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Use this ready reckoner to calculate and compare the fees and processing options from PayPal, SagePay, ChronoPay and RBS WorldPay.

PayPal SagePay RBS WorldPay ChronoPay

A detailed FREE analysis and recommendation will be given, based on your answers below.

Expected number of transactions per month
Average transaction value £
Are you registered for VAT?
Do you have an existing merchant agreement with a card acquirer (e.g. Streamline, BMS)?
If not, do you expect to be able to get one easily

Which card acquirer do you (expect) to use?

If you have or expect to get a merchant agreeement, what percentage do you pay on your transactions?

(Note that their fees for processing Internet transactions may be slightly different from over-the-counter transactions)

 %

Is there an additional monthly fee for processing Internet transactions?

(Do not count existing fees for non-Internet transactions)

£

In how many currencies do you wish to take payment:

Note that services that integrate with your existing card acquirer will require you to have accounts in each currency you accept.
Do you want your shoppers to be able to see prices in their own currency?
If you are taking payment in foreign currencies and displaying prices on your site in those currencies, how important is it to eliminate exchange risk for you and your shoppers?
One service holds on to your money for around 45 days before you receive it. Is this ?
Are you in an industry that the card acquirers traditionally regard as high risk such as gambling, pornography, weapons, drug paraphernalia, event ticketing or charging for web site access?
Is it important to you to be able charge your customers' cards a bit at a time as you part-ship their orders?
How important is it to you that the company you deal with has a good reputation for dealing with disputes and problems?
 

 

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