Western European Payment Gateways
Web Commerce Today, Issue 48, July 15, 2001
| JustGiving.com United Kingdom Western Europe |
Justgiving11 New Burlington Place Provides private sites for charities to receive donations, as well as representation on the justgiving.com site where visitors can search for charities. Provides audit trails and administration costs required for taxes to be reclaimed. Meets Inland Revenue's requirements. No set-up or membership fees. 5% fee on donations made on the Justgiving site, 4% on donations through the "White Label" button on the charity's own website. Plus credit card transaction fee of only 1.5% from NatWest Streamline. Chart shows how VAT reclamation boosts actual amount of gift to charity by 12% to 20%. |
| Pago PAY Germany Western Europe |
Pago eTransaction Services GmbHKaltenbornweg 1-3 Allows payment by credit card, electronic funds transfer, and Paybox. |
| PayControl Switzerland Western Europe |
Netcetera AGZypressenstrasse 71 SET-compliant payment gateway. Website in German |
| Bibit Netherlands Western Europe |
Bibit Internet PaymentsKosterijland 20 Enterprise-level Internet payment service provider for European companies. No set-up fees, monthly subscription fee of EUR 139 or EUR 189 (depending on service selected), a EUR 0.50 transaction fee for the first 1000 transactions per month, and EUR 0.35 for transactions 1001 and up. This is in addition to bank charges. Examples available of connections from within ASP (VBScript and Jscript), Perl, Java, Microsoft Site Server, IBM Net. Commerce and Intershop. Offers Select service that uses sophisticated API. In addition, large volume customers can use a real-time API XML and a batch API XML model. Offices in The Netherlands, Germany, France, UK, and the US. |
| PAY@db Germany Western Europe |
Deutsche BankGermany PAY@db is an Internet payment gateway for Deutsche Bank (credit cards, transfers, e-cash, etc., including the global innovation Online-Check and Transfer Clearance). Not yet implemented. |
| Telecommerce France Western Europe |
France TelecomFrance France Telecom offers a Web-based E-Business solution that was developed by Open Market, called TeleCommerce, in association with banks BNP and Credit Agricole. It goes much further than other solutions, as it does not require users to input their credit card numbers, since they already have given their credit card details the first time they bought on a TeleCommerce merchant. $2500 installation cost, plus $150 per month and 3% of transactions. (Information from Bill Dunlap) |
| CyberMUT France Western Europe |
Groupe Crédit MutuelFrance The first French bank to get into the secure payment business was Crédit Mutuel. Their lower price has permitted them to attract more clients than other solutions. A merchant pays $17 per month, and each transaction is charged $0.17 + 1% of the transaction. (Information from Bill Dunlap) |
| ePDQ United Kingdom Western Europe |
Barclaycard Merchant ServicesDepartment CSD, Barclaycard House 1234 Pavilion Drive More complex operation uses the CyberCash Cash Register 3.2 interface. Must have a Barclay's merchant account to use this service. £25 per month management fee. Transaction fee 2% less than £10,000 per month, 1% over £10,000. Plus fees for merchant account. |
User Feedback:I live in the UK and boy is it difficult to get things sorted over here. Firstly, due to our very strict Data Protection laws, it is actually against the law for a business that is operated from the UK, to have a merchant account in any country other than the EU countries which fall under the Data Protection Act. The Data Protection Act is basically an iron clad system that protects a persons information from fraudulent use. It is thus stated that if a UK citizen give his personal information to a US website, he knows that there are inherent risks of fraud as the States do not have as stringent Data laws as the EU. If, however, he purchases from a site in the UK and his details are somehow used for fraudulent purposes, he can sue the website owner for sending his details to a country outside of the EU, for processing (i.e US Merchant Account). Very few UK site owners are aware of this though. Therefore I have set up a Merchant account with a UK provider. I have my own Merchant Account with Barclays Merchant Services (a major banking conglomerate over here). The site is hosted with JP Interactive ( http://www.get-trolleyed.co.uk , miles@direct2u.co.uk ), who also provide the shopping cart and secure server. I paid £300 to get the software from Get Trolleyed