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paypal or visa merchant account?

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Jack Zucker

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Mar 27, 2004, 10:04:19 PM3/27/04
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I'm trying to decide whether to use paypal or a merchant visa account for
selling the book off of my website. Paypal is cheaper (1/2 the commission
rate) but it's not clear whether it supports having different shipping rates
for international vs domestic.

I'd appreciate recommendations from folks selling stuff off their sites.

--
Web: www.jazguitar.net
Book: www.sheetsofsound.net
Endorsements: www.jazguitar.net/endorsements.htm
Soundclips: www.soundclick.com/2/jackzuckermusic.htm


oas...@oasysco.com

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Mar 28, 2004, 12:22:26 AM3/28/04
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"Jack Zucker" <j...@jazguitar.net> wrote in
news:aKidnVov-6I...@adelphia.com:

> I'm trying to decide whether to use paypal or a merchant visa account
> for selling the book off of my website. Paypal is cheaper (1/2 the
> commission rate) but it's not clear whether it supports having
> different shipping rates for international vs domestic.
>
> I'd appreciate recommendations from folks selling stuff off their
> sites.
>

Jack,

If I'm not mistaken, buyers must also have a PP acct. That's the one thing
that makes it less useful than a regular merchant's account. Shipping rates
aren't part of PayPal, AFAIK, unless they've added that. EBAY and PP are
now co-owned, so it may support shipping rates for EBAY auctions, but for
plain sales, I'm thinking not. PP does do international currency conversion
as I've been paid by overseas folks in US dollars. Maybe that's a function
of Mastercard or something.

Greg

Jurupari

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Mar 28, 2004, 1:26:18 AM3/28/04
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>Paypal is cheaper (1/2 the commission
>rate) but it's not clear whether it supports having different shipping rates
>for international vs domestic.

You can't trigger it any way I know, but you can override shipping on specific
items if necessary. I do know how to do that, but not by destination. Also
you can have gradient shipping and handling by price or units or whatever, but
it's not programmable by them by destination through their software.

They exchange currency with nearly everyone, but I did have to take a bank
draft from the United Arab Emirates - not exactly a regular sale.

I worked my shipping out by averaging the charge, and ship anywhere for the
same s&h.

Paypal does an amazing amount of accounting for nearly free. I know they take
all major cards, but don't know if you have to set up a paypal-to-card deal to
do that. You don't get the numbers, so you're out of the handling loop, unlike
with a merchant's account.

The merchant visa will leave you with a sizeable nut to crack, but you're
running cost plus per sale with Paypal, just like Halliburton and the govt, so
it's win-win. :o)

As to int'l shipping, I'm mailing instructional CDR's so it's no weight - about
3 ounces in a bubble mailer for a CDR in a protective case - a book would be a
different story.

Clif Kuplen

LarryV

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Mar 28, 2004, 6:33:09 AM3/28/04
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My two cents fwiw, a lot of folks refuse to use Paypal, and I'm one of
them. I've read too many Paypal horror stories so I don't use it. At
any rate, I have no interest in finding out through experience if the
stories are true or not.

"Jack Zucker" <j...@jazguitar.net> wrote in message news:<aKidnVov-6I...@adelphia.com>...

Jack Zucker

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Mar 28, 2004, 9:08:22 AM3/28/04
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I signed up with 2checkout.com, a cc processing firm. They charge 2x the
fees of paypal but I too was uncomfortable with paypal's reputation. Plus,
paypal doesn't seem to handle international shipping charges correctly.

"LarryV" <lar...@rcn.com> wrote in message
news:68514a82.04032...@posting.google.com...

Jack Zucker

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Mar 28, 2004, 9:10:34 AM3/28/04
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Thanks Greg (and others) for your help and suggestions.

<oas...@oasysco.com> wrote in message
news:mit9c.23256$_U.15192@lakeread05...

Joey Goldstein

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Mar 28, 2004, 11:40:22 AM3/28/04
to

LarryV wrote:
>
> My two cents fwiw, a lot of folks refuse to use Paypal, and I'm one of
> them. I've read too many Paypal horror stories so I don't use it. At
> any rate, I have no interest in finding out through experience if the
> stories are true or not.

What types of stories?

--
Joey Goldstein
http://www.joeygoldstein.com
joegold AT sympatico DOT ca
sounclips at:
http://www.soundclick.com/bands/9/joeygoldsteinmusic.htm
http://www.soundclick.com/bands/9/joeygoldstein2music.htm

Paul Sanwald

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Mar 28, 2004, 1:39:17 PM3/28/04
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"Jack Zucker" <j...@jazguitar.net> wrote in message news:<aKidnVov-6I...@adelphia.com>...

