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Thread: E-Commerce Gateways

  1. #21
    Platinum Member Chatmaster's Avatar
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    Quote Originally Posted by Karenwhe View Post
    Last I checked you were not allowed to discount for EFT or vice versa, increase price for Credit Card. Maybe I am wrong, but there used to be some rules in regards to this. I am not sure what is going on now, maybe that has changed, or I was given the wrong the advise at that time.
    Karen to be honest, I have no idea if there is such legislation. It is good you are highlighting it though because in mind, it doesn't make sense. If one payment method is more expensive than the other, surely you can charge a admin, delivery or shipping fee for both, but discount the cheaper one as incentive to the consumer for using it?

    I would like to know for a fact though, maybe someone more qualified than me can shed some light on it.
    Roelof Vermeulen (Entrepreneurship in large organizations)
    Roelof Vermeulen| Project Management Experts

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    I know it is against VISA and Mastercards T&C to charge extra for credit cards, but there is a loophole that you can have a cash discount. The problem is that if I charge extra with a cash discount, my prices advertised on the comparison search engines will be the higher prices and will make me look expensive. I think I will avoid credit cards for a while longer. Also ... I don't want to use someone like Setcom unless I know I can get the full amount within 2 days are so ... because I need the cash to buy stock.

  3. #23
    Platinum Member Chatmaster's Avatar
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    I fully understand your dilema eitai2001. I really hope that a solutions to your issue are found soon. Just a question how badly is the fluctuation in purchase prices for your products? I understood that the prices changes very frequently.
    Roelof Vermeulen (Entrepreneurship in large organizations)
    Roelof Vermeulen| Project Management Experts

  4. #24
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    Fluctuation is a big problem ... I have to update prices weekly ... which is a pain ... I've created a makro that shows me what has changed since the last pricelist (New, Discontinued, Price Changes) ... but its not flawless as it works according to model numbers ... and if those change, it becomes a pain. But now with the rand dollar ... its gonna be a mission, cause PC pricing is based upon Rand Dollar.

  5. #25
    Gold Member daveob's Avatar
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    Alternate Card Processing

    I have been using the services of NetCash ( www.netcash.co.za ) based in Cape Town for about the last 5 years to process our monthly debit order subscriptions. Never a payment problem and their online client admin area works great.

    They recently introduced a Credit Card gateway for Visa and Mastercard, with no monthly fees and only 5% ( + R1 ) per transaction.

    If you meet their account criteria, it can be a great option.

    We have already have set up an online payment option on our site ( uses PHP ) and would be willing to share the php code if you require it.

  6. #26
    Platinum Member Chatmaster's Avatar
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    Sounds very interesting thanks daveob!
    Roelof Vermeulen (Entrepreneurship in large organizations)
    Roelof Vermeulen| Project Management Experts

  7. #27
    Platinum Member SilverNodashi's Avatar
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    I can also vouch for Netcash, their products & support is good, and prices are low (lower than Iveri & Setcom). You also don't need a Merchant account, and with CC payments you can get the money within a day or 2, depending on who you bank with.

    I'd suggest, to make provision with the CC costs, setup your price like you want them, and give cash discount on EFT / bank deposits. If you use something like ZenCart as a shopping cart, this can quickly be setup as an automated thing

  8. #28
    Email problem Karenwhe's Avatar
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    Hi Chatmaster,

    I am investigating the Netteller option now, just have a few more questions:

    How do you repatriate the money? (I mean charges from foreign currencies) That would add to Nettellers costs . (When we do business with the US, we get charged large amounts of money to convert foreign currency to rands and fees.)

    How do you transfer your money to your business account without the card thingy. That will also incur charges I assume

    Any more information about Netteller would be helpful.

    Thanks,
    Karen

  9. #29
    Platinum Member Chatmaster's Avatar
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    I used Neteller for an affiliate account and these questions is way above my head. None of the money went through a business account so I simply used the bank card to draw the funds. Perhaps a good idea to ask these questions to their merchant department.

    I did however do a search for Currency exchange but there is no exact answers in terms of costs. They always seemed to be very responsive when we contacted them so give that a go.
    Roelof Vermeulen (Entrepreneurship in large organizations)
    Roelof Vermeulen| Project Management Experts

  10. #30
    Email problem Karenwhe's Avatar
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    Cool stuff. Thanks. I will ask and post here if I get an definitive answers. In case anyone else needs the answers.

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