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UK Payment Gateways for Magento, a comparison
 
jsdtechnology.co.uk
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I am midway through creating my first commercial Magento site and the question has arisen from my customer of which payment gateway to use.

Of course I could give him a short list and provide a few cowboy reasons for choosing one over the other but I’d rather do my homework first and present him with a document containing all available payment gateways that are compatible with Magento and the pros and cons of each, e.g. what are the charges or rates, requirements, how long setup takes, etc.

Has anyone done this type of research and would they care to share their findings with the community, please?

Many Thanks

James in West Dunbartonshire

 
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QWERTY Computers
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Hi James,

I’ve been using Magento for a few month myself but have only used Paypal and Google Checkout payment systems, but i’ll post what I’ve found using them.

Paypal - This is easily the easiest to use and most popular choice, and it is integrated into Magento wonderfully. Never had a single problem setting it up. Pricing is here: https://www.paypal.com/uk/cgi-bin/webscr?cmd=_display-pro-fees-outside

Google Checkout - Personally I’ve not had much joy with this, its a pain to setup properly. Its possible to setup but it involves quite a few hacks, and as soon as you get it working properly a new Magento comes out and you’ll have to redo all the editing again. With the latest magento release I’m going to stop using Google Checkout because it takes too long to setup each and everytime. Pricing is here: http://checkout.google.com/sell

Most of the other payment systems are out of date on Magento Connect so would take a bit of editing to get working 100% again.

In a Nutshell: Paypal is the easiest out there to setup and use.

Hope this helps

Paul@QWERTY Computers

 
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Darren Grant
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Yes PayPal might be the easiest but it is also outrageously expensive and if that is your only payment method gives out the wrong message in my opinion. Many customers will feel more secure seeing PayPal but many more will see that as an indication that you are a small company that isn’t big enough to take your own card payments.

 
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WebShopApps
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We’ve been running with Protx for over 6 months now.  It has it’s issues, mainly around Maestro card payment, but overall has been solid for me.  I understand there are issues with the latest version of Magento, I’m running 1.6 and no plans to upgrade.

We also offer Paypal, Google Checkout, but by far most sales are via Protx.  Cost is good, but you need a merchant acct.

Rgds

Karen

 
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whitetie
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Hi,

Not live yet, but testing phase with protx (form) on 1.1.8 and all seems to be working fine! Quite easy to integrate although need to change the look of the form with the downloadable Protx kit which needs experience in xslt.

Protx is 20 quid a month for small businesses, something like less than 1000 transactions a month.

So far, so good

Matt

 
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Darren Grant
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We are using Protx with osCommerce at the moment and hope to continue when we make the switch to Magento, but we are still waiting for magento to resolve all of the issues before we make the jump.

 
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jsdtechnology.co.uk
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QWERTY is that PayPal Website Payments Pro UK you are using in Magento?

Birches is that Protx VSP Form you are using?

Here is some comparison data I’ve been working on in the past few days. Feel free to correct any errors.

Authorize.net
Form or API-based: Form (payer is redirected to Authorize.net website)
Core module or extension: Magento core module
Available for use within the UK: Only businesses with a bank account in the USA:
Reference: http://www.authorize.net/support/knowledgebase/ states the following:-

Does Authorize.Net® support international transactions?

Yes. Merchants can submit transactions to the payment gateway on behalf of non-U.S. customers. To do so, the merchant’s bank account must be with a financial institution located in the United States, and the merchant’s payment gateway account must be configured to accept the customer’s card type: Visa, MasterCard, American Express, Discover, JCB, Diner’s Club, or EnRoute. The payment gateway will submit the amount of the transaction to the customer’s card issuer, who will then handle all currency conversion to U.S. dollars.

Since the merchant’s default Address Verification Service (AVS) settings may cause foreign transactions to be declined, merchants who plan to regularly accept international transactions should make sure that their AVS settings are configured to not reject transactions from a non-U.S. card issuing bank. For more information on AVS settings, please see How do I use the Address Verification Service (AVS)? What settings should I configure?

