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Top Rated 3rd-Party Merchant Account Service Providers

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Why choose a 3rd party over regular merchant account?
Number one third party merchant account!


Good service, we like this one the for small online stores, recurring sales, and web hosting companies, we use it here at Lionsites!
  • $49.00 one time Setup Fee
  • $0.45 per Transaction/5.5% of Transaction Amount
  • 30 Day Money Back Guarantee
  • No Application Fees, No Monthly Fees, No Statement Fees
  • No Maximums or Minimums
  • No software to buy
  • FREE Use of Guarnateed Secure Server
  • FREE ACH deposits to US or participating Canadian bank accounts.
  • FREE Check Payment or Low Cost Wire to Non US Bank Accounts
  • FREE Shopping Cart!
  • FREE Code For Your Site and "buy now" buttons
  • FREE Online Tech Support!
  • Customizable Payment Page with your own header and footer*. See below.
  • Recurring billing supported
  • Services or products, subscriptions and downloadable products supported
  • Bi-WEEKLY money settlement, electronic transfer into your bank account.
  • All major credit cards and 12 currencies accepted
  • e-check included!
  • Ideal for new or small websites with sales totalling < $1000/month! If sales increase, switch to getting your own merchant account (sales or no sales $45+/month average).
  • Super easy to set up on your website!
  • Our easy 5 step shopping cart is preconfigured for 2checkout

*See an example of a website that uses 2checkout! Click on the link below, then on the order button and see how beautiful the 2checkout.com interface integrates with your existing website because of the ability to add your own header and footer: http://www.minority-scholarship.net/order.htm

View an actual email order confirmation (sales receipt), done while in demo mode.

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Even non-members can now check out quickly in Paypal, using their credit card!

PayPal: The Grand Daddy of Online Sales Transactions

PayPal makes it easy for anyone to take payments over the Net with no need for a merchant account. What that means to you is lower fees and a level playing field. If you've been hesitant to start your online business because you thought you couldn't afford your own merchant account, PayPal is all you really need.

There are three types of PayPal accounts:

1. Personal: For your personal shopping use. You cannot accept debit or credït card payments, but sending and receiving monëy is frëe.

2. Premier: For buying and selling under your own name. Send payments for frëe, with low fees for accepting monëy.

3. Business: This is perfect for your online business. Add your own name to be included on your customer's credït card statements. Sending monëy is frëe, but you are charged small fees to accept payments.

There are no set up fees and the fee you pay PayPal when accepting cash is based on your sales volume for the month.

Standard Rate: $0 to $3,000 - pay 2.9% and .30 per transaction
Merchant Rate: $3,000 to $10,000 - 2.5% and .30 per transaction
$100,000 and up - 1.9% and .30 per transaction.

To apply for the merchant rate, you'll have to have one month of sales that meet the ranges above and fill out a short application to get approved.

Many of the options I'm going to point out to you are for "business accounts" only, so you'll want to go that route when registering or upgrade your current account to that level.

Paypal has added so many new features over the years, it's hard to keep up with just how powerful it is. I'm amazed every day at the variety of features that can make your life as an online entrepreneur run as smooth as silk.

  • Easy to implement - no CGI scripting necessary
  • No up-front costs - you'll have the same low fee schedule used when you receive other PayPal payments
  • Sell with ease - PayPal maintains detailed transaction records on our website
  • Improve buyer experience - with customizable buttons and secure payments, happy customers become repeat customers
  • Subscriptions and recurring payments
  • NO setup fee
  • NO monthly fee
  • 1.9%-2.9% + $0.30 fee per transaction, depending on type of account and amount of business.
  • Our easy 5 step shopping cart is preconfigured for Paypal

Let's take a look at some of these options:

1) Shopping Carts: If you sell multiple items on your site, PayPal has a built in shopping cart. Just copy and paste their buttons for an immediate store front. No third party software needed.

2) Subscriptions/Recurring Payments: If you sell a service that needs to be paid for monthly, you can set up this type of payment option on your site. This is great for trial periods and membership sites.

3) Donations: Maybe you don't sell anything, but you have a very informative site or newsletter. A PayPal button suggesting your readers make a donation is one way to help defray your costs.

4) Optional PayPal Accounts: One of the drawbacks to using PayPal used to be your buyer had to register for their own PayPal account. This is no longer true and you can select in your control panel to make it optional, not mandatory.

5) Customized Payment Pages: You can add your website colors and logo to PayPal's payment pages. You can create and save up to three different page styles for a seamless checkout process.

6) Logo Center: If you accept PayPal on your site you'll want to add logos to your website letting the world know. You'll find many shapes and sizes to use.

