Accepting online payments: the ultimate how-to guide

How do I start accepting credit cards online?

That’s a very common question everyone here at FreshBooks hears from people calling and e-mailing in. I’ll try answering the best way I know how: through a little question-and-answer session.

Here are the questions we usually ask someone who calls in:

1. Where are you based?

If you’re in the USA—you have a lot of options. Canada—you have a few options. The rest of the world—sadly, very few options. If you are outside of the United States or Canada, we usually skip to recommending PayPal and leave it at that. There are more options, but FreshBooks doesn’t support them yet. We hope to soon, but in the meantime, PayPal is your best bet.

2. Do you already have a merchant account?

Or more to the point, do you even know what a merchant account is?

A merchant account is essentially a bank account that handles your funds received via credit cards. They normally take a percentage off of every transaction. This is called a “discount rate.” If you have a storefront or a retail business and you are swiping people’s cards, then you already have a merchant account.

If you want to start accepting payments online, you’ll need to give your merchant provider a call and ask for an Internet merchant account—this is different from a regular merchant account, because it gives you the ability to process credit cards without the card being physically present for the transaction.

3. If you do have a merchant account, do you already have an account with a payment gateway like Authorize.net or PayPal?

If so, chances are you already know what you’re doing and you aren’t even reading this article. If you don’t, then you can read on and I’ll give some more details on what a payment gateway is and what the options are.

A payment gateway is kind of like the middleman between your customer and you or your merchant account. They normally have a merchant login where you can manage your account, run reports, submit refunds, and even send invoices. None of them have the advanced capabilities of FreshBooks, but if you run a retail business or a storefront and all you want to do is send one invoice online and get paid, you can probably do that directly through your payment gateway. (We’re all about honesty here at FreshBooks!)

Of course, if you want to start managing all your invoices, keep track of everything and get paid faster, then you can use FreshBooks in conjunction with a payment gateway.

Payment gateways usually charge a monthly fee (PayPal is the only exception) and sometimes a setup fee. Many of them also require an online merchant account, but will usually help you get one if you don’t already have one.

Here are your options when it comes to payment gateways:

PayPal

The big daddy of them all. PayPal is incredibly useful and powerful and scary at the same time. The standard offering is free to use and provides any very small business that wants to quickly accept payments online a near-perfect solution. You can read all about PayPal from any number of sources. They have a number of offerings that work with FreshBooks:

  • PayPal Standard: This is the basic PayPal account. To start collecting on your FreshBooks invoices with PayPal Standard, you just need to enter your PayPal ID in your FreshBooks settings. When you send an invoice, there will be a link to pay and it will take your customer to a confirmation page that shows the total amount and provides a link to PayPal. Your customer then clicks that button and follows the instructions on PayPal’s site to pay the invoice. After they complete their payment, they must click “Return to Merchant,” at which point they’re directed back to FreshBooks and your invoice gets updated as “paid.” You can see a demonstration of this entire process in this blog post.
  • PayPal Payflow Pro: This is PayPal’s new offering, which they recently purchased from VeriSign. It is a fully functional payment gateway that you can use with FreshBooks to collect one-time payments as well as automatically charge your customer’s credit card. Payflow Pro requires you to obtain an Internet merchant account. It has proven to be a very flexible solution and gives you all the features you’ll ever need in a payment gateway. The service has not been as reliable since PayPal took it over, but it’s still top-notch.
  • PayPal Website Payments Pro: I’m not sure of the history behind PayPal Website Payments Pro (let’s shorten it to PayPal WPP so I don’t get a cramp typing this article), but I think PayPal created this service before they decided to purchase Payflow Pro from VeriSign because from the customer’s perspective it is almost identical. It provides all the same functionality, except that you don’t need to go out and get a merchant account. This is advantageous if you don’t like paperwork and/or your business is fairly new. Getting a merchant account can sometimes take some time and they make it more difficult if you are just starting out. Some of the downsides for FreshBooks users is that it is only available in the USA (the UK version is just a re-badged version of Payflow Pro). It is also controlled by PayPal and they won’t let you send recurring transactions, so you can’t use it to automatically charge your customer’s credit card.