2Checkout.com
Form or API-based: Form
Core module or extension: Magento extension
Available for use within the UK: Yes
Extension web page: http://www.magentocommerce.com/extension/481/2checkout.com-payment-module
Payment Service Provider Website: http://www.2checkout.com/community/about/
Cost of extension: Free
Accepted cards: 2Checkout will accept any credit card with the Visa, Mastercard, Discover, American Express, Diners Club or JBC logo.
Charges: $49 USD to open an account with 2CO, each transaction 5.5% + $0.45 (other charges listed at https://www.2checkout.com/documentation/op_regs_a.html)
Arguments for: Transfer of funds via BACS from 2CO account to UK account takes 2-3 days and there is no charge by 2CO for this.
There are other transfer options available such as cheque.
There are no leases, no monthly fees, no application fees, no gateway fees, no additional card company or third party charges and no statement fees.
The 2CO Magento Extension has a rating of 4 out of 5 stars on the Magento web site and is certified by 2Checkout themselves.
Arguments against: Funds in 2CO account remains in the 2CO account and cannot be transferred out until it reaches at least $600 USD. A per transaction charge of 5.5% + $0.45 appears a little on the high end of the scale.

Barclays ePDQ
Form or API-based: Only API-based version can be used with Magento currently although Barclays do have a form-based version available also.
Extension web page:
http://www.magentocommerce.com/extension/packages/module/530/barclays-epdq
Payment Service Provider web page: http://www.barclaycardbusiness.co.uk/accepting_cards/phone_mail_internet/integrated/
Cost of extension: Free
Accepted cards: Visa, Visa Electron, MasterCard, Solo, JCB, Amex and Maestro.
Charges: Quote: “Our charging structure is split into three parts to allow us to effectively tailor a solution to meet your needs at competitive prices:

* A joining fee for new customers to cover the cost of setting up your account
* An online solutions charge which is in two parts: a flat monthly charge plus a percentage of your transaction values
* A transaction processing charge that is payable in addition to the online solution charge

This covers the activity of processing the transaction with the card scheme and the customer’s card issuer.

Usually credit cards are charged on a % of the transaction value basis, while a flat fee is applicable to debit cards.

The amount you pay will be calculated on a number of factors including; your turnover, your average ticket price, and the ratio of credit card transactions to debit card payments you have. We will provide you with a full quote when you contact us. “
Arguments for: API-based payment gateway for seamless user experience. Barclays is a highly reputable banking institution.
Arguments against: Compliancy with the PCI DSS is required by Barclays which will cost more time and money. Charges could be high but its impossible to tell without first contacting Barclays. There are no described experiences from other Magento implementers on the Magento message board apart from one person who said that Barclays ePDQ is best avoided but gave no particular reason. The Barclays ePDQ Magento extension also has not been rated any star rating yet and it’s current version is 0.1.8 beta stability.

HSBC Remote Payment Gateway Module v0.8
Form or API-based: This extension/module for Magento is API-based currently but a form-based version is in development.
Core module or extension: Magento extension
Available for use within the UK: Yes
Extension web page: http://www.magentocommerce.com/extension/652
Payment Service Provider Website: http://www.hsbc.co.uk/1/2/business/cards-payments/secure-epayments
http://www.hsbc.co.uk/1/2/business/cards-payments/secure-epayments/which-solution
http://www.hsbc.co.uk/1/2/business/cards-payments/secure-epayments/faqs
Cost of extension: $45 USD
Accepted cards: Visa, Mastercard, Switch/Solo and American Express.
Charges: Set-up charge of £200
A monthly management fee of £20
Transaction charges will be negotiated on an individual basis consisting of, credit cards and non UK issued debit cards charged at a percentage of the transaction value. UK issued debit card transactions, will be charged at a fixed rate per transaction.
Arguments for: API-based payment gateway for seamless user experience. HSBC is a reputable company.
Arguments against: To accept debit and credit cards over the Internet [with HSBC], you will need to have been banked with HSBC Bank plc or have had a Card Processing relationship with HSBC Bank plc and/or HSBC Merchant Services for a minimum of 12 months.
Need to apply with HSBC for this service and this will take 15 days to create the account.
High setup charge.
Compliancy with the PCI DSS is required.