and £200 for a years technical support contract. The set up fees for Barclays were reduced from £250 to £50 because of a deal JPI have with Barclays. The shop is administered through a browser and has a lot of good features. You need to be a bit of a techie to get through some of it though, especially the initial setup, but the tech support guys are fabulous. They are not big on bespoke autoresponders and all the other fancy stuff I need for my site and I've had to get my website developer ( http://www.alphaserve.co.uk , daniel@alphaserve.co.uk ) to programme unique Perl and Java scripts for me and integrate them into the shop software. The user interface for adding products, changing shipping options, adding VAT, etc is very good and is pretty user friendly, and the transactions are processed with an e-mail being sent to you with all the details you need to process the orders. More of a physical product shop though as opposed to an information product shop. I hope this will be of help in your research. If anyone in the UK should need advice, please don't hesitate to refer them to me, if you'd like. -- Lisa van den Berg Shamba Direct UK | |
| DnB Norway Western Europe |
DnB - Den norske BankNorway Reports of a payment gateway. |
| SecureTrading United Kingdom Western Europe |
SecureTradingParc Menai Business Park There are no set-up charges. The annual fee is £295, and there is a transaction charge of 1.5%, with a £10 monthly minimum. Annual fee includes full customer and technical support. Requires a merchant account. Provides help with HTML forms, ASP/COM components and Perl scripts to integrate with shopping cart program. Alternatively a form can be hosted on SecureTrading's servers. |
User Feedback:I use www.securetrading.com they are based in Cardiff, Wales. They partner with LloydsTSB Cardnet which is the UK's biggest bank and credit/debit card provider/processor. Their support guys are great. They create simple http upload/download access to their server (no ftp for security) and will help you make changes to text documents which are easily uploaded into their custom Perl/CGI scripts. They accommodate most shopping cart systems (or you can simply use online forms/multiple forms), deal with transactions in any currency and are up 24/7. I couldn't recommend them any higher. -- Mike Grehan, Design WorksMy son's business uses Secure Trading (a UK company) http://www.securetrading.com. He finds them very easy to use and provide a confident and competent help desk. -- Dr. Maurice Manktelow, Bradford Business School | |
| eops Germany Western Europe |
eops AGDüsseldorf Germany Enables concluding transactions directly via the Internet using credit cards or the electronic debiting procedure (ELV), whereby purchasers disclose their bank account information to the merchant, which is then transmitted directly in encrypted form to the merchant bank of the provider. Prices: up to 1000 transactions per month 0.65 DM/transaction down to 0.40 DM/transaction over 10,000 transactions per month. No set-up fees, 55.0 DM monthly fee. Branch offices in Spain, China, and Las Vegas, NV (US). |
| QPAY and QTILL Austria Western Europe |
QENTA paymentsolutions GmbHHans-Sachs-Gasse 10/IV Website is in German. Provides a SET-compliant payment gateway. |
| Solo e-payment Finland Western Europe |
Solo Market/Merita Bank PlcAleksanterinkatu 36 B The service available only to customers holding an account with Merita Bank Plc (Finland), Nordbanken AB (publ, Sweden), Unibank A/S (Denmark), or Kreditkassen (Norway) The Solo Market has about 600 merchants. The potential clientele is composed of over two million users of Solo Codes in Finland, Sweden and Denmark. Merchant costs are: Set-up fee: 168,19 Euro (1000 Markka). Monthly fee: 16,82 euro/month (100 mk/mo). Transaction fees: 0,34 euro (2 mk). |
| Paymentservice Austria Western Europe |
Paymentservice.atScheibengasse 6 Payment gateway (Payment-Plattform) enables payment by SET (Visa, MasterCard), Playsafecard, Maestro, and bank funds transfer. No prices on website. |
| VIP Germany Western Europe |
Virbus AGNeumarkt 9-19 More information, but not prices, at http://www.virbus.de/de/portfolio/produkte/vip_system.html |
| Banco Comercial Portugues Portugal Western Europe |
Banco Comercial PortuguêsRua Augusta nº 62/96, 2º piso No information on website. |
| GestPay Italy Western Europe |