> I'm trying to decide whether to use paypal or a merchant visa account for
> selling the book off of my website. Paypal is cheaper (1/2 the commission
> rate) but it's not clear whether it supports having different shipping rates
> for international vs domestic.
>

hi jack,
I recommend you do both (i.e. take payment either way), unless
there's a good reason not to. lots of people use paypal because of
ebay, not everyone wants to use their credit card. if you decide to go
the credit card route, for transparent transactions I recommend:
http://www.tranvia.com/

for easy, quick credit card transaction setup I recommend:
http://www.ccnow.com/

tranvia has pretty good rates as I recall, although I've only used
them for card present transactions (card not present transactions,
what you'll be doing, are not going to be as good a rate, due to the
increased risk).

also, if you decide to go the paypal route I recommend you also sign
up with neteller (http://www.neteller.com) which is a canadian paypal
that lots of our friends up north use.

looking forward to ordering a copy of the book!

--paul

Lumpy

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Mar 28, 2004, 2:45:11 PM3/28/04
to
LarryV wrote:
> > ...a lot of folks refuse to use Paypal,

> > and I'm one of them. I've read too
> > many Paypal horror stories...

Joey asked:
> What types of stories?

I've read horror stories about jazz musicians,
the internet, every guitar brand I can think of,
drinking tap water and breathing air.

Lumpy
--
Now Playing Near You!
http://www.digitalcartography.com/gigs.htm


David Kotschessa

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Mar 28, 2004, 2:55:09 PM3/28/04
to

On Sun, 28 Mar 2004, Lumpy wrote:

> LarryV wrote:
> > > ...a lot of folks refuse to use Paypal,
> > > and I'm one of them. I've read too
> > > many Paypal horror stories...
>
> Joey asked:
> > What types of stories?
>
> I've read horror stories about jazz musicians,
> the internet, every guitar brand I can think of,
> drinking tap water and breathing air.

Don't forget swallowing spiders in your sleep...


Unknown

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Mar 28, 2004, 8:03:06 PM3/28/04
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On Sun, 28 Mar 2004 11:40:22 -0500, Joey Goldstein
<nos...@nowhere.net> wrote:

>
>
>LarryV wrote:
>>
>> My two cents fwiw, a lot of folks refuse to use Paypal, and I'm one of
>> them. I've read too many Paypal horror stories so I don't use it. At
>> any rate, I have no interest in finding out through experience if the
>> stories are true or not.
>
>What types of stories?
>

Joey:

Go too google.com and do a search on paypal. You'll be amazed.

I won't use Paypal either.

Tim


http://timberens.com
A Website for Guitarists
Learn something...Have some fun
timb at erinet dot com

LarryV

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Mar 29, 2004, 5:33:03 AM3/29/04
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Joey, like Tim said, do a search for Paypal. But here's a couple sites
to get you started:

http://www.paypalsucks.com/

http://www.paypalwarning.com/


Joey Goldstein <nos...@nowhere.net> wrote in message news:<4066FFF5...@nowhere.net>...

Joey Goldstein

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Mar 29, 2004, 1:49:05 PM3/29/04
to

LarryV wrote:
>
> Joey, like Tim said, do a search for Paypal. But here's a couple sites
> to get you started:
>
> http://www.paypalsucks.com/
>
> http://www.paypalwarning.com/

Well for the 2 little transactions I'm doing it will have to do for now.
I haven't had any trouble with them yet and the amounts that I am
dealing with are very small.
If my customers don't want top use PayPal they can just mail me a
certified cheque or money order instead.

I *did* have some trouble with CCNow which is why I switched to PayPal.

Kevin Van Sant

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Mar 29, 2004, 4:01:28 PM3/29/04
to
On Mon, 29 Mar 2004 13:49:05 -0500, Joey Goldstein
<nos...@nowhere.net> wrote in message <40686F94...@nowhere.net>
:

>
>
>LarryV wrote:
>>
>> Joey, like Tim said, do a search for Paypal. But here's a couple sites
>> to get you started:
>>
>> http://www.paypalsucks.com/
>>
>> http://www.paypalwarning.com/
>
>Well for the 2 little transactions I'm doing it will have to do for now.
>I haven't had any trouble with them yet and the amounts that I am
>dealing with are very small.
>If my customers don't want top use PayPal they can just mail me a
>certified cheque or money order instead.
>
>I *did* have some trouble with CCNow which is why I switched to PayPal.

what kind of problems did you have with CCNow? I ask because I've
been using them for years without any problems.
_________________________________________
Kevin Van Sant
jazz guitar

http://www.kevinvansant.com
to buy my CDs, listen to sound clips, and get more info.

Alternate site for recent soundclips
http://www.soundclick.com/bands/kevinvansant_music.htm

Jurupari

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Mar 29, 2004, 4:14:23 PM3/29/04
to
>what kind of problems did you have with CCNow? I ask because I've
>been using them for years without any problems.

same with me and paypal. I guess there's always a first time, but they've been
great so far.

Clif

paul

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Mar 29, 2004, 4:44:54 PM3/29/04
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On 29 Mar 2004 21:14:23 GMT, juru...@aol.com (Jurupari) wrote:


>same with me and paypal. I guess there's always a first time, but they've been
>great so far.
>

I think so too. thousands of people use paypal to transfer money every
single day, many of them via ebay. I'm supposed to believe they're
just going to clean out my bank account? please.

