Come on Stu!! You’ve got a website to write, you don’t have time to play games!!
Actually, in this case, a PSP is a Payment Service Provider, a partner that provides the facilities to accept credit cards, so we can take payment on behalf of our clients. There are various ones to choose from, but the 4 contenders I’m looking at are:
- Google Checkout.
At the moment, it’s a straight choice between the 1st 2, because Google Checkout isn’t available in the UK, but I am evaluating it because it would be an option if it were available in the UK.
So how do the other 2 stack up against each other? They both provide a secure XML payment gateway, or they wouldn’t be the last 2, they both accept similar cards and they both have pretty good reputations. What I’m trying to say is that it all comes down to money 🙂 How much are they going to charge?
Protx have a very simple price plan. If you have less than 1000 transactions a quarter there is a flat £20 a month charge, otherwise they charge 10p per transaction. That seems a little odd that when your transactions increase, so does the cost. When you grow to reach the 1000 transaction limit, you automatically get switched so there doesn’t seem to be any messing.
SecureTrading on the other hand won’t give a quote over the web, you have to call them, I’ll do this as soon as I have some better estimates of the level of transactions involved, and the average transaction value.
Paypal is a choice we could develop, but to be honest, their fees are just too high to be cost effective.
Update: SecureTrading have got back to me with a quite, and up to 1000 transactions in 3 months, ProTX are cheaper, after that, SecureTrading win by a mile. If that remains true following ProTX’s aquisition by Sage we’ll wait and see …