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1.Enquire about their technical solutions
oTechnically your PSP must be capable of supporting all of your plans. To do this they should offer a variety [link widoczny dla zalogowanych] of ways to collect customer card details and process payments . These are often defined by your own technical expertise. It could mean providing a simple means of redirecting customers from your site to their hosted payment pages. Or maybe you require a way for you to authorise payments remotely. Whatever your requirement, [link widoczny dla zalogowanych] a dedicated PSP should have the solutions to meet it. One size does not fit all, so don?t let anyone persuade you otherwise.
2.Look for genuinely competitive rates
oCosts (set-up fees and cost per transaction) can vary greatly between competing PSPs, so you need to shop around for the best rates. A fixed monthly fee starts at around ?10, but there are some cheaper options available, starting as low as ?0.05 per transaction. As a rule of thumb, the higher your transaction volume, the [link widoczny dla zalogowanych] lower the unit cost.
oAnd remember to compare like with like. Ask if it?s [link widoczny dla zalogowanych] a complete solution with inclusive fees or whether you?ll be paying the bank separately on [link widoczny dla zalogowanych] top of that. Will the PSP with those ?oh-so-attractive? prices charge huge set-up fees for enabling services ? such as deferred payments, a virtual terminal, or subscriptions ? that come as standard with other PSPs?
3.Establish if there are any upfront costs
oThe real costs associated with accepting online card payments do [link widoczny dla zalogowanych] not start [link widoczny dla zalogowanych] and end at the rate [link widoczny dla zalogowanych] quote. Look beyond the headline figures and consider the overall long-term operational cost of partnering [link widoczny dla zalogowanych] with each PSP. For example, does the PSP have limited support for fraud management? The cost of flimsy security could do much more damage to your bottom line than any fractional differences in rates.
4.Manage reporting and administration facilities
oAccepting online payments is only one part of the e-commerce equation. As an [link widoczny dla zalogowanych] online merchant you need to make sure you can also manage them as efficiently as possible.
oWhich is why an effective PSP should provide you with the right reporting and administration tools to manage your merchant services? Will you have access to real-time transaction statements? Can you export valuable customer data? Is the reporting sophisticated enough to allow you to answer questions that can better target future sales. For example, how many MasterCards from Belgium were declined last month ? and when?
5.Enquire about their technical support
oA service is not a service unless it?s fully backed up. And a solution becomes a problem if there?s nobody around to explain or implement it. Indeed, [link widoczny dla zalogowanych] in business there?s no such thing as an ordinary day and ? all too often ? the unexpected does happen.
6.Find out if you would be protected against fraud
oWhen accepting card payments online, fraud is potentially the biggest threat to your profits. And the threat is mounting.
oYou can?t safely grow your business if your PSP isn?t ready to ensure that fraud does not grow too. So look for a PSP that provides fraud solutions that not only help eliminate the risks involved but also allow you to safely maximise acceptance rates. If a PSP does not have its own fraud solution, then the chances are that it hasn?t fully understood ? or care about ? the risks you will face.
oPSPs that can issue IMAs will have firsthand experience of managing chargebacks and therefore, will be proactive in offering solutions to limit this costly threat. In fact, any PSP worth a second glance will offer configurable fraud-screening solutions and authentication mechanisms, such as 3D Secure.
7.Make sure you can trust their services
oOnline, [link widoczny dla zalogowanych] the difference between a prospect and a customer is trust. People must feel that they can trust you with their card details. If it all goes wrong [link widoczny dla zalogowanych] and your customers? card details are compromised, then your reputation is at stake.
8.Look out for a full service history
oOkay, it?s not a car, but the principle is the same. You wouldn?t buy a vehicle [link widoczny dla zalogowanych] without proof that it?s reliable and the same goes for your PSP-to-be. Losing a sale is bad enough, but losing a sale because [link widoczny dla zalogowanych] your PSP is down or unavailable is a disaster that affects both your revenue and your reputation. And if your PSP were to go out of business altogether, your own business might be sidelined for days or weeks.
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