A good payment proccessing and merchant account?

Volusion should take care of everything for you. They even give you a personal customer representative that is available nearly anytime. They're pricey but I think they're worth it.

if it is services or e-products have you tried Plimus??

mauri

I sell digital products. services. seo, ect and i need something good. 2checkout seemed perfect till i saw the scam reviews and stuff.

If you're selling physical goods then getting a real merchant account will be easier than if you are selling digital goods or subscriptions.

if you are wanting to accept credit cards online, you are going to need:
1) a shopping cart
2)a merchant account
3)a payment gateway

3 is where is gets tricky. most shopping carts will use authorize.net, however if you can find a merchant account provider that has a payment gateway that integrates directly into a shopping cart, you'll pay the least amount in fees if you are processing over $2k a month (my rule of thumb).

options are,
1)paypal: high fees, easy setup
2)Shoppify, 2shoppingcart etc: high transaction fees, easy setup, high monthly fees
3)various online shopping cart + auth.net +merchant account combos: not as high fees, more difficult to setup, monthly fees.
4)shopping cart + payment processor gateway (skip auth.net), lowest fees, most difficult to setup unless the processor has a pre-built plugin for your cart, lowest monthly fees.

the major carts (oscommerce, zencart etc) should have that plugin available however hardly anyone is aware of it.

as for fees, you'll see "qualified" rates such as 2.04%, 1.79% etc. waste of time to figure those out.

You want interchange plus, preferable around .39%, no setup fee and around $10/month statement fee.

other things to look for are next day funding.

shoot me a pm if you need more help.

edit: sorry didnt see that last post re: digital goods and seo services.

a virtual terminal maybe your best bet and those come with a payment gateway (because that's really what a payment gateway is; a virtual terminal). that way you can setup recurring billing and take credit/debit over the phone.

Sparklers, I currently cannot pm but can I have more info? Is there an alternative to 2checkout? Something along time lines, I am still a small company and don't want to pay fees like that.

there are thousands of options for shopping carts. what functionality are you looking for?

Doesn't shopping carts need a payment gateway or merchant account as well?