International Payment Gateways
Web Commerce Today, Issue 48, July 15, 2001
These payment gateways are open for use by merchants from other countries. Many of them offer ways for merchants to sell in US dollars or Euros or any other currency.
| PayPal United States International |
PayPalP.O. Box 45950 Immensely popular auction payment system now includes a basic shopping cart. No merchant account required. 2.9% plus 30 cent transaction fee for new and low volume merchants ("standard rate"), 2.2% plus 30 cents for established, high volume sellers ("merchant rate"). Takes 3 to 4 days for moneys to be deposited in merchant's account. Merchants in 8 countries can have money moved electronically from their PayPal account to a local bank account, for a small fee (outside the US). Countries with local bank connection include: Australia, Canada, France, Germany, Netherlands, New Zealand, UK, and US. However, residents of about 50 countries can be PayPal members. Growing in popularity among online merchants, since it allows payments via credit card without the necessity of setting up a merchant account. See my review: http://www.wilsonweb.com/reviews/paypal.htm |
User Feedback:PayPal the best I have found! -- Joe Santisi US |
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| I have been using PayPal's web accept to accept credit card payments from the US and 22 countries --but the service was limited to one-product single purchases. Last month, PayPal launched a free shopping cart that you copy/paste html onto your web site to work. It works so well, I have just cancelled my merchant credit card account and am saving a ton in fees. I also benefit from the PayPal shops promoting my web site that I mentioned in my email to you about pay-per-click search engines. -- Harry McGrath US | |
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We're using PayPal for our vacation rental business. I'm not
the system operator, our bookkeeper is, but as far as I know, it's working
fine. We got into PayPal during the first few months of its development (it
started out as an ebay payment facilitator), and had a personal account with
no commercial fees whatsoever. Once they got organized for business, they
began charging 1.9% -- but that's a lot less than credit cards cost, and it
solves our problem of not being able to offer them. I think I remember there
being a problem last year with the maximum ticket PayPal would accept, but
that may have changed lately. Our average rental is about $1,000/wk but some go as high as $4500/wk; we take payment in two halves. The vacation rental industry is huge, and very few of those businesses that rent property owned by others are offering payment by credit card, but I believe the demand is increasing among vacationers, or at least that the market could be larger if families could put their vacation on a card. My company is 25 years old, and I've had no trouble getting people to pay by check. We insist on enough leadtime for checks to clear before arrival. I run an "exit survey" and added the card question last year -- quite a few said they'd pay by card if given the opportunity, but nowhere near a majority. We'll see in a few weeks what this year's survey brings. There are other industries that work on commission that could otherwise be using credit cards. There are Big Bucks out there for whoever can solve this problem! -- Margaret Krainin US |
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| PayPal continues to be an efficient, service oriented, apparently safe option for me. They add services constantly and I can now use them for other parts of my business as well as eBay. I believe that they have started to charge for bigger transactions but I am too small to have to worry about this. They are perfect for a small to medium sized business or for free lancers. -- Carol Dennis US | |
| I have been using two payment gateways and they seem to work well and securely. One is PayPal and although it is not a pure gateway it very much acts like one. eBay users like it very much because before using it you have to be "verified". This is a simple step process that you do once and after the verification you are set to pay immediately using either VISA, MC, or electronic transfers from your own bank account. The money is immediately credited to the seller. The system works for anyone who has an e-mail address and is currently implemented for some 10 countries. eBay has its own system called PAYBILL but I have not used it yet. I find it interesting that VISA, MC or AE have not setup their own system. PayPal essentially handles their transactions ( they do not accept American Express). The drawback is that recipients of payments are faced with a double fee PAYPAL's and the Credit card's ). Best regards, E.L.Rodriguez -- Eduardo L. Rodriguez SCORE US | |
| I read with great interest your article on PayPal precisely because I'm considering REMOVING their service. I sell a digital product, an e-book. As you pointed out, the HTML in PayPal's shopping cart asks you to specify a return URL after the transaction is complete. For me, that return URL is the download page for my e-book. The problem is that the shopping cart fields --- INCLUDING that return URL --- appear in the browser's address bar BEFORE the transaction is complete. Anyone can merely copy the download page URL and get to my ebook without paying at all. I've seen discussions of this in various Internet forums, with most people feeling the risk isn't worth it. -- Diana Ratliff US | |