That pretty much covers their offerings; you can read more about PayPal here. They also have something called Express Payment that is available if you have WPP, but express payment is just PayPal Standard on steroids. It will provide more consistency, but it still requires your customer to have a PayPal account.

Authorize.Net

Authorize.Net has built a very good reputation as the leader in online payment gateways for small business. They have a great solution with a no-nonsense gateway that just works. They provide a more direct solution than PayPal Standard, allowing your customer to seamlessly pay you with a credit card without having to leave your FreshBooks account. This offers a completely branded payment experience for your customers. Authorize.Net’s prices are reasonable and from what we have experienced, their service is great. When you refer people to sign up to a payment gateway, no news is good news; we’ve received largely positive feedback from new customers getting going with Authorize.Net and existing customers continuing to use the service.

Get a discount on Authorize.Net services by signing up through us.

The rest

FreshBooks has integrated with a host of other payment gateways. A select group of them are capable of handling automatically charging your customer’s credit card on a recurring basis. They include: Landmark (a smaller provider with excellent rates and easy online signup), Payment Processing Inc. (a U.S.-based service that actually purchased what was formerly a Canadian gateway, Paradata), iTransact (a larger gateway that also has a good reputation from our standpoint because we haven’t received any complaints), Linkpoint (ditto to iTransact), PSiGate (a Canadian gateway—yaay Canada!—they are a great solution if you are a Canadian business).

The outliers

A special payment gateway that doesn’t actually process credit cards is Electracash. They can enable you to collect your payment with something called an eCheck on the U.S.-based ACH (Automated Clearing House) network. This is a cool service, but be warned it doesn’t work for Canadian businesses, and they usually insist on holding back a certain amount of money for a designated time period until you become a more trusted merchant. Authorize.net and PayPal Payflow Pro also process ACH payments, but they will still charge a percentage instead of the low per-transaction fees Electracash charges.

The final one worth mention is 2Checkout.com. To be honest I don’t know much about 2Checkout.com, except they seem to be very simple to get set up and will work with very small businesses much like PayPal. They also offer their services to countries outside of the US and Canada.

In conclusion

I am a big believer in giving your customers an easy option to pay you because any barriers to payment you can remove will increase your cash flow and that is arguably the best thing you can do for your small business. If you want to get going immediately, PayPal is a great place to start. If you are ready for the next step, then take your pick of payment gateways that work seamlessly with FreshBooks.

If you are thirsting for more knowledge, check out the FAQ inside our help manual. Good luck, and happy collecting!

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  • Smiggins

    Thanks Levi for the payments info.
    What non-PayPal options are there for Australian based payments? Are there any other Australian based users that are accepting online payments without PayPay?

    Keep up the great work!

  • http://www.dtails.com Jens

    Hi guys,
    just thought I would throw a suggestion in there – have you considered Worldpay? They are also really good, and work with many currencies.
    Thanx, Jens

  • http://www.freshbooks.com/our-team.php#levi Levi Cooperman

    Hi Jens, yes we have actually looked into Worldpay and unfortunately I can’t for the life of me remember why we didn’t pursue them further. It is possible that the technology they use didn’t allow us to do recurring billing, so it wasn’t a good fit. Perhaps we should take another peek.

    Smiggins, I have heard rumors that VeriSign had an Australian based service, but now that they have been purchased by PayPal, I’m not sure of the status.

  • http://www.mastermynde.com Leif Jason

    It would be incredibly useful if you updated the ‘Compare Payment Partners’ page here:
    http://www.secondsite.biz/Partners/Compare-Payment-Partners/

    It’s pretty relevant, but the data is from 2004 – I’d imagine it’s changed a bit since then.

  • http://www.eventznet.ie Sarah

    Hi guys – any movement on the inclusion of Realex in FreshBooks? That would give us European users a much better chance.

  • http://www.hyndmanlaw.com Rob Hyndman

    Great piece, Levi – very helpful.

