I’m volunteering temporarily for a London-based political party. We’re interested in selling our publications (books, DVDs, CDs, pamphlets, magazine subscriptions) online and accepting online payments. Can someone let me know what options we have for online payment processing solutions? Here are our basic requirements:
[li]I’m technically knowledgeable, but almost nobody else here is. So whatever system we set up needs to be fairly self-sufficient after the initial installation.[/li][li]Our web host runs Apache 2.0 on GNU/Linux. We have shell access, so I can install software on the server if necessary.[/li][li]Most transactions will come from within the UK, and thus be in GBP. However, we do get a significant minority of orders from Europe, Canada, and the United States, so ability to accept EUR, CAD, and USD is a requirement.[/li][li]We anticipate fairly small transactions (£1 to £50) in the volume of perhaps £100 to £500 per month, at least at first.[/li][li]We’d like to make it as easy as possible for customers to pay in the method of their choice—Visa, MasterCard, American Express, Maestro, Switch, Interac, wire transfer, etc.[/li][li]We don’t have our own credit card merchant account and would rather not obtain one if it’s going to be a lot of fuss.[/li][li]We don’t do online auctions so stuff like eBay integration isn’t an issue.[/li][li]Needless to say, the lower the transaction fees, the better.[/li][/ul]
The only third-party payment processing packages I’ve come across are PayPal and Click&Buy.
I’ve never used PayPal before. According to their website, they charge 3.4% plus £0.20 per transaction, support all kinds of payment methods, and they seem to be very popular. However, I’ve heard a lot of bad things about them, and I have no idea how easy it is to integrate PayPal payment into a website.
I’ve used Click&Buy to pay for some things as a customer (such as my news.individual.net account) and it was pretty simple. However, their website for merchants is absolutely atrocious (poor design, darn near impossible to find information), and they refuse to say how much it costs to open an account. (Their FAQ is cagey about this issue; it basically says “call us and we’ll talk about the cost”.)
Can anyone comment on using PayPal or Click&Buy as a merchant? Are there any other services that anyone here has experience with?