| ClickBank United States International |
Keynetics Inc.915 W. Jefferson St. System is designed for soft goods and services. $49.95 activation charge, plus $1 and 7% for transactions. No monthly fees. System includes an affiliate program, though affiliates are "owned" by ClickBank, not the merchant. Often used for e-books and information products. US merchants only. Those shipping physical goods pay $99.95 activation fee, $49.95 monthly fee, 25 cents per transaction, and 2.25% on sales over $1000 each month. |
| CCNow United States International |
CCNow, Inc.706 Philadelphia Pike, Suite 5-B Not really a payment gateway, though their service includes one. Does not require a merchant account. Merchants pay no set-up fees, but 9% commission on each sale, 8% during November and December. Foreign merchants are welcome. Depending upon the merchant, payments are made about 15 to 30 days after the sale. If a reserve portion is withheld, it is paid about 2 - 2.5 months after the sale. In this system, CCNow is the actual "seller," and the merchant "fulfills" the order for CCNow. Since CCNow is in Delaware, a no sales tax state, no sales taxes are due. Only hard goods may be sold, no soft goods, entertainment, info products, or services. But only high mark-up items will be competitive with the 8% to 9% fee charged by CCNow. Many merchants really like this approach, however. The system includes a rudimentary shopping cart. See my review: http://www.wilsonweb.com/reviews/ccnow.htm |
User Feedback:I have had good success with CCNOW. As a very small company I could not afford the costs of a full service bank backed credit card processor. CCNOW.com charges 9% but there are zero other upfront or back end costs. They make it easy and simple to sell on line. -- Alan A Trombetta US |
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| I am outside India. I market a breakthrough diabetes diet supplement and the gateway I use and have found reliable is CCNow.com. Of course, you have already done a review for it. Moreover, CCNow is very easy, convenient and best for people outside US. Everything is automated. But yes some features that I would recommend CCNow to add is : - Repeat customers have to re-enter details. - They are a bit lazy on answering customer queries Other than this, they are very secure and reliable. Regards Puneet -- Puneet Gourdin.com IN | |
| We have had sucess with http://www.ccnow.com/, of which I was informed via this site. Pay Pal still does not accept memberships from our country, El Salvador. It is very difficult to initate E Commerce from a Base outside North America, if you have any more info. would be appreciated. -- Donald T. Lee www.elsalbiztours.com SV | |
| CC Now, whenever the Webmaster sets it up on the page!!! We are located in El Salvador. Pay Pal will not come into El Salvador. We are on USD Economy here. No exchange fees. -- Donald Tabbut | |
| WorldPay United Kingdom International |
WorldPay plcWorldPay Centre, The Science Park Milton Road Probably provides greater support for international merchants than any other company. Offices in the UK, US, and Singapore. Can handle inquires in the following languages: English, Cantonese, Dutch, French, German, Hokkien, Mandarin, Norwegian, Portuguese, Spanish, Swedish, Bahasa Malay, Cantonese, Hokkien, Japanese, Mandarin, and Teochew. Handles payments in 120+ currencies, and settlement in 14 currencies, with no currency conversion charges for customer or merchant. Remittances may be paid to merchants in UK Pound Sterling, US Dollars, Euro, Canadian Dollars, Japanese Yen, Swiss Francs, Danish Kroner, Swedish Kroner, Norwegian Kroner, Australian Dollars, Hong Kong Dollars, New Zealand Dollars, Singapore Dollar, and South African Rand. A merchant account is not required in this system. But instead of immediate payment to a merchant's bank, typically delays payment for several weeks to protect it, compared to traditional merchant accounts typically settle overnight. Costs depend upon country and set-up. Merchants with UK merchant accounts, for example, pay 1.95%, plus a set-fee (50 GPB) and an annual fee (145 GBP), plus a bit more for some UK-issued cards (and perhaps other fees to their bank). Merchants without a merchant account pay the same set-up and annual fees, but pay 4.5%. US merchants without a merchant account (WorldDirect merchants) are charged $399 set-up, $25 per month, plus 2.59% on US and CA credit cards, 4.5% on other currencies, plus a 35 cent transaction charge. "Bank Acquired" merchants (I.e. with merchant accounts) pay the same set-up, monthly fees, and transaction fees, but are not charged 4.5% on other currencies. |
User Feedback:Seems to work well, allows you to save the credit card number on their server for future re-use. -- John Herlihy M29 Technology and Design US |
