Still can't decide on a Payment System. Please HELP
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Outside of that, you could try to get arrangements with an escrow provider (like escrow.com) to handle the payment part of your transactions.
So had checked X.com - but discarded them. Because they don't work with credit card transactions yet - only PayPal. Which would mean at least half the transactions being lost...
I wrote a ruby active_merchant plugin to interface with ACHDirect - ping me if you want the source.
Recurly abstracts my gateway's API stuff and stores payment details so I'm not tied to my gateway - much like I wouldn't use a Comcast email address to have the freedom to change TV providers.
Worth a try. Note: I'm a potential customer of theirs and have no other affiliation.
I've used their services for several years now and they are in for the long haul and seem to be doing pretty good.
Warning though:
1) they're not cheap
2) the requirements are stiff, a lot of applicants get rejected
3) you'll need a Dutch BV to even begin the acceptation process, this will cost you a bundle. Even then the application may be declined (that's not their call, but the banks / PaySquares).
If all that hasn't scared you off yet drop me a line.
If 'barmstrong's solution works for the amount of the deposits you are looking at then that might be an easier solution.
Have you talked to your bank about this ? Have you talked to VISA ?
They might be able to give you pointers about which parties can handle the functionality you are looking for, they usually keep pretty good tabs on their IPSPs and gateways so they should be able to tell you.