We're looking to add credit card payments to our system (and it needs to be fairly custom, handling variable "per use" charges each month). We would like the integration to be simple and secure (i.e. no storing of credit card data on our system).
What, in your opinion, is the best credit card processing provider to offer this kind of security and flexibility. List only one provider per answer to let the voting system do it's thing.
Some of my best experiences have been with Authorize.net as far as ease of implementation.
Before anyone even says "PayPal", let me just warn you: PayPal is terrible, they require credit checks on all of your customers if your total monthly sales exceeds $50K/mo, and they will terminate your account if they find your product objectionable (i.e. any sort of adult entertainment). PayPal is good for person <-> person transactions, but NOT business <-> business transactions.
First Data PayPoint will handle large transactions (in excess if $12 million for a single payment). My company has been using their API without any problem for a year now, and we've been happy with the service.
Cybersource is good. I deal with PayPal as little as possible, as a general rule of thumb.
i've used both paypal (for years) and google checkout (since it came out) on the same site and both have been relatively great. the only part that sucks is when there are chargebacks and they "try to do whatever they can to protect you" but then they don't, even when the evidence is insurmountable in your favor. However, I think this is the case with all credit card processors.
Google Checkout has worked well for my use-case, which is low-volume+high-dollar-value.
I've used cybersource on a million plus customer website. I was happy with it for the following reasons:
All in all, a good service.
I've been looking into Sage Pay recently which seems promising and well supported, it's a rebrand of Protx, looks like it's only available in the UK however.
Have you checked out Fastspring? They have one plan that allows you to process tranactions at 8.9%, great for low value items. Like Google Checkout, the system is geared towards payments for products rather than services, so it may not be the best fit...
FYI, I did some comparisons a while back to figure out which providers gave the best value (ie took the smallest percentage of a sale) at various item costs.
*getting a Paypal micropayments accounts is a little bit voodoo (still trying for mine), but worth it if your products are mostly below the £9.47 threshold.
I have used Verisign Payflow Pro to process millions of dollars in transactions. Payflow Pro is now branded as part of PayPal but it is really just branding. A Payflow Pro transaction goes directly into a configured internet merchant bank account. There is no period where PayPal is holding on to the money.
Payflow Pro provides a server component that you can hook into with just about any language. The biggest annoyance is that on Windows, you have to install a COM server and set an environmental variable with the path to a cryptographic key file. .NET code has to use COM/Interop to invoke Payflow Pro. It breaks the xcopy deployment model and also means that your hosting options are limited to places that offer Payflow Prop pre-installed or where you can install COM servers and diddle environmental variables.
Other than the deployment pain, I have no complaints. It works very well and there is a nice back-end web-based managment interface for the accounting people to use.
My last firm used PaymenTech (now owned by Chase), they're good if you need real-time auth for really large volumes and highly reliable svc.
If your bank has a payment processing service API, use it! It will be the one that will charge you the less fees.
2checkout has been quite good to us in the past :)
Good easy API, no problem with integration, the fees were manageable.
I have been using CyberSource for 7 years and have processed over $750M.
They provide an excellent service:
Payvision : I am not saying Payvision is The Best becasuse not seen any drawback till now
Payvision is the more flexible I know, they integrate with many different payment systems making it very transparent for you.
I integrated payvision payment gateway in our web site successfully,so I will prefer PayVision
You can get sample code from following link
http://code.google.com/p/payvision-java-code-poc/source/checkout
This is sample Java code related Payvision's basic operation like Authorize , Capture , Payment Operation. also you will get "Document" folder also in that necessary payvision related pdf is added as well as all operation's REQUEST RESPONSE is in PayVision_Test_Operations.txt file
if any one have problem related to this can contact with this id