Banca Sella S.p.A.Via Italia n. 2 Prices: Basic, £ 15.000 (7,75 €) + Iva al mese. Advanced, £ 25.000 (12,91 €) + Iva al mese. Professional, £ 35.000 (18,08 €) + Iva al mese. Gateway supports the Italian Lira and the Euro. Advanced allows customization of payment pages, and interface in Italian, Spanish, and English. While all allow presence in Sella.it shop, professional includes banners to point to the site. |
User Feedback:Today many banks in italy offer this service (payment gateway). The first mover and today's leader is Banca Sella. -- Ivano Greco, Gruppo Simpres | |
| NetBanx United Kingdom Western Europe |
NetBanx Ltd.Internet House, Station Court Station Road Offers several products. Entry Level set-up fee is £75 + VAT for single product sites. Intermediate Level set-up is £125 + VAT for two to 10 products. Supported Ordering Platform set-up fee is £300 + VAT for integration into shopping cart programs such as Actinic, Cat@log, COWS, Erol, Intershop, and Shop@ssistant. Bespoke Integration for custom programming is £500 + VAT. Provides transactions for merchants with accounts at Barclays Merchant Services, NatWest Streamline, Midland Merchant Services, HSBC, Lloyds TSB Cardnet, Bank of Scotland, and Royal Bank of Scotland (Roynet). Merchant processing fees are based on the amount transacted. For less than £2000 in total transactions per month, the fee is 4%. For £2000 to £5000 it is 3%, from £5000 to £10,000 it is 2%, and 1% over £10,000. |
User Feedback:I am a Director of a small luxury goods e-commerce site in the UK. our payment gateway is Netbanx. We selected this company because when we set up (12 months ago) the UK banking systems was (still is) cool towards online trading provisions for companies with no trading history. We have found Netbanx very friendly and helpful. They provide on-line access to our account. We have Bureau merchant status with them while we move to full merchant status, and monies are released after (phew) 60 days. It's tough. We have had some minor snarls - occasionally a payment I know has gone through does not get reported to us for 36 hours. We have had only one crdit card fraud attempt and consequent chargeback, and they were efficient and helpful. The set up was (relatively) straightforward, but the material they went was updated without our knowng it. They are weak on technical support - we needed to update our payment confirmed HTML pages, and their technical dept just couldn't get a simple, minor text and graphic alteration correct. Would I recommend them? Yes. But I think we moving more and more to the mind of bankng with a non-UK (probaboy American/Canadian operation in a few months. -- James Gladwin Styleisland.com UK | |
| Seem to have sewn up a large part of the UK market. I'm a bureau merchant, have been with them since just after they got going (Feb 1999) Costs 4% up to 2000 GBP a month turnover, 3% 2000-5000 GBP minimum 10 pounds monthly plus 4% of turnover to acquiring bank + 17.5% VAT on top of their charges making an 8% basic charge into 8 * 1.175 = 9.4% Usually works OK, but from time to time transactions seem to fail for no good reason, which obviously costs lost sales and annoyance. This particularly happens from Eastern European clients. They have a fairly aggressive fraud screen, which seems to screen out more cards and IP addresses than necessary. Since I sell electrons (eBooks) fraud does not hurt me, but the lost sales do :( So I've just converted over to a proper merchant account and I'm going to get them to reduce the security level so more of my transactions go through. ) Usually quite difficult to get technical support. They were quite good at customer service until they cut a deal with demon internet (unfortunate name) one of the biggest UK ISPS to offer an ecommerce package to Demon users. This got them a lot of new clients and they grew faster than they could cope. We're looking for something more flexible and better. I think they're good for a small business operating from a simple site that sells one or two products and is able to write their own back-end scripts. -- Alex Eames UK | |
| DataCash United Kingdom Western Europe |
DataCash Ltd.50 - 51 Bedford Row Trade in more than 135 currencies and settle in 22. Works with merchants that have merchant accounts with American Express, Bank of Scotland, Barclays Merchant Services, Girobank, HSBC, NatWest Streamline. No pricing info on website. APIs available for Perl, NT server, Java, ColdFusion DLL, and integrated with InterShop. Fraud screening available through Retail Decisions (ReD). Annual subscription £960, monthly fees £100 for up to 1000 authorization request per month. Additional fees for other currencies than £/GBP and capability of processing multiple simultaneous transactions. |