    Just a note – “accepting online payments” and accepting credit cards are not entirely synonymous, of course. :)

    The cheapest way I’ve found so far is interac email money transfer:

    http://www.certapay.com/en/

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  • http://www.freshbooks.com/our-team.php#levi Levi Cooperman

    Hi Leif, yes this secondsite.biz page is a great page and definitely outdated. I’ll pass your request on to the powers that be.

    Hey Rob, yes email money transfer is very cool (and only in Canada). One of the biggest limitations I’ve found is the cap at $1,000 per transaction. I don’t know why the banks don’t just up that to $5,000…what can you do with $1,000 these days anyway? Perhaps that would put all the payroll direct deposit and wire transfer services out of business. If only I was on TD’s board of directors 😉

  • Christopher

    You mention PayPal Pay Flow Pro has not been as reliable since they took it over, how so?

    What types of problems have you run into? I recently upgraded our account to PayPal Pay Flow Pro, but very new to using it.

  • http://www.freshbooks.com/our-team.php#levi Levi Cooperman

    Hi Christopher,

    PayPal PayFlowPro is a great product. Its just been down a few times since PayPal took it over and their support hasn’t been great. You can read about it in these posts:

    http://www.freshbooks.com/blog/2007/10/12/paypal-worst-support-ever/

    http://www.freshbooks.com/blog/2007/10/02/paypal-payflow-pro-down-agin/

    http://www.freshbooks.com/blog/2006/06/27/paypal-has-dropped-the-ball/

  • Jeff Koffel

    Just thought I would chime in on Pay Pal & accepting credit cards.

    So far It has worked out well in our testing and I’ve had a couple of clients take advantage of it.

    One client paid their $450 invoice using their AMEX card and the service charge amounted to ~$13.50, or ~3%. In Oregon we do not have a sales tax so we’ve repurposed the custom tax field for use as a “courtesy fee” for credit card use.

    So far we’ve not had any complaints about the 3% fee for using their plastic. The only problem we have is knowing in advance if they plan to use a card.

    One request from us would be for FreshBooks to offer an automated way to include a credit card courtesy fee. If setup properly, the client could then simply agree to the fee at the time of payment, then a new total would be calculated to reflect the additional fee. Just an idea!

    Keep up the great work folks!

    Cheers!

    —Jeff

  • Dave

    jeff,
    You should reconsider your “credit card courtesy fee”. It is against VISA and MASTERCARD regulations. If someone complains to VISA and MASTERCARD you could loose your merchant account!!!!!!!

  • http://www.ddandhservices.com John Vickers

    I’m a PayPal Premier Business client and for the most part I’m a very happy camper. In the past I’ve had 2CO accounts as well and all I can say about them is that they are mostly setup for “real goods” and not services. Whereas in my case I sell no good and only services.

    Now, as a Freshbook user I’d like to be able to set up auto-billing, to clients credit card, recurring payments. From what I read to do this my choices are either open an account with one of the accepted payment gateways and get a merchant account (which I do not want) or use PayPal’s Website Pro gateway. Ok so off I go and check the later out only to be shocked that their not interested in my business unless I do $3K with them monthly.

    At this point I’m scratching me head wondering why I can’t do recurring billing using that feature in my established PaylPal Business account? And I’m hoping someone will explain that to me because I’m presently scatching my head trying to make sense of this.

    Thanks for reading.

    PS: To Jeff and your “credit card courtesy fee”. I agree with Dave that it’s against both the VISA and MASTERCARD merchant account policies but I also know that it’s widely practised in for example the computer business. I’ve no idea how these companies get away with it. When I buy computer equipment for my business use wholesale and use a credit card I’m charged 3% more to cover the merchant account expense. None of these business’ hide that they use this practice – they spell it out in Newspaper and TV ads.

  • http://www.freshbooks.com/our-team.php#aaron Aaron Adams

    I know the way they get around it, mostly, is to advertise “cash discounted” prices. Those prices are discounted 3% from “regular price,” and if you pay by credit card, you pay that regular price.