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| We coupled ShopFactory to the Worldpay payment gateway system from a firm in Cambridge (England), www.worldpay.com. It takes all major cards, allows me to accept payment in 5 currencies of my choice (extra requires payment, though I managed to sneak in Canadian and Australian $s as free extras because euros haven't yet caught on and Swiss francs don't have the prestige for online payers they have for money launderers). There's an annual subscription charge to join (£125) and 4.5% transaction charge on credit cards, but only 50p for debit cards. Either way, for the transactions amounts I handle, that works out pretty good value. The system is efficient, reliable and gives me all the information I need. Seems to favour smalltime traders like myself who just want it all to work, with no hassle. No complaints from my customers, and no re-charges (yet!). -- John Kerr UK | |
| I use Worldpay (uk.worldpay.com), so the credit card transaction is entirely handled on their server. They do sell a shopping cart, but with basic (very basic!) knowledge of html forms I could point my own single order form at their server. Features, reporting, statements, ability to customise payment pages, etc, all 10/10. Speed of customer service 9/10, efficiency (as in not getting muddled between departments) maybe 7/10. It's quite pricey, but still probably the cheapest option outside the US: the free-except-commission services don't extend out here! -- Hilary Barrett www.onlineClarity.co.uk UK | |
| I've recently set up an internet shop at www.outofthehat.co.uk, and before I started knew little about what was involved in the integration. I joined WorldPay (I'd heard good reviews and the payment structure seemed reasonable) and was very impressed with the quality of documentation and service. For anyone with a bit of common sense it was pretty straightforward to integrate it, and indeed customise the secure pages (so much so that I'm amazed more people don't). I have been evaluating a new shop-building package, and they were very fast to set me up a new installation so that I could test the integration properly. The integration on that one was absolutely straightforward, and they gave me full instructions on how to do it. Their reporting is pretty good too. They pay 4 weeks in arrears, which may or may not be a long time. As a general point - don't believe you can get approved in 2 days - it'll take longer than that to get your bank references sorted out! Not WorldPay's problem though. I would recommend WorldPay, if anyone needed a new provider. -- Neil Rabbitts (Out of the Hat Ltd) Out of the Hat Ltd UK | |
| I use Worldpay.co.uk and have experience of Shop Assistant. It took a little while to get set up but once installed seems to work well. We use it for a direct download for a weight loss programme www.loseweightnaturally.co.uk Although we have only generated a few transactions it all works well, especially as it is a fixed price small payment (£8.95). -- John Moyce Website Marketing UK UK | |
| A client of mine uses www.worldpay.com. They're located on the beautiful island of Guernsey, one of the Channel Islands off the coast of Great Britain. They have had just one small problem with them over the last two years during a change in price on the secure page but that's it. I've had cause to contact them by telephone once or twice. They answer the phone very quickly and have always been very helpful. -- IanCPritchard1@aol.com UK | |
| LinkPoint United States International |
CardService InternationalPO Box 2048 Service is owned by CardService International, the largest organization that helps merchants (for a fee and sometimes an unbreakable 3-year lease) obtain a merchant account. LinkPoint comes as an HTML payment gateway as well as a sophisticated API is especially suited to selling digital products, and then allowing the purchaser to download them via ESD after the transaction. http://www.cardservice.com/inetserv/lpapi.htm Typically, LinkPoint is packaged with a merchant account and a shopping cart, so fees are not paid separately. |
User Feedback:Horrible documentation. Terrible documentation. Support sends you to the horrible documentation. Eventually we got this working. I don't work for the company that used this service anymore so I can't say if they were dependable but I would never, ever recommend them. -- Peter J. Schoenster |
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| CyberSource United States International |
CyberSource Corp.1295 Charleston Rd. Company got its start providing electronic download services for software companies. When they hit so much online fraud, they developed the first effective online fraud protection system, which is now their only business. Priced for businesses that do about $5,000 in sales per month and up. International connections and payment gateway URLs in different countries. Sales offices in Tokyo and the UK. I recommend this company, which has an excellent reputation in the industry. PayLinx product for enterprise level companies. |
User Feedback:We use Cybersource. For a gateway, they are ok. I personally do not working with gateways but there aren't too many non gateway programs out there. We haven't had the best experience with Cybersource processor Paymentech. Our Rep at Paymentech didn't return our calls and didn't give us proper information. They also lose records and send them to 6 months later and expect you to pay. We asked for a new rep and that still hasn't been granted. Cybersource, who we don't have much contact with, has seemed to be on up things. At least on the merchant service end. They are prompt and make sure you get the answers you need. I hope this is what you wanted and can help you. -- Loeffler,Lacy Junum, Inc. |
