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2CheckoutBarclays ePDQGoogle CheckoutHSBC Remote GatewayPayPal StandardPayPal Express CheckoutPayPal ProProtx VSP FormProtx VSP DirectSECPay/PayPointWorldPay

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Built-in or extensionExtensionExtensionBuilt-inExtensionBuilt-inBuilt-inBuilt-inExtensionExtensionExtensionExtension

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Form or API-basedFormAPIFormAPIFormFormAPIFormAPIFormForm

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Extension freeFreeFreeFree$45 USDFreeFreeFreeFreeFree£75 GBPFree

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Setup fee$49 USDYes (on application)No£200NoNoNoNoNoNo*£75*

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Monthly feeNoneYes (on application)No£20NoNo£20£20*£20*£10**£15*

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Transaction fee5.5% + $0.45 USDYes (on application)1.5% + £0.30Yes (on application)3.4% + £0.20*3.4% + £0.20*3.4% + £0.20*No*No*£0.39***3.35% + £0.15*

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Accepted cardsVisa, Mastercard, Discover, American Express, Diners Club, JBCVisa, Visa Electron, MasterCard, Solo, JCB, Amex and Maestro.Visa (including Visa Electron), MasterCard and Maestro (including Switch/Solo)Visa, Mastercard, Switch/Solo and American Express.Visa, Visa Electron, Mastercard, Maestro, Solo, American ExpressPayPal only.Visa, Visa Electron, Mastercard, Maestro, Solo, American ExpressVisa, Visa Electron, Mastercard, Maestro and Solo.Visa, Visa Electron, Mastercard, Maestro and Solo.Visa, Visa Electron, Mastercard, Maestro, Solo, Diners Club, JCB, American ExpressVisa, Visa Electron, Mastercard, Maestro, Solo, Diners Club, JCB, American Express, Laser, ELV

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Payment form customisableYesN/ANoN/AYesYesN/AYesN/AYesYes

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PCI DSS compliance requiredNoYesNoYesNoNoYesNoYesNoNo

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Arguments forTransfer 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.
Payment form fully customisable.
API-based payment gateway for seamless user experience. Barclays is a highly reputable banking institutionThe 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.API-based payment gateway for seamless user experience. HSBC is a reputable company.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.
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.
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).
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. Payment form fully customisable.Same as Protx VSP Form but customer stays on Magento site throughout checkout.No setup fee for Lite package or Pro. First 100 transactions free with Lite package. Payment form fully customisableCan 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. Payment form fully customisable.

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Arguments againstAs with all form-based payment gateways the customer is redirected offsite during the payment process so the whole checkout experience could be considered worrying to inexperienced or ignorant customers who are unsure of which PSPs are secure and reliable. 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.
PCI DSS self-certification is required. 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 its current version is 0.1.8 beta stability. The Google Checkout pages are not customisable in appearance.To accept debit and credit cards over the Internet [with HSBC], you will need to have been banking 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.
PCI DSS self-certification is required.
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.
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.
PCI DSS self-certification is required.
£20/month on top of transaction charges.
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.
PCI DSS self-certification required.The Magento extension costs £75 to purchase. 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.
The charges are higher than competitors.

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Additional Magento infohttp://www.magentocommerce.com/extension/481/2checkout.com-payment-modulehttp://www.magentocommerce.com/extension/packages/module/530/barclays-epdqhttp://www.magentocommerce.com/wiki/using_google_checkout_with_magenhttp://www.magentocommerce.com/extension/652http://www.magentocommerce.com/paypal/http://www.magentocommerce.com/paypal/http://www.magentocommerce.com/paypal/http://www.magentocommerce.com/extension/143/protx-extension/http://www.magentocommerce.com/extension/163/protx-direct-payment-module/http://www.magentocommerce.com/extension/463/paypoint-secpay-professional-payment-module/http://www.magentocommerce.com/extension/302/worldpay-extension/

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Additional PSP infohttp://www.2checkout.com/community/about/http://www.barclaycardbusiness.co.uk/accepting_cards/phone_mail_internet/integrated/https://checkout.google.com/seller/features.html?hl=en&gl=GBhttp://www.hsbc.co.uk/1/2/business/cards-payments/secure-epaymentshttps://www.paypal.com/uk/cgi-bin/webscr?cmd=_wp-standard-overview-outsidehttps://www.paypal.com/uk/cgi-bin/webscr?cmd=_additional-payment-overview-outsidehttps://www.paypal.com/uk/cgi-bin/webscr?cmd=_additional-payment-overview-outsidehttp://www.protx.co.uk/packages_hiw_website.asphttp://www.protx.co.uk/packages_hiw_website.asphttp://www.paypoint.net/solutions/payment-gateway/http://www.worldpay.com/support/content.php?page=technical&sub=junior

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Notes* Variable - the rate reduces the higher the turnover* Variable - the rate reduces the higher the turnover* Variable - the rate reduces the higher the turnover* Small Business Services package. For Corporate Business Services package it is £0 monthly charge + £0.10 per transaction but only for over 1000 tranactions per quarter* Small Business Services package. For Corporate Business Services package it is £0 monthly charge + £0.10 per transaction but only for over 1000 tranactions per quarter* Special offer on now. Normally £50 setup fee. Need to apply through URL: http://www.paypoint.net/partners/deesonemedia (obviously an affiliate link and will make Deeson Media some profit).* Special offer on now. See URL: http://www.worldpay.com/business/offers/index.php?c=UK

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** Lite package. For Pro package it is £20/month + £0.20 or £100/month + £0.10 per transaction.

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*** First 100 transactions free