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Other Third-party Payment Processors

This is a brief overview of some of the main third-party payment processors operating on the Internet.

2CheckOut
This service is becoming increasingly popular. They enable you to accept customer orders via online checks, Visa, MasterCard, Discover, American Express, Diners, JCB and debit cards with the Visa, Mastercard logo.

Among their offering, 2CheckOut includes an optional integrated shopping cart and enables you to set up recurring billing (if, for example, you want to collect periodic membership payments).

Visit the 2CheckOut website

Globill Systems
This seems to be a very complete service. The setup seems to be a little more complicated that some of the others, but they have very good support if you're having problems. They operate a good affiliate program setup.

In common with PayPal, they enable recurring billing and, judging from their webmaster discussion boards, a large chunk of their business comes from sex sites.

You can sign in for a test, which enables you to look at the entire setup, and, if you want, leave questions on the boards for other webmasters.

Set Up Fee: $0
Per Transaction Fee: 15.95%
Monthly fee: $0
Reserve: 3% for 6 months

Visit Globill Systems' website

Digibuy
Again, this is a professional looking service. On their site they say "DigiBuy gives you complete control of all your online e-commerce activities. You handle everything from uploading content and setting prices to checking order status and processing refunds. Set-up is so easy, you'll be ready to sell your goods literally within 5 minutes!

Digibuy utilizes a proven and advanced catalog management, payment, and downloading system to provide you with the best possible performance and highest reliability."

DigiBuy accepts Visa, MasterCard, American Express, and Discover. One interesting aspect is that you can use DigiBuy in conjunction with third-party affiliate networks like ClickTrade, Commission Junction and Affiliate Tracking.

They have two levels of service called 'Essential' and 'Advanced'. The main difference between the two is that on the advanced service you can customize the look of the order forms, the confirmation page, and so on.

Set Up fee:
Essential service - $29.99 for first item plus $9.99 for each additional item.
Advanced service - $199.99 for first item plus $9.99 for each additional item.
Fee to upgrade from Essential to Advanced - $179.00.
Per transaction Fee:
13.9% or $3.00 transaction fee, whichever is greater, per transaction.
Monthly fee: $0 and no minimums
Other fees: $2.00 refund fee for each refund processed.
$25.00 chargeback fee for each chargeback processed.
Download fee: $0.01 per 100,000 bytes. (Example: If your e-book is 1,000,000 bytes, you'll pay $0.10 each time it's purchased.)

Visit DigiBuy's website

InstaBill
Another professional looking service which enables you to accept payment with all the major credit-cards. This service seems quite rich in features.

This payment service can be integrated with most existing affiliate networks like ClickTrade, Commission Junction, FreeFiliate and Affiliate Tracking.

Set Up Fee: $0
Monthly fee: $0
Per Transaction Fee: 10%
Reserve: 10% for 6 months

Visit InstaBill's website

iBill
Enables you to accept payment with major credit-cards, checks or via Web900 (charged to the customer's phone bill). They have an impressive control center. You can explore the demo version.

This service comes with an built in program called RevShare which enables you to run your own affiliate program. RevShare seems to be quite rich in features.

Set Up Fee: $0
Monthly fee: No fee but minimum sales of $25 required
Per Transaction Fee: 12%-15% (checks and credit cards); 20-30% (Web900)
Reserve: 10% for 6 months

Visit iBill's website

Revecom
With Revecom you can accept Visa, MasterCard, Novus/Discover, American Express, Diners Club, and JCB cards as well as online checks.

This service looks professional and appears to be rich in features. They can accept orders in 180 different currencies and they can pay merchants in 22 currencies.

I wrote to Revecom regarding compatibility with third-party affiliate networks. Their lightening-fast support mailed me within 10 minutes with this response:

"It is possible as we offer a variety of open relationship platforms. We have several merchants using 3rd party affiliate systems. You will need to provide specific information needed for these affiliate systems for us to confirm compatibility."

Set Up Fee: $49
Monthly fee: $0
Per Transaction Fee: 3.95% + $1 (credit-cards); 4% + $1 (checks)
Reserve: 5% for 90 days

Visit Revecom's website

More Options...
This is just the tip of the iceberg -- there are MANY more options out there that you can use to collect payment for your ebooks. You'll find a pretty complete list on this page (together with a few words of warning about the potential dangers of relying solely on PayPal).

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