Hi, tmol-ga!
Thank you for your clarification. Here goes with what I've been able
to discover for you.
In India by far the most useful site I found was CC Avenue at:
http://www.ccavenue.com/overview_ccav.jsp
"CCAvenue is one of India's largest e-commerce solutions provider and
has
e-enabled hundreds Of Indian Websites. "
They claim "... All you pay is a one-time set up fee and Transaction
Discount rate on each transaction. There are absolutely no hidden
costs with CCAvenue. Here you have no need for elaborate software,
large databases and expensive processing capabilities at your end. "
Note prices are of course quoted in Rupees.
There is a 5% sales commission, a R20,000 Premium Set-up fee or a
R5000.00 Ecopnomy set-up fee, and a gateway annual rent of R2,400,
Wconomy R1200.
VCM Infotech is based in Mumbai (was Bombay), with co-servers in
Nevada.
222/ Shantivan, New Link Rd. Extn.,
Andheri (w), Mumbai 400 053
India
http://www.vmcinfotech.com/ecommerce.html
They say: accounts & payment gateways
"We offer some of the lowest possible rates available today for credit
card processing. Whether you're building a new business or expanding
an existing one, we can assist you here. No company is too small to
get a merchant account. We can help you irrespective of how small or
large your company is. For merchant accounts we have tie ups with
solution providers in the United States and India including
Authorize.net, ICICI amongst others....
We can also help you sell your products or services online without the
need for a merchant account. The discount rates are usually higher
here, in the range of 7.5-9 %. Almost all sites are approved within 2
business days. "
They do not seem to have their prices posted on their site.
All India claims to offer comprehensive services at:
http://www.allindia.com/
"Allindia.com provides e-commerce management and technology consulting
services that help companies build successful e-commerce businesses.
Our services focus exclusively on business-to-business and
business-to-consumer e-commerce. We take pride in being able to
enhance your business by providing professional e-commerce solutions.
Our goal is to be your partner in determining and implementing those
e-commerce solutions that best meet your needs and business
objectives."
Net Point India "is a dedicated and fully integrated IT solution
provider....Net Point is registered with STPI (Software Technology
Parks of India) "
http://www.netpointindia.com
Also in India Prekshana at:
http://www.prekshana.com/ebiz/e-business_services.htm
offer consultancy and training services.
and
http://www.indiaecommerce.net
is a general resource site for information about Indian ecommerce
providers.
For Hungary, the Budapest Business Journal
http://www.bbj.hu/user/faq.asp
has some general information, but I could not find an international
ecommerce provider such as you are looking for.
As for worldwide solutions such as Worldpay, ccnow and 2checkout, (as
I posted in an answer to boardy-ga some time ago,) I investigated a
number of these for my own company last year and finally came down to
two third party processor services, both based in the USA, whose costs
seemed reasonable. I then emailed a number of their overseas merchants
to see how happy they were with the service, and both showed up well.
They essentially act as your online retailer, which means problems
with fraudulent credit card use are their problems, not yours.
( Visit
http://www.merchant911.org
for information on the problems for online merchants.)
These provider's fees are not additional to any merchant card fee. We
have our own merchant account for local sales but use them for
overseas sales. Your prices displayed in US$ appear on the client's
account charged in US$. The conversion only comes in when the provider
pays you.
We eventually went with CCNow.
http://www.ccnow.com
They offer a shopping cart which is very simple to set up, they claim
to promote your site, and you have a lot of control over where and
when your money will be sent. The arrangement with them can be
terminated at any time - there is no contract length. They have a
monthly fee of US $11.95 which is for inclusion in their monthly
Promotional Programme: "Your Web site will be found in the search
results of over 125 of the top search engines including America Online
and Microsoft Network." I have to say looking at my stat log files I
cannot see any evidence of our being visited by search engines other
than those I have myself submitted to, but there may be overlaps.
Their other charges for non-US clients are: "Monthly Sales Volume
Retail Margin $0.00-$100.00 NONE $100.01 and above 11% of your total
sales in excess of $100.00 "
Note that: " During the initial 30 day trial period you will not be
charged a $9.95 monthly promotional fee ($11.95 monthly promotional
fee for International clients). You will be charged a flat 9% retail
margin (11% retail margin for International clients) on each sale made
through CCNow. "
However CCNow pays you interest at the rate of 1.5% APR on funds
sitting in your account. We felt their charges were more or less
offset by the GST free sales, and they seem very professional. Have a
look at their very strict returns policy, however, and see if that
suits you.
They do not accept "adult" sites and deal only in "tangible"
merchandise ie: "physical products that are shipped to the Online
Shopper's physical address". They state: "This policy helps CCNow to
maintain our low retail margin. Tangible merchandise incurs a much
lower rate of inquiries, disputes, and fraud than service-based sales
or electronically delivered products." They also do not allow sales of
such things as drugs, explosives, live animals and alcohol.
We were also impressed by
http://www.2checkout.com
which charges a US$49 Merchant Account Setup Fee , then $0.45 per
Transaction plus 5.5% of Transaction Amount. There are no monthly
fees. They boast: "FREE Check Payment or Low Cost Wire to Non US Bank
Accounts FREE Shopping Cart! FREE Code For Your Site FREE Tech
Support! "
They support recurring billing and do permit the sales of downloadable
products such as ebooks, music etc. Again there is no committment to a
term - you can leave them when you want. They accept cheques. They
have similar restrictions on the sale of animals, pornography, psychic
readings and firearms etc. but will provide information on how to sell
"hard to place products".
Another possible solution is Worldpay:
http://www.worldpay.com
They offer:
"Credit and Debit card processing through
WorldDirect
Complete range of ePayment solutions
eCommerce online store building with Click and Build
Integration to all leading eCommerce applications
Integration tools for your own eCommerce solution
Design consultancy and support
Dedicated support from hundreds of WorldPay Partners worldwide
WorldAlert for online fraud screening "
Multicurrency options are available through WorldDirect. A wide range
of cards are accepted. Prices vary according to the package you select
(with or without storefront, etc.).
Charges include:
"Setup Fee (non refundable) US$399
Monthly Fee - includes 3 free currencies US$50
Additional charge per currency US$75 Service charges per transaction
US$ to US$ and CAN$ to CAN$ 3.25%
Multi-currency Transactions 5.25%
Transaction Fee US$0.40
Fraud-detection service (WorldAlert) US$0.10, CA$0.15
Remittance Charges*
Remittance in any currency <$5.00"
http://www.worldpay.com/usa/index.html
Oddly enough, the charges in AU$ seemed to be cheaper, even allowing
for the exchange rate, so you may want to check it out against your
own currency.
For pricing, click on your region, then on "pricing" then on "World
Direct".
There are also additional setup fees for Future Pay and World Access
services.
You might also care to look at:
http://www.linkpoint.com
American Express, MasterCard, Visa, Discover, Diners Club/Carte
Blanche and JCB are supported, as well as electronic cheques. They
seem comprehensive, but much more complicated to set up and their
pricing structure is only available by contacting their sales
department, which always annoys me, especially when I get an
autoresponder reply.
A comment from msjoanna-ga to boardy-ga outlines Paypal, which is
popular, but has attracted some criticism recently: Msjoanna said:
"Depending on the volume of business that you expect, one system that
might work for you is Paypal. They will process payments for you and
provide some merchant protection. They aren't the best solution for
high-volume businesses, but are an excellent and relatively
inexpensive (competitively priced) solution for small merchants.
Drawback: customers have to be members to send payments.
Benefit: membership in Paypal is free for consumers and there is a
referral system"
I hope this is useful, and you find a provider to suit your budget.
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