Startup-Focused White Label Options Modern payment facilitators, such as Payrix and Infinicept, offer white label solutions without any upfront fees and instead charge a percentage of the volume processed – usually 0.25% – 0.5%. These solutions allow you to fully control the branding-not letting your customers see any logos of the processor-and relieve you of […]
Architectural Distinctions PayPal Pro (the former name being PayPal Payments Pro) is an integrated merchant account solution while Payflow Pro is a gateway requiring independent merchant accounts. This fundamental difference affects everything from underwriting (business verification required for PayPal Pro) to settlement time (Payflow settles directly to your bank account, not your PayPal balance). Some […]
High-Risk Processing Capabilities Compared High-risk businesses are treated differently by Stripe and PayPal—whereas Stripe often just freezes accounts in prohibited industries, on its Pro plan PayPal gives much better but pricier processing support. With time, Stripe’s machine learning learns adjustments unique to each business model, thereby reducing false positives, while PayPal engages rock-solid rules that […]
Industry-Specific Replacements When Stripe denies your business line, you’ll have some targeted alternatives. CBD merchants head for PaymentCloud or GreenBox, adult content merchants to CCBill or Epoch, and gambling websites to Neteller or Skrill. The same developer-friendly APIs are used with proper industry underwriting. For instance, a high-risk processor, Durango, offers Stripe-like webhooks and documentation, […]
The Convenience vs Control Tradeoff Shopify Payments allows for simple, instant activation and one-off reporting but has stringent bans applicable to entire categories (CBD, vaping, firearms). Custom gateways (via Shopify’s third-party processor list) have some flexibility for industry changes, but require technical geekiness. SCA/3DS rules for any sales made to Europe are set up by […]
Navigating CBD Payment Challenges CBD retailers face unique processing issues since in most cases, banks in the United States refuse service in spite of the legality provided for it under the 2018 Farm Bill. Specialized gateways such as GreenBox and PaymentCloud CBD are using offshore merchant accounts with US routing in order to bypass limitations. […]
Cross-Border Capabilities Compared Braintree and 2Checkout, now branded as Verifone, attack the international payments landscape using totally different methods. Braintree works best in developed regions where direct-acquiring capabilities are local and valid in up to 45 countries, thus saving cross-border fees by over 1.5%. In contrast, 2Checkout prides itself on having a stronger arm in […]
Core Architectural Differences Authorize.Net is a legacy gateway owned by Visa, which is direct relationship bank associated, whereas NMI (Network Merchants Inc) is payment facilitator having integration with over 200 processors. Authorize.Net stands strong in advanced fraud detection suite (Advanced Fraud Detection Filters) and recurring billing suitable for subscription-based models. The NMI white-label option and […]
Pricing Model Comparison Worldpay (currently FIS) and Adyen have adopted opposite pricing strategies. While Worldpay blows a blended pricing option with 2.9% plus (0.5100, Adyen tends to be cheaper on most occasions, with the best effective rate ranging from 1.8 to 2.2%. However, Worldpay becomes a competitor on premium cards and high-ticket items. Non-card payments […]
Real-World Plugin Performance Metrics Stress tests have shown that Stripe for WooCommerce processes 98.7% of transactions within 800ms, while PayPal Standard has a redirect average time of 1.2s. Authorize.Net’s plugin adds almost negligible overhead (0.3s load time), but consumes a bit more on the server end. The Square plugin ranks very high for mobile responsiveness, […]