Which payment provider/gateway?

When you have made the decision to integrate a shopping cart into your website, the next choice you have to make is choosing a payment provider who will look after credit card transactions.

Below is a list of the 4 most popular options available in Ireland and the various costs involved *

PayPal: Website payment Merchant account required: No Setup: FREE Monthly fee: No Transaction charge: 1.9% - 3.4% + €0.35 EUR

Pricing information:

• https://www.paypal.com/ie/cgi-bin/webscr?cmd=_profile-comparison
• https://www.paypal.com/ie/cgi-bin/webscr?cmd=_wp-standard-pricing-outside

Website: www.paypal.com

Sage Pay Go Merchant account required: Yes Setup: FREE Monthly fee: €25 (for up to 1000 transactions) Transaction charge: €0.15 (More than 1000 transactions per quarter)

Pricing information:

• http://www.sagepay.com/ireland/online-payments

Website: www.sagepay.com

Note: Can be integrated with Sage or TAS software

Worldpay: Business Gateway Plus Merchant account required: Yes Setup: €145 Monthly fee: €20 per month Transaction charge: 3.95% on the value of all transactions e.g. credit and charge cards.

Pricing information:

• http://www.worldpay.com/products/index.php?page=ecom&sub=businessplus&c=IE

Website: www.worldpay.com

Realex: SME Starter Package Merchant account required: Yes Setup: FREE Monthly fee: €29 Transaction charge: 350 per month (included in monthly fee) - Excess transaction: 12c

Pricing information:

• http://www.realexpayments.com/ie/business-solutions

Website: www.realexpayments.com/ie

Further reading:

• www.davidbehan.com
• www.webpayments.ie

* Prices quoted are correct at time of publish: 19th July 2011

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