--paul

Joey Goldstein

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Mar 29, 2004, 6:22:31 PM3/29/04
to

Kevin Van Sant wrote:
>
> On Mon, 29 Mar 2004 13:49:05 -0500, Joey Goldstein
> <nos...@nowhere.net> wrote in message <40686F94...@nowhere.net>
> :
>
> >
> >
> >LarryV wrote:
> >>
> >> Joey, like Tim said, do a search for Paypal. But here's a couple sites
> >> to get you started:
> >>
> >> http://www.paypalsucks.com/
> >>
> >> http://www.paypalwarning.com/
> >
> >Well for the 2 little transactions I'm doing it will have to do for now.
> >I haven't had any trouble with them yet and the amounts that I am
> >dealing with are very small.
> >If my customers don't want top use PayPal they can just mail me a
> >certified cheque or money order instead.
> >
> >I *did* have some trouble with CCNow which is why I switched to PayPal.
>
> what kind of problems did you have with CCNow? I ask because I've
> been using them for years without any problems.

I just had one chargeback.
Somebody saying they were from Iran bought one of my books through
CCNow. A few months later CCNow said the credit card holder had
complained that they had never bought my book. CCNow's policy is to go
with the credit card holder rather than the seller, evidently, and they
charged me for the amount involved.
My opinion at the time was that it was the credit card holder and the
credit card company's responsibility that his/her card was used responsibly.
A couple of months later and the book was actually returned via Canada
Post too. So I guess some idiot decided to hack me for one book or
something. Maybe it's somebody I pissed off on Usenet?!
In the end I paid CCNow back the money they wanted but I haven't used
them to sell any books since then. PayPal's rates are a substantially
cheaper and they also have alternate ways that someone can get money to
me, like emailing it.
I'm only selling about 30 books a year from my web site so this is not a
big deal for me.

oas...@oasysco.com

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Mar 29, 2004, 9:17:00 PM3/29/04
to
Joey Goldstein <nos...@nowhere.net> wrote in
news:40686F94...@nowhere.net:

>
>
> LarryV wrote:
>>
>> Joey, like Tim said, do a search for Paypal. But here's a couple sites
>> to get you started:
>>
>> http://www.paypalsucks.com/
>>
>> http://www.paypalwarning.com/
>
> Well for the 2 little transactions I'm doing it will have to do for now.
> I haven't had any trouble with them yet and the amounts that I am
> dealing with are very small.
> If my customers don't want top use PayPal they can just mail me a
> certified cheque or money order instead.
>
> I *did* have some trouble with CCNow which is why I switched to PayPal.
>

Hey, Music123, I believe, has started accepting PayPal now, according to
their latest catalog.

Greg

Ted Vieira

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Mar 30, 2004, 2:46:21 PM3/30/04
to
I've always had great success using CCNow. I've used them for about 3-4
years without a hitch.

Ted Vieira


_/ _/ _/ _/ _/ _/ _/ _/ _/ _/ _/ _/ _/ _/ _/ _/ _/ _/

http://TedVieira.com
Bio Info, Free Online Guitar Instruction,
Instructional Books, Articles, hear my CDs and more...

--
Soloing Over Altered Chords: 4 ways to use melodic
minor scales to solo over altered dominant chords.
View at: http://TedVieira.com/altered/index.html


_/ _/ _/ _/ _/ _/ _/ _/ _/ _/ _/ _/ _/ _/ _/ _/ _/ _/

Marc Sabatella

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Mar 31, 2004, 10:21:15 PM3/31/04
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> I just had one chargeback.

Those are a bitch, though, I agree. In retrospect, the one I got singed
with had "stolen credit card" written all over the original order; I
should have simply cancelled the order and not shipped in the first
place.

In any case, does PayPal really provide better protection against
chargebacks when credit card orders are placed?

> CCNow's policy is to go
> with the credit card holder rather than the seller, evidently, and
they
> charged me for the amount involved.

It's not exactly that they are going with the card holder - they are
going with the credit card company. And it is the credit card company
that it is siding with its customer over the seller. Realistically, it
is in their interest to be reasonably tough - they should demand some
real evidence from their customer that the order was never placed - but
I don't see how CCNow would be in a position to be able to take sides.

> PayPal's rates are a substantially
> cheaper and they also have alternate ways that someone can get money
to
> me, like emailing it.

I too was attracted to their lower rates, and the alternate payment
methods, and the fact that they were OK with using their facility for
selling services like lessons, whereas CCNow requires goods sold to be
tanglible. I was ready to switch last summer when I redesigned my site
until I realized their shopping cart software didn't allow you to set
different shipping rate for different countries. This was a
deal-breaker for me, as a significant amount of my business is outside
the US.

--------------
Marc Sabatella
ma...@outsideshore.com

The Outside Shore
Music, art, & educational materials:
http://www.outsideshore.com/

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