    The thing is, this—and service charges in general—the whole idea of it seems really deceptive. If I want to pay by credit card, I want to pay by credit card; you should accept my credit card and work it into your cost of doing business, or not accept my credit card. The in-between has always seemed very odd, and it smacks of amateurishness a little.

    That’s just my opinion, of course. But I do tend to avoid those places.

  • Smiggins

    Re the “credit card courtesy fee”: in Australia, merchants are legally allowed to pass on the credit card merchant fee to the consumer.

    See http://www.fairtrading.nsw.gov.au/shopping/usingcredit/creditcardfees.html

    Some of our major utilities do just this, charging an extra 1-2% if an account is paid by credit card. Of course, when this was introduced the merchants did not reduce their non-credit card prices, they just slapped the extra cost on top!

  • Smiggins

    Re JOEL’s comment: I don’t see how paymate.com integrates with FreshBooks. As a separate payment channel, sure, but wouldn’t you have to manually enter payments? Not much advantage there.

  • http://www.freshbooks.com/our-team.php#aaron Aaron Adams

    Right… thanks Smiggins, I’ve marked his comment as spam, which I guess it was! Sorry for missing it, I’ve now subscribed to all blog comments so as not to miss that stuff again.

  • http://www.freshbooks.com/our-team.php#aaron Aaron Adams

    Ah, and interesting about the Australian law. That’s actually sort of a shame, as a credit card user… but I’ll do as I’ve always done and continue to vote with my wallet, I suppose.

  • Mike Mockus

    After several clients had trouble paying us with pay pal (they received the infamous obscure error messages that don’t tell you anything), I ran across the site paypalsucks.com, and I found their readers choice pay pal alternative, http://www.merchantinc.com/. We were already in the process of setting up an authorize.net account, but they required tons of paper work. We signed up at marchantinc.com, as part of that setup they give you a linkpoint.com gateway account, a merchant account, and everything else you need, all in one electronic application processes. The LinkPoint gateway integrates seamlessly w/ FreshBooks, and in our first month of having it, and no more mention of Pay Pal on our Fresh Books pages, we’ve seen a big jump in credit card payments. It’s worth the time and trouble to move.

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  • Matthew Hunt

    another good resource for payment processing in Canada would be:
    http://www.canadian-merchant-account-services.com

  • Danielle

    There are many options out there other than PayPal that can integrate with several software systems and certainly lower cost options. Take a look at this pricing comparison http://www.paysimple.com/competitors.html from PaySimple. It is one of the best references I’ve seen to compare the differing merchant account providers.

  • Fergal Brazel

    Can I add to the query from Sarah about REALEX.

  • nabil

    I’m in the Uk and have and use both worldpay/future pay and payal pro.

    Worldpay offers recurring billing through a service called futurepay. It has been around since the late 90’s and is one of the biggest payment gateways in Europe and one of the only recurring payment options in Europe. It’s a pain to get an account though and they hold your money for a month until you’ve had your account for awhile and fight with them. They also charge for transferring funds to your bank and for refunds.

    Paypal Pro in the UK has just added the recurring billing. You can change payment amounts, dates, billing cycles and credit cards. It’s not got the best interface but it does work fairly decently if not intuitively. I have not been able to quite understand the difference between pro and flo though and where one works and one doesn’t.

    Does payal pro in the UK work with freshbboks?

    Excuse my ignorance on this question, I”m new to Freshbooks and don’t understand how the payment process works. How do the customer’s payment details get into the system – ie, how does the customer input their credit card details or paypal account?

    We sell subscription services online and most payments are taken online. Can I use a shopping cart to sell the services. One which then creates an invoice in freshbooks and collects payment thru paypal and creates a sales receipt . And continue to do so and update freshbooks?

    Tks

  • http://www.freshbooks.com/team/aaron/ Aaron Adams

    It’s currently unsupported, because we have no way to test it ourselves in a hands-on fashion; but I know if you enter your PayPal Website Payments Pro UK information in your FreshBooks settings under PayPal Manager, with “PayPalUK” as the partner, it should work! I’d recommend at least experimenting with it, assuming you already have the PayPal account.

