Choosing a Service

Choosing a Merchant Account can be a difficult decision. Your choice will affect not only affect your net income, but will also affect the experience your valuable customers have during the order process. Here are some thoughts to consider:

• PayPal, as opposed to credit card based merchant accounts, is very easy to configure and setup initially, but as such, is limited in advanced features.
  
  
• Credit card based merchant accounts usually assess an initial activation fee, but have lower per-transaction fees. This makes these merchant accounts ideal for medium to high volume merchants.
  
  
• PayPal holds funds following transactions, unlike merchant accounts, which wire the funds directly to the merchant’s FDIC insured bank account. Since PayPal is not a bank, its users are not subject to the strict legal protections that apply to all bank accounts in the United States. Consequently, PayPal has often frozen funds of users who it suspects have received fraudulent transactions or have violated their terms of service.
  
  
• Both PayPal and credit card based merchant accounts offer a wide variety of different payment methods for buyers.
  
  
• Credit card based merchant accounts tend to favor the merchant in transaction disputes, while PayPal tends to favor the buyer.
  
  

For more information about PayPal vs. a Credit Card based merchant account like Cardservice International, see out article: Choosing a payment solution.

Or if you are ready, pick one now:

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