Next up: PayPal, Protx and Worldpay.

 
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jsdtechnology.co.uk
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PayPal Website Payments Standard UK

Form or API-based: Form-based.
Core module or extension: Magento core module
Available for use within the UK: Yes
Extension web page: N/A (core module)
Payment Service Provider Website: https://www.paypal.com/uk/cgi-bin/webscr?cmd=_wp-standard-overview-outside
Cost of extension: N/A (core module)
Accepted cards: Visa, Visa Electron, Mastercard, Maestro, Solo, American Express
Charges: See table below.

Monthly sales / Price per transaction
* £0.00 GBP - £1,500.00 GBP - 3.4% + £0.20 GBP
* £1,500.01 GBP - £6,000.00 GBP - 2.9% + £0.20 GBP
* £6,000.01 GBP - £15,000.00 GBP - 2.4% + £0.20 GBP
* £15,000.01 GBP - £55,000.00 GBP - 1.9% + £0.20 GBP
* above £55,000.00 GBP* - 1.4% + £0.20 GBP

To withdraw money from PayPal account (and transfer it to your associated bank account) there is a charge of £0.25 unless the amount transferred is over £50.

Arguments for: Low-cost solution: no monthly, start-up, or cancellation fees – and no annual commitment.

Customers do not need a PayPal account in order pay.

Customers fill in their address details in Magento then they are redirected to PayPal website where they enter their credit/debit card details and confirm payment. They are then redirected back to Magento.

PayPal are responsible for the security of the transactions and are PCI DSS compliant.

PayPal is a well known and trusted brand.

Quick to setup.

Can customise the top of the PayPal checkout pages with own logo and colour scheme.

Arguments against: Per transaction fee of 3.4% + £0.20 is a little high.

The checkout process redirects the customer away from the Magento site to PayPal so the checkout experience is not seamless.

Some people may not like to pay with PayPal.

PayPal Website Payments Pro Express Checkout UK
Form or API-based: Form-based
Core module or extension: Magento core module
Available for use within the UK: Yes
Extension web page: N/A
Payment Service Provider Website: https://www.paypal.com/uk/cgi-bin/webscr?cmd=_additional-payment-overview-outside
Cost of extension: N/A (core module)
Accepted cards: Visa, Visa Electron, Mastercard, Maestro, Solo, American Express
Charges: Same as PayPal Website Payments Standard UK
Arguments for: Low-cost solution: no monthly, start-up, or cancellation fees – and no annual commitment.
Customers can checkout quickly by clicking on the PayPal logo in the shopping basket and this redirects them to their PayPal account. They type their PayPal password and confirm the order there and will not need to enter their address. This method requires the buyer to have a PayPal account (very common) and permits Magento to obtain the customers’ address information from their PayPal account instead of requiring the customer type in the address.

Arguments against: Per transaction fee of 3.4% + £0.20 is a little high.
The checkout process redirects the customer away from the Magento site to PayPal so the checkout experience is not seamless although the PayPal checkout page can be customised to an extent.
The customers address details are stored in PayPal and not in Magento.

Some people may not like to pay with PayPal.