  • Jeff Namnum

    Hi guys. Any timetable for Google Checkout support?

  • http://www.pace-optimisation.com Cameron Saunder

    HI all, I just wanted to throw my 2-bob in for supporting the Australian Paymate service (for Oz users) as an alternative to PayPal. Better rates, good support (you can speak to someone there) and robust.

  • http://www.internetpronto.com Orlando

    Thanks Levi for the payments info. Very helpful!
    Regards,
    –orlando
    http://www.internetpronto.com

  • Wes Davis

    I just have to chime in and say I second that about Paymate for Australian users. I love using Freshbooks, but my clients have a lot of trouble figuring out how to use the Paypal payment page – the credit card link is tiny!

    Paymate on the other hand is awesome in the respect that they make it easy for people to use credit cards, and their support is 1000% on Paypal in my opinion.

  • LilyFlor

    I’m currently using Payoneer to receive payments. Very convenient for me and my client. Hope we could integrate this here in Freshbooks.

  • http://zibnet.com Robert Martin

    I would like to use online credit card processing yet I already have a Moneris account. Is there anyway to use or transfer that account so that I can use it in your system?

    Robert

  • http://www.freshbooks.com/our-team.php#levi Levi Cooperman

    HI Robert,

    At this time we don’t support Moneris. If you want to get setup with a gateway we support in Canada, you could try contacting PSiGate (http://www.psigate.com). I am guessing you could keep the merchant account you have, but they will let you know if that is the case.

    – Levi

  • Dave

    Levi,
    Any updates on WorldPay?

  • Justin

    Australias biggest payment gateway is eWay. We use them for our online stores. If you want to add a real payment gateway provider for Australian users go for eWay. Apparently the API is easy to use for you developer types…

  • Nashad

    Another payment gateway for australia is SecurePay (www.securepay.com.au). It allows periodic payment. trigger payment, one off payment …. plus they have XML API to achieve all of this and they are PCI compliant….I think it would be really great if FreshBooks implemented the payment gateway as it will give a more cheaper and better options for us to get auto payments

  • http://www.pcl-consulting.com Carl

    Just adding my voice for the requests for Google Checkout and Amazon Payments.

  • Mike Kingsley

    I would like integration with Google Checkout also.

    Thanks!

  • John Hobart

    Just signed up, we’re using Google Checkout (after leaving Authorize.net because we got sick of the monthly recurring fees in addition to the percentage and the per-transaction charge). Google charges 2% + $0.20 per transaction.

    I made the assumption that Google Checkout was covered. Unfortunately I don’t know if Freshbooks will remain an option if Google Checkout is off the table.

    Any news there? I see a few posts but nothing back from Freshbooks.

    Cheers –

  • http://www.freshbooks.com/our-team.php#levi Levi Cooperman

    Hey John, Mike and Carl,

    Thanks for the comments. Wow, sounds like it is definitely time for us to add Google Checkout. I will check where it lies in our product roadmap and get back to you soon.

    thanks for the feedback,
    Levi

  • https://craconsulting.freshbooks.com/ Chris

    Hey, Guys! I’m new to this game, and am looking for a bit of advice regarding payment. I work for myself as a consultant, and have a single client. They refuse to do direct deposit for consultants, so I’m looking at online credit card payment. Is it worth it? Once a customer makes a payment online, how are those funds then transferred to your bank account?

  • http://www.freshbooks.com/our-team.php#aaron Aaron Adams

    Chris, I might recommend you check out our guide to accepting online payments. We usually find it’s more than worth the 3% or so in surcharges because getting 97% of your money FAST is still way better than getting 100% of it slow, or worse, never at all!

  • http://www.wolfsnap.com/smugization David Wolf

    I’d sign up for Freshbooks in a New York minute if you guys supported Google Checkout! Until then… It’s BillingOrchard.com

  • http://matthollingsworthphoto.com Matt Hollingsworth

    I have been a Freshbooks user for over a year and love it. However, I just signed up for a merchant and gateway service, thinking it was supported by FB, but I guess I didn’t do my homework very well.