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| I installed this on a system. The support was excellent. Docs were excellent but the site never went live. But I was really impressed with their documentation and their reaction when we had problems ... I was installing a linux system and they had to give me a patch, they were very responsive. -- Peter J. Schoenster US | |
| Authorize.net United States International |
Authorize.net3311 N. University Ave. Sold mainly through resellers, or packaged with merchant accounts and shopping cart combinations. Probably the most-supported payment gateway by shopping cart systems of any other. Since it is the payment gateway used by PlanetPayment.com which facilitates international merchants, it should be examined carefully by those who want to do transactions in other currencies than their own. The order form can be hosted on Authorize.net's site (WebLink) or on the merchant's site (DirectResponse). Authorize.net is sold nearly exclusively through third party resellers -- ISOs or banks -- and often bundled with a merchant account (and sometimes a shopping cart). But Authorize.net will sell directly to merchants who have had a bad experience with ISOs. The smallest merchants can use Authorize.net's Express Merchant account that has no set-up fees, but has a monthly cap of $1000 and a slightly higher discount rate and transaction rate. When they start hitting the cap, they can migrate up to a regular merchant account. |
User Feedback:I have just completed the setup process with authorize.net Their interface seems to be really smooth. The page that my shopping cart "docks" to at authorize.net is a secure page, so I do not have to provide SSL on my site (which is an extra charge with my host). I am using Dansie shopping cart by the way, which I found to be extremely easy for a relative amateur at CGI to set up. (The Dansie cart is a program that the user purchases and installs on their server) Dansie must have the best written instruction manual I have seen. A really nice feature of the Authorize.net service is that I can go to the merchant interface and key in any transaction using the virtual terminal instead of using my old VeriFone terminal when the card is not present. The rates for authorize.net are much less if you sign up through a merchant account that is already an authorize.net reseller instead of trying to sign up directly with Authorize.net. Just as an aside on the merchant account, I have also found that the terms and rates are much better on the merchant account if you can sign up through an organization such as a retailers group instead of signing up on the net. I am a member of the SD Retailers Association and that has really helped. I would assume that most states have such a group, but I am not sure how easy it is for a small business to join. -- Probably easier if you do not approach them with the on-line being your sole business, but a sideline to a physical presence of some kind. -- Steve Arne Arne Electro-Tech US |
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| This is a two-fold answer. I am currently using Authorize.net as my payment gateway. I have had no problems with AuthorizeNet, up until now. All of a sudden, they quit accepting credit cards. When I contacted them, they said the "vital information" that was provided by my Merchant Account Provider when set up is now in error, and must be corrected by the provider. Therein lies the problem. I mistakenly chose a merchant account provider based on price. After I had signed up with, you're going to lash me for this one, LeaseComm for a 36 month, non-cancellable lease with Global Card Services (you see, I read your article cautioning about LeaseComm two weeks after I had signed up!), I now find that Global Card Services has apparently ceased to exist. I have contacted AuthorizeNet with this information - but have received no response. My question is this - have you any experience with this situation? My current web site will not accept credit cards, the company that needs to fix it is, apparently, no longer in business, this situation is obviously costing me sales every day and I don't know what to do to fix it! Now add the fact that LeaseComm probably doesn't give a diddly and I wind up with an unusable order page, that I still have a monthly payment on! -- Dave Harris CarBuyingAdvice.com US | |
| The cart is maintained by a company called Americart. http://www.cartserver.com/americart/ I really like the cart and service as they interface with Authorizenet. We have set up thru the cart to only verify the cards. Then once a day we look at the orders we have received. If something looks like it is fraud or questionable we do not capture it. Instead we write to the customer and ask for clarification, or possibly a fax copy of their credit card, etc. There have been times when a customer will order express shipment which we immediately question as it is out of the ordinary. If we did real time transaction processing we would most certainly miss these things and it could cause a lot of problems. -- Allen Weber US | |