PayPal Website Payments Pro UK
Form or API-based: API-based
Core module or extension: Magento core module
Available for use within the UK: Yes
Extension web page: N/A
Payment Service Provider Website: https://www.paypal.com/uk/cgi-bin/webscr?cmd=_wp-pro-overview-outside&nav;=2.0.1
Cost of extension: Free
Accepted cards: Visa, Visa Electron, Mastercard, Maestro, Solo, American Express
Charges: Same as PayPal Website Payments Standard UK plus £20/month flat fee.
Arguments for: Direct payment from Magento possible without redirection to PayPal website.
Also includes the capability of paying with a PayPal account (with PayPal Express Checkout), paying by phone, fax and post (with Virtual Terminal) and gives the possibility to charge your customers credit card or PayPal account on a regular basis (recurring payments).
Arguments against: PCI DSS self-certification is required.
£20/month on top of transaction charges.

Protx VSP Form

Form or API-based: Form-based
Core module or extension: Magento core module
Available for use within the UK: Yes
Extension web page: http://www.magentocommerce.com/extension/143/protx-extension/
Payment Service Provider Website: http://www.protx.co.uk/packages_hiw_website.asp

http://www.protx.co.uk/packages.asp

Cost of extension: Free
Accepted cards: Visa, Visa Electron, Mastercard, Maestro and Solo.
Charges: £20 per month for Small Business Service package (up to 1000 transactions per quarter) with no transaction charges. For the Corporate Business Service package (for over 1000 transactions per quarter) then there are no monthly fees, only a 10p per transaction charge. For the Bespoke Business Service package (a tailored solution) the prices are on request.
Arguments for: No setup fees although a merchant bank account is required for which there may be a setup or other fees charged by the bank. No transaction charges for less than 1000 transactions per quarter.

Arguments against: Merchant account required with one of a specified list of banks that have approved Protx. Banks that have approved Protx are: http://www.protx.co.uk/packages_sbs_requirements.asp (browse to page then click on the link to Merchant Banks).

When customers checkout they enter their address information on the Magento site, they are then redirected to a Protx site where they enter their CC details. They are then redirected back to the Magento site when the transaction is complete.

Protx VSP Direct

Form or API-based: API-based
Core module or extension: Magento core module
Available for use within the UK: Yes
Extension web page: http://www.magentocommerce.com/extension/163/protx-direct-payment-module/
Payment Service Provider Website: http://www.protx.co.uk/packages_hiw_website.asp

http://www.protx.co.uk/packages.asp

Cost of extension: Free
Accepted cards: Visa, Visa Electron, Mastercard, Maestro and Solo.
Charges: Same as Protx VSP Form
Arguments for: Same as Protx VSP Form. Customer stays on Magento site throughout checkout.

Arguments against: PCI DSS self-certification required.


SECpay
Form or API-based: Form-based (for PayPoint Lite package), Form or API (for PayPoint Professional and Enterprise packages)
Core module or extension: Magento extension
Available for use within the UK: Yes
Extension web page: http://www.magentocommerce.com/extension/463/paypoint-secpay-professional-payment-module/
Payment Service Provider Website: http://www.paypoint.net/solutions/payment-gateway/
http://www.paypoint.net/support/payment-gateway-support/

Cost of extension: £75
Accepted cards: Visa, Visa Electron, Mastercard, Maestro, Solo, Diners Club, JCB, American Express
Charges: Lite package: £10 per month with first 100 transactions free then £0.39 per transaction thereafter.

Professional package: £50 setup (but there is £50 discount as described at http://www.magentocommerce.com/extension/463/paypoint-secpay-professional-payment-module which reduces this to zero). Pro package is split into 3 tiers: Pro 10 is £10/month + £0.39, Pro 20 is £20/month + £0.20 per transaction, Pro 100 is £100/month + £0.10 per transaction.

Enterprise package is a tailored solution for large numbers of transactions.
Arguments for: No setup fee for Lite package or Pro. First 100 transactions free with Lite package.

Arguments against: An Internet merchant account is required for which there may be a setup or other fees charged by the bank. Banks that have approved PayPoint are: http://www.paypoint.net/features/banks/

When customers checkout they enter their address information on the Magento site, they are then redirected to a PayPoint site where they enter their CC details. They are then redirected back to the Magento site when the transaction is complete. Magento records the status of the transaction so that it is visible as a sale in the backend.