    Any plans to support Elavon in the near future?

  • http://www.freshbooks.com/our-team.php#levi Levi Cooperman

    Hi Matt,

    Thanks for the support.

    We don’t have any short term plans to support Elavon. May I ask why you chose that gateway over others like Authorize.net, Linkpoint or Payflow Pro?

    – Levi

  • http://letterblock.com/ Joshua Paine

    This article is hugely in need of an update. Much of the PayPal information is no longer correct.

  • http://www.freshbooks.com/our-team.php#levi Levi Cooperman

    Hi Joshua,

    Which PayPal information is out of date? As far as I know most of it is still valid.

    – Levi

  • Alicia Connolly

    Freshbooks Newbie here!

    Living and working from the USVI I would like to know what my credit card and ACH processing options would be. Any help would be appreciated.

    Thanks!

    Alicia

  • http://www.tldstudio.com Nate Beck

    I would also like to use Google Checkout.

    Thanks.

  • Aldimir

    Hi I use alertpay as payment option.
    How can I integrate that with my freshbooks?

  • http://www.freshbooks.com/our-team.php#levi Levi Cooperman

    Hi Aldimir,

    Currently we are not integrated with Alertpay. If you already have a merchant account, you could likely use that merchant account and get an account with a different gateway that we are integrated with such as Authorize.net, Linkpoint, iTransact or Payflow Pro.

    – Levi

  • Harald Drews

    Is there any use of “Worldpay” possible since we are merchant with “Worldpay” and wish to integrate Worldpay to your Fresh Book Software/System. Thank you.

  • teej

    @Joshua: i think they might be referring to the Website Payments Pro info. PayPal now allow WPP to do recurring billing, whether or not it’s gonna work for Freshbooks is up to you though.

  • http://www.thegiftcardcafe.com/joinCart.php Gregg

    Hi Levi,
    All this is great info about the different merchant accounts…but what would you recommend for your smaller businesses, who can’t or don’ t want to carry a true online merchant account, and haven’t had great success with the Free PayPal at least with respect to online gift certificates?

  • http://www.freshbooks.com/our-team.php#levi Levi Cooperman

    Hi Gregg,

    Sadly there aren’t many online options for the smaller businesses that don’t want a merchant account. I normally would recommend PayPal, but if you don’t want to use PayPal, you could try 2Checkout. They are quite popular around the world for small merchants.

    Hope that helps a bit,
    Levi

  • julian miller

    how about cybersource? i think they own authorize.net or the other way around.
    thanks
    julian

  • http://www.freshbooks.com/our-team.php#levi Levi Cooperman

    Hi Julian,
    Cybersource has always been an option for us, but we don’t get many requests. Are you using it?
    – Levi

  • http://moxiedesignstudios.com Joelle

    Count us in for the request for Google Checkout. It’s much more economical for small business owners and my clients are getting tired of only having Paypal as an option.

    Is there a timetable for this yet or any feed back from Freshbooks on Google Checkout?

    Anyone? Anyone? Bueller? :)

  • http://www.freshbooks.com/our-team.php#corey Corey Reid

    Hi Joelle

    We have definitely heard our users voting for Google Checkout, and I’ve added your vote to the tally. There is no timetable on this as we don’t comment on unreleased features.

    But we hear you, and we think it’s a great idea. Hasn’t happened yet, but it’s definitely on our list.

  • jaf

    I know FB puts a lot of effort into continually improving product. Judging from all of the posts here and else, I would suggest that the top 3 feature requests are:

    1. Google Checkout
    2. Google Checkout
    and
    3. Google Checkout

    Please?

  • http://www.g2s.com Dennis Gannon

    There are many other payment providers so people aren’t mis-led to think PP is the only one.

  • Nathan Moss

    Just throwing in another request for Google Checkout. Maybe it will make the top 4 requests now. I’m probably going to hold out on Freshbooks until I see it integrated.