| The best and only gateway we have found through our lengthy research on global e-commerce is Authorizenet.com. -- James Komosinski PracticePaySolutions.com US | |
| I use Authorize.net and I guess the gateway is built into the web design software I use - EZnet Tools. As I hear about the problems with others, I really appreciate the simplicity and reliablity. I can hear lots of cries about open vs. closed software but sometimes it is much better to just stick with something that works. -- Lee LeFaivre Worldwide Gemstones US | |
| I'm a programmer and I've used Authorize.net. This was the kind of system where I pass values to their system and then they return data to my script .... it worked as they said. I never tested this in real life as other programmers finished this job, but I set up authorize.net and it was quite easy. -- Peter J. Schoenster US | |
| The payment gateway company I use Authorize.net. I have had no problems with either in the 2+ years I have used them. The biggest hurdle I face is the monthly reconciling of: 1. Orders 2. Gateway charges and fees 3. Deposits to my checking account. 4. Downloading my complete transaction file in one download from Authorize.net (in all fairness, they are working on a solution to this problem. I am looking into changing gateways as my bank, Wells Fargo, is now working with Authorize.net as reseller and gateway. If I can get one statement, I will probably switch. -- Mark Ostrov The Education Press US | |
| PlanetPayment United States International |
Planet Group Inc.950 Third Avenue, 18th Floor While PlanetPayment is not a stand-alone payment gateway (it uses Authorize.net), it bundles a payment gateway in its services. It allows non-US merchants to sell products in US dollars, as well as 140 other currencies, without the need to obtain a merchant credit card account in the US. Among its strategic partners are American Express, Authorize.net, NatWest Bank, Bank of Bermuda, Cable & Wireless, Shopfactory.com and DXSTORM.COM. Offices in Canada, the UK, and Singapore, and operating subsidiaries in Bermuda, France, Ireland, the British Virgin Islands, and the Isle of Man. Transfers money into the merchant's bank account twice monthly. Prices are not posted on the website, and may vary from one country to another. Costs last time I checked were US $595 setup fee, part of which is non-refundable if the merchant's application is rejected. In addition, there is a monthly fee of $25, plus a discount rate of 3.95% (compare to a typical 2.5% US discount rate) and 50 cents per transaction (compared to a typical 30 cents for US merchant accounts). |
| I.N.G Netherlands International |
Internet Networking GroupTinstraat 7 Set-up fees € 38.11, monthly service charge € 21.34, transaction fee € 0.20. Also lists credit card discount rates available from 1.2% to 2.95% depending upon the card and amount charged. Accepts 12 currencies from those in the EU: EURO. ESP, NLG, BEF, IEP, ATS, FRF, ITL, PTS, DEM, LUE, FIM, plus another 12: USD, HKD, GBP, CAD, AUD, DKK, JPY, NOK, SGD, SEK, CHF, TWD. Languages supported: German, English, Spanish, French, Italian, Japanese, Dutch, and Portuguese. |
| Beanstream Canada International |
Beanstream Internet Commerce, Inc.210-852 Fort Street B2C payment gateway, provides point and incentive programs to produce loyalty, and a wallet for micropayments. B2B payment by credit card, electronic funds transfer, and ACH. Supports multiple currencies and languages, and available to international merchants. Canadian rates for payment gateway only CAN $195-$595 setup fee, $30-$65 monthly, plus 15-50 cents transaction fee. For those needing merchant ID, discount rate ranges from 3.5% to 4.5%. |
User Feedback:I have recently hooked my system up to a company called Beanstream, in Victoria, British Columbia.Although I have yet to prove it up, I like their concept very much. They are the merchant. They provide the merchant number and information for the CC companies. I am a client of Beanstream, They collect the money and forward it to me every 1-2 weeks. They keep their charge of about .25 Cdn in addition to a very small start up fee (couple hundred dollars). It's easy and cheap. I haven't launched yet but I expect it to work real well. I hope they stay alive... |
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| Telecharge Canada Canada International |
TeleCharge Canada1020 Denison St. Unit 113 Offers services to US, Canadian, and international merchants. US and Canadian enrollment fee $250, monthly access $25, processing 5.0%, transaction fee $1.00. International merchants pay $399 enrollment fee. Includes a merchant account. |
User Feedback:We use Telecharge Canada for Visa & Mastercard; they don't have other cards. They charge 4% each + 1.00$ per transaction and between 10.00$ to 25.00$ monthly fees. They are slow to pay back (approx. 3 weeks) instead of 2 days for most of payment gateways. Our satisfaction rate on a scale of 1 to 10, is 6/10 which is fair. They could do better, I'm sure. -- Helene M. Fischer |
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| Speedpay United States International |