7) Invoicing: Send your customers detailed invoices via email. You can include detailed line items, descriptions, tax and more. You can save up to 10 customized invoices for later billing purposes.

8) Payment Request Wizard: Did you know you can add payment buttons to your Outlook and Outlook Express messages? This is a quick and easy way to get paid faster.

9) PayPal Debit Card: If you have a PayPal account you'll want to get a debit card to go with it so you can easily access your funds at at any ATM. The card has a Mastercard logo so you can go shopping and the monëy will come out of your PayPal balance. You can also use it to draw out cash from your account up to $400.00 per day. You'll also earn 1.5% cashback on your purchase.

10) Refunds: Anytime you receive a payment, you can easily refund it by clicking a button up to 60 days after the sale.

11) Mass Pay: Easily send payments to large groups of people. This would be an easy way to pay your affiliates if you run your own affïliate program.

12) Packing Slips: If you sell hard goods you can create packing slips for your shipments.

13) Shipping Calculator: Easily add shipping costs for your "buy it now" buttons or your PayPal shopping cart items.

14) Seller Protection Policy: If you meet their guidelines you can protect yourself from liability and PayPal will absorb the chargeback at no cost to you. Covers up to $5,000 on any fraudulent transaction and is for tangible goods only.

15) Auto Return: You set the url for your buyers to come back to after they make their payments. Great for setting up your download page for what they purchased and makes for immediate delivery.

Since eBay also owns PayPal, they've also integrated some pretty cool tools for eBay Sellers:

1) End of Auction Emails: When your auction ends, wouldn't it be nice if you could send a customized email with all of the details included automatically? Now you can. This is great for putting nervous buyers at ease when they are waiting to hear from you.

2) Auction Logos: If you want to offer an option in your eBay listings so buyers can pay you directly you can manually add a PayPal logo to do so.

3) Post Sale Manager: If you sell many items on eBay it can be a full time job tracking it all. With PayPal Post Sale Manager you can easily manage invoices, shipments, and feedback on everything you sell.

4) Shipping Center: USPS and UPS have teamed up with PayPal to offer you integrated service in one location. Calculate shipping costs, print shipping labels, track shipments and much more.

5) Buyer Financing: Add promotional financing to your "big ticket" items so your eBay buyers can more easily afford to purchase with monthly payments. Buyers are approved within 30 seconds and you get paid your full price immediately.

6) eBay Gift Certificates: Send eBay Gift certificates to your friends and family so they can buy anything on eBay as long as the seller accepts PayPal.

As you can see, PayPal is all you need to run your online business. If you thought all you could do was accept or send payments, you're missing out on the powerful features that makes PayPal the perfect business partner for any entrepreneur. And as partners go, that's one thing you can both agree on.

Go to Paypal website to learn more.

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Not bad, the price is low but we don't like the manual credit card processing.

  • Account application FREE
  • Annual Account Fee $35.00
  • Monthly maintenance FREE
  • Online reports FREE
  • Pay to an e-mail address FREE
  • Add Funds from bank account FREE
  • Process a credit card 3.5% of transaction plus $.35
  • Refund a credit card $.35
  • Pay to Bank Account $.35
  • Visa and Mastercard only
  • Online Payment Not automated, you need to enter the orders manually on their website
  • No "buy now" buttons
  • US Dollars only
  • No electronic check processing


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What is a third party merchant account?

A third party credit card processor is a company that can accept online credit card orders on behalf of you or your company. This makes obtaining a merchant account for your company unnecessary. The rates vary and there is a small setup fee but no monthly fees or gateway fees. Transactions happen on their website with a link back to yours. Many allow you to customize the payment page to look like your own website. This type of account is ideal for small online stores with minimal sales or for subscription type websites that need recurring billing such as web hosting companies.

What type of merchant account should I choose?

Any business that is just starting out and will not incur a lot of online sales yet, could consider a third party merchant account and then if sales pick up and maybe get to over $1000/month consistently, make the switch to a personal merchant account but do realize that this may result in extra web design fees or your website being down while changes are being made. So if you already anticipate a successful website and want to be set up right from the beginning, then don't pick a third party merchant account. See below the third party merchants or the top choice for your own merchant account

Third party merchant account review:

I am only recommending 3 good third party merchant accounts here because the rest of them are too expensive and are not worth looking at. The ones that are reasonable are 2checkout , Propay, and Paypal: Of all 4 plans we chose Paypal as our winner with its many options and now easier and faster checkout for non-members.


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Shopping Cart Software reviews
Merchant Account Service Providers reviews
Merchant Account Rates Comparison




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