WorldPay

Form or API-based: Form-based
Built-in module or extension: Magento extension
Available for use within the UK: Yes
Extension web page: http://www.magentocommerce.com/extension/302/worldpay-extension/
Payment Service Provider Website: http://www.worldpay.com/support/content.php?page=technical⊂=junior
Cost of extension: Free
Accepted cards: Visa, Visa Electron, Mastercard, Maestro, Solo, Diners Club, JCB, American Express, Laser, ELV
Charges: Setup fee £75, monthly fee £15, 3.35% + £0.15 charge per transaction (the charges are normally higher but currently there is a special offer available http://www.worldpay.com/business/offers/index.php?c=UK )

Summary of checkout process: When customers checkout they enter their address information on the Magento site, they are then redirected to a WorldPay site where they enter their CC details. They are then redirected back to the Magento site when the transaction is complete. Magento records the status of the transaction so that it is visible as a sale in the backend.
Arguments for: Already have a WorldPay Internet merchant account. Can accept payments in over 20 currencies, from over 144 countries and from many different card types. Can also accept PayPal payments. Take payments by phone, fax and mail with the MOTO service.

Arguments against: The charges are higher than competitors.

Google Checkout
Built-in module or extension: Built-in
Module/extension web page: http://www.magentocommerce.com/wiki/using_google_checkout_with_magento
Form or API-based: Form-based
Available for use within the UK: Yes
Payment Server Provider website: https://checkout.google.com/seller/features.html?hl=en≷=GB
Cost of extension: N/A
Accepted cards: Visa (including Visa Electron), MasterCard and Maestro (including Switch/Solo).
Charges: No setup fee, no monthly fee, transaction charge is 1.5% + £0.15 per transaction (the charges are normally higher but currently there is a special offer available http://www.worldpay.com/business/offers/index.php?c=UK )
Summary of checkout process: When customers checkout they click on the Google Checkout logo in their shopping basket and are then redirected to a Google site where they enter their address and CC details. They are then redirected back to the Magento site when the transaction is complete. Magento records the status of the transaction so that it is visible as a sale in the backend.
Arguments for: The Google Checkout badge tells buyers that shopping with you will be convenient and secure. Fast checkout process possible if customer has a Google Checkout account, if not they will create one.

Arguments against: The Google Checkout pages are not customisable in appearance.

 
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jsdtechnology.co.uk
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Google Docs is useful for sharing documents.

Here is a spreadsheet of my comparison of Magento gateways for your convenience everyone.

http://spreadsheets.google.com/pub?key=pWGJOrcSUcKutRFpVUDSgWQ

I gave this to my client and he went for PayPal Standard for now. He might go for something else later on. He is a new startup thats why I think.

Kind Regards

JamesM

 
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I’d steer clear of anything ClearCommerce based such as Barclays ePDQ and HSBC’s shite. Used ePDQ for a while with great pain. Moved to WorldPay and am still loving it. Haven’t checked yet whether Magento’s WorldPay module makes the most of the Remote Admin POST calls like auth’ing pre-auth transactions and refunds etc.

 
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Elucidos
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Quite a lot of the Payment Gateways in the spreadsheet above are no longer available for Magento. I’ve put together a simple comparison of form-based Payment Gateways currently available, here:

Comparison of Magento-compatible Payment Gateways (UK)

The comparison concentrates on overall price for a low/medium-volume merchant. Since PCI Compliance for direct processing of credit card data isn’t feasible for most low/medium-volume merchants, only form-based services are mentioned, and for simplicity, these are further restricted to those that seem to me to be the most interesting from an overall balance of cost vs features.

Jay
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Hi jsdtechnology.co.uk,

Is there any chances you can come out with the update of recent payment gateway of your research and put in an Excel sheet ?Especially the extension that can work with magento 1.4+
I am sure many Magento developer out there will appreciate your effort very much

 
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