golly, that mytipper site is frustating! They don’t even say what their damn software DOES?!
Anyway, I run an internet billing company, so I can offer you some things to think about. What you want is pretty basic, and can be acheived by a number of online services.
The most important thing to consider is how you think your customers are going to be be able to pay for this stuff. Credit card is the most common on the internet, but also the most hassle (and expense) to set up.
PayPal is easy for a lot of people, but most people will not bother getting a PP account to buy one thing. Those people that DO have PP accounts find them extremely useful, however, and the whole PP system is a boon for small merchants, cos they have to do very little to get it integrated to their site (PP can administer passwords and stuff).
PayPal do have a strict no-adult-content rule, again, not sure if that applies to you.
A lot of other places will have volume restrictions - minimum transaction value, and minimum number of transactions per period. I have no idea what you’re selling, so I don’t know if this is relevant. We, for example, have a minimum of $5US per item, and 40 sales per week (less than this volume, and it’s not worth the hassle to us).
Apart from the fact we’re cheap and offer a high quality service, there’s not a lot to separate our system from the several other big players. They will want a cut of each transaction (between 10% and 30% depending on volume and som other things), and they pay you out weekly by cheque or EFT. So, they process your customer’s credit cards, take the money themselves (their company name appears on your customers CC statement), take their cut, and send you the difference.
Most of them also have advanced affiliate management systems - this is where you get OTHER people to promote your site, and each time a sale is made, the affiliate gets a cut of it. Depending on your marketing strategy, this might be useful to you (you set the cut percentage!).
Pretty much the entire adult website industry (online billing was spearheaded by this industry, and it’s still the driving force for most ecommerce) relies on creditcard transactions, it’s tried and tested, quite reliable.
I am not sure what the policy is on plugging commercial services here (Presumably I am allowed to mention something as ubiqutous as PayPal?), but you’re welcome to send me a message off-list and I can tell you about our services, and suggest some others.
Other options include:
(1) “credits”, aka “micropayments” (one system was called “beanz”, not sure if they are still around) where you buy credits with cash at a real shop, and use them to buy stuff online. Ideal for transactions under $3.
(2) Phone billing, where you hook up with a company that bills your customers phone bill for the service you provide (cell or landline). Both the middle-man company, and the phone provider take hefty cuts (totalling 60% at least, often more), so you have to charge a fair bit to make any money. But pretty much anyone on the internet is going to have a phone bill, so there’s a big market for it. This service is available in most develop countries including the US.
(3) Online cheques. Where your customers enter their bank account info, and authorise money be taken out of their bank account for your service. There’s a raft of fraud issues here, but in general, it does work if you’re supplying access at low per-unit cost to you (so, you’d not want to be shipping iPod’s to someone who paid by online check, cos 40% of them bounce), but if all they are doing is downloading a Gb of video, that’s only 28 cents for you, so no big deal.
Hope this helps.
abby