  • http://www.thinksynergy.co.uk Jim Sefton

    I have just gone round the houses with 2checkout refusing to allow me to use freshbooks with my 2checkout account (apparently they only support products purchased from your site… apparently freshboks is jost not an option).

    This leaves paypal (which I and my customers dont like).

    Please please please sort out Google Checkout… I will sign up when that is in place, for sure!!!

  • http://www.thinksynergy.co.uk Jim Sefton

    Just a note to say Levi (Freshbooks) ironed this out with 2CO for me… great job Levi, I really appreciate it!

  • http://simplewebworks.com Mark Romero

    Another vote for Cybersource.

  • http://dbmethod.com gera

    Please add support for Google Checkout.

  • Andrew

    Another request for google checkout in the UK please

  • steve

    google.checkout

  • Vince

    I do all my CC transactions via Beanstream.com in Canada. They have a fully published API. This is what I need access to from Freshbooks.

  • http://www.centralconcepts.net Michael

    Is there any update on Google Checkout?

  • http://www.npwrweb.net Calvin

    Still awaiting access to GOOGLE CHECKOUT, wuts going on? Lets get this on here!!!!!!

    Thanks,

    Calvin

  • http://www.visualrhythm.net Andrew Bergeron

    I want to cast my vote for Google Checkout integration. This would be the sell to get me to sign up for Freshbooks. I’d imagine it would make paying an invoice work in less steps, similar to the Authorize.net sample shown in the “When Paypal Doesn’t Cut It” blog post.

    Please integrate soon, I am looking forward to using Freshbooks.

  • http://www.paymentintegrators.com JP Garza

    Google Checkout is going away soon. The PayPal/Google war is almost over and PayPal won.

    What is the attractiveness of Google checkout that everyone is looking for. A convenience fee model with a standard processor would be a better fit

  • Franco

    Hi, I read the posting further above about merchantinc. Is it a valid option for non-US countries? How does it integrate with Freshbooks?

  • http://www.allenlawcorp.com Sean

    I would also appreciate some confirmation of merchantinc.com. It just sounds too good to be true, so what’s the catch?

  • http://www.g2s.com G2S.COM

    If a provider sounds too good, make sure you check “All” the fine print. Because there are always fees that some won’t mention up front. Talk to several before committing.

  • ssthormess

    Hey, you can’t work with AlertPay? :(

  • http://www.clarityaccounting.com Dobes

    BeanStream support might be nice – support a fellow canadian company. Their support is really great and friendly.

    I’m switching to them from WorldPay because WorldPay basically sucks majorly. WorldPay has a terrible user interface for both customers and merchants, and we received several complaints about them from our own customers. Their system is even less flexible than PayPal … stay away!

  • Mark Harley

    Worldpay please……. I bank with HSBC and they don’t support any of the others you have listed. Please cater for us too on the other side of the pond.

  • Marc Almond

    As UK user, anything except PayPal please

  • http://www.designsbytierney.com David Tierney

    LOWEST MERCHANT RATES – $10 – $20/month plus transaction fees.

    I am a freelance web designer who uses Freshbooks for my invoicing. I read this page and researched what was out there, looking for the lowest rates for a merchant account coupled with Authorize.net as the payment gateway. I started with PayPal, but wanted to offer my clients a smoother payment process.

    The best deal by far, and who I currently use and like has a one-time set up fee of $39, only $10/month in statement/gateway fees plus $10/minimum. That is $20/month if you make no transactions, versus the more common $50/month. They have lower fees because their business model works with customer volume based on lowest fees.

  • http://www.designsbytierney.com David Tierney

    Can’t get this to post the rest.

  • http://www.designsbytierney.com David Tierney

    Can’t figure why the post is not taking. Maybe the phone number is an issue. So go here to learn more and get a contact number: http://www.designsbytierney.com/merchant-account-lowest-rates.html

  • drevange

    Commenting on an earlier post – yes your PayPal information is out of date. PayPal WPP does indeed offer recurring billing.