E Commerce Group7 Dey Street Electronic bill payment system used by financial services companies, retailers, utilities, and other creditor organizations. Used by large companies. |
| WebCollect Netherlands International |
GlobalCollectP.O. Box 2001 Allows customers in 40 countries to pay for products in the currency they choose, the way they choose -- by credit card, check or bank transfer. Prices are not online. |
User Feedback:Global Collect of Holland has a pretty good system for credit card collections and as far as I can see pretty good rates and low set up charges. -- James Hay |
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| MultiCards.com Netherlands International |
De Postel BVMulticards division Fransebaan 56 Java-based shopping cart available. Compatible with other carts such as Jshop Pro and Shopfactory. Provides foreign language/currency order pages with real-time currency conversion. Does not require a merchant account. Multicards, in effect, becomes the retailer for products the merchant ships. Commission paid between 6% and 12%, depending upon the "partner fee" paid annually, between USD 15 and USD 700. Real-time acceptance in US dollars or other currency incurs a USD 0.90 transaction fee. |
User Feedback:A short note to let you know that my firm uses the payment gateway services of www.multicards.com. -- Joe Parker Venture i2i | |
| Kagi United States International |
Kagi1442-A Walnut Street #392 Specializes in handling payment processing for software. No sign-up or monthly fee, or merchant account required. Fees on transactions only as follows: (1) 6.5% up to $3 for operational costs, plus (2) 3.5% plus 50 cents transaction fees. No adult products. Available to vendors outside the US. Includes a register program, though can accommodate the vendor's program for an additional 1% fee. Includes digital delivery mechanism. Payments to merchants are made on the 15th of the month for sales the previous month. Paid by mailed check or wired in US funds only. |
User Feedback:We use Kagi, www.kagi.com and we have recently signed up with Paypal. Kagi is based in the US and we're outside (Belgium) but when we signed with them (in 1997-1998, I don't remember exactly), they were one of the few accepting non-US vendors. Also they have never treated us as second-tier customers as other US payment processor do. We don't need a merchant account but they charge a slightly higher percentage then processors but, for the volume we have, we think that they taking care of everything is worth the small percentage. Also (although we didn't try) we fear it might be hard for us to get a merchant account that would us charge our customers in dollars. Their software is old which has advantages and disadvantages. On the plus side, it's very well tested and well though-of. I anticipates most of the mistakes a shopper can make. Some of the newer systems are sexier but, in my view, it does not beat years of experience processing payments on the Internet. We're talking of small things that makes life easier for customers such as accepting space in a credit card number. However some vendors are scared by what they perceive as a complex system. Kagi originally targeted shareware vendors who, being developers, are not afraid to write a line of code or two. Their system can be dramatically inflexible unless one is tweak a line of code or there. Also, because it's older, it has evolved into a patchwork of solutions. For example, I have (and need!) 3 different logins on their system. This complexity is totally hidden for the customer. In fact, as I already explained, I think they offer top service to the customer. I prefer to make it easy for customers than us but some vendors might look for a more accessible service.Still they are redeveloping their system and, as they gradually bring the new solution online, you can achieve more with less coding. And they plan to implement a single login too. They only accept payments in US dollars (in some cases, they display the price in another currency but the customer is always charged in dollars). They have announced the ability to charge customers in Euros soon (meaning, not only displaying the price in Euros but actually charging the card that exact amount in Euros). They offer some flexibility for international payment. For example, they can wait until one has reached a certain threshold to cut a check. Also they can issue international wire transfer. The company has a US bank account so it's not a problem for us but international vendors on the mailing list have complained. More recently we signed with Paypal as an international vendor. We haven't used it much yet but I would say the process was made much easier thanks to our US bank account. At this point in time, Paypal appears to us as a very US-centric solution and their so-called international accounts are second-rate. BTW you might wonder why we stick with US payment processors. We investigated going with a European one but then we realized that we needed the ability to charge cards in US dollars anyway but most of our customers are in the US. We considered a dual solution but Kagi announced its forthcoming Euros solution shortly thereafter so we decided to wait. -- Benoît Marchal, XML/edi Group | |