    Please add this as soon as possible to make life simpler.

    Thanks

  • http://www.g2s.com Dennis Gannon

    There are a lot of Payment Providers that offer the same solutions as PP but don’t involve some of the time consumming steps. http://www.g2s.com/en/reg-form.mhtml

  • http://pcsolotto.blogspot.com/ charmist11

    Very sad, that Philippines have very few options…I wish there’s a good one available for our country yet doesn’t have lots of fee. I spent days looking for one,

  • Trevor

    Time to update this article to reflect some of the changes that have occurred since October 2007 (e.g. Google Checkout, etc…)

  • http://www.macquarieit.com John Singh

    Hi.. May I also cast my humble support for Paymate. They are the ideal platform for Australian users such as ourselves and many alike… Your support with Paymate integration would be highly appreciated…

  • http://www.gannon-gannon.com DM Gannon

    I recommend Gate2Shop because everytime I’ve changed my shopping cart they had an integrated module available.

  • Jeremy

    Hi – Any updates on a module for Moneris? They are owned by RBC among others and is pushed pretty heavily.

    They have an API for e-select plus which I would think could be integrated pretty easily with FreshBooks.

    Jeremy

  • Nick

    Can’t you just allow a tailored link on the invoice so I can send customers to my own payment gateway. I can then use the Freshbooks API to mark an invoice as paid.

  • Scott Lambridis

    I work for a University-funded business that cannot have a merchant account, or accept credit cards. We need an online ordering solution that distributes actual paper checks at the end. Is there anything like that out there?

  • http://www.isonic.net.au Matt Jackson

    We need an Australian Payway that actually works – NOT PAYPAL – and their dodgy little link… eWay, PayMate.. there are a plethora of options. Outsource this to us and we can build it in for you! Either way, this is a critical, and judging by the comments, sorely missed function of Freshbooks.

  • John

    Two things
    1) I need to create sales receipts and an occasional invoice and then quickly bill my customer’s credit card. Does freshbooks allow me to create a custom list of items that i can save and access FROM the sales receipt (just like QB)?
    2) I want to export my income data to outright.com.

  • http://blahlab.com Andy

    Do you have any plan for integrating Payoneer?

  • http://www.WebMarketingMelbourne.net.au Cam Burns

    Thanks for the article.

    In Australia, Paypal does not provide “Website Payments Pro” until first quarter 2011 (around March or April) and even then they couldn’t give me prices.

    Paypals Payflow pro (for allowing recurring billing) is cripplingly expensive for small businesses. $500, setup, $136 monthly plus $100 setup for recurring billing, $27.23 monthly and then you still need a internet merchant account with your bank which is often a 2 year contract, $30 a month, $150 setup. It’s ridiculous.

    What options do I have as an Aussie for accepting credit card payments? Is paypal standard the only option?

  • http://www.mokisystems.com Bret Berger

    Elavon dudes. Just do it.

  • http://salesmaximus.com/ Adarsh

    Any worthwhile payment solutions for Indian users?

    Paypal is now no longer an option for Indian users.

    What about ccavenue? Do you think you can integrate ccavenue?

  • Matt

    MoneyBookers and Alertpay would be useful

  • http://www.renufeatures.org Renu

    For Indians, there seems to be no convenient payment gateway available. Paypal’s services are restricted, while Google Checkout is still not available. You should think of having some arrangement with ccavenue.

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  • http://ordersm.com Robert Lindsey

    There are some new services available now that may work better for small businesses that don’t want to pay the monthly merchant account fees. One is called Order SM. There are others like Yorder and Pago Pago.

  • http://www.poweredbysearch.com Dev Basu @ Powered by Search

    We’ve been a customer for over 3 years but unfortunately Moneris integration has been on the wishlist since day 1 but has never made it to Freshbooks. Guys don’t be like 37signals and not listen to your users. It’d be super awesome if you could integrate Moneris!

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  • Grant Ansel

    Is Freshbooks PCI compliant? I didn’t see this anywhere on the website, but perhaps I missed it. Thanks!