Ok at the risk of sounding rather silly! are any of you offering your customers two psp options before they pay? We currently have protx/ sage pay and have just signed up to AP. We really don't want to get rid of either as you never know!! Do any of you have back up psp's if so how do you use this option?
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Its quite common to offer a backup payment method in case one goes down. PayPal is a popular backup as its free and some customers prefer using it. The difficulty with offering two 'proper' PSPs is distinguishing between them. Most shops label their PSP as 'Payment by Credit or Debit Card'. If you were to offer two, you would have to show the customers a choice between, say, SagePay and Actinic Payments - both brands names that mean little to most customers. Strangely, PayPal has a very high brand-recognition factor. -
Ive been toying with the idea of offering paypal. you are right alan about a trust worthy brand name, sage and creditcall are not names that customers have heard of. I know we should have two psp's in case one goes down, we have been using protx/sage for 5 years and we have had many nightmare days with them!
the question is would you offer joe public an option like:
"Click to here to pay securely with sagepay" or "click here to pay securely with actinic payments"
im worried it might scare them off!
or do any of you alternate with two psp's from one week to the next?Comment
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That's precisely what I was saying.Originally posted by Aby View Post
That could be a hassle and would look wierd for regular customers. I'd hate to try and do bank reconciliation of this.Originally posted by Aby View Post
The formula of PSP + PayPal has been mentioned often on this forum as a good compromise. PayPal has largely shaken off its amateur status, as long as that isn't the only payment option.Comment
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As Alan mentions the most common combination is a PSP with paypal
some people have signed up with another PSP just in case their primary psp has issues. ideally you dont want to have just paypal even for a short amount of time
if your previous psp had several problems then ditch them in favour of the recent one.Comment
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ok i understand it would not be a good idea offering customers 2 psps (unless we offer paypal) but im still keen on having sage and AP. We have many customers who dont like to pay via paypal and therefore we need an alternative "real" psp.
The problem with ditching either Sage or AP is either can have gremlins on any given day which equates to a loss of orders. So you really need a back up psp, we will just have to keep it as an insurance policy of sorts!Comment
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Aby, why not keep both of them, make a note of the settings, but only have one offered to your customers at any time. Then the choice can be "Credit or Debit card" and "Paypal".
If you get a problem with one, then configure the other, press upload and off you go.
I agree you shouldn't offer a choice to the shopper.
ChrisComment
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Does anyone know if it is possible in Actinic to automatically assign one of two PSPs to the customer based on their shopping cart total and preferred credit or debit card choice?
Reason this may be useful is for small value transactions under a certain limit, where a debit card charge (eg 35p) would exceed the equivalent credit card charge (eg 3%) for payment through a particular PSP. In this particular case, transactions under £11.67 would be cheaper to process using a credit card rather than debit card. For very small transactions (eg £0.79 for one mp3 download) 35p debit card is very large compared to 2p Visa card.
How could you assign a surcharge, only if a customer chose to pay with debit card, or not allow debit cards for small transaction values?
Any other experience of specialist PSPs for very small value transactions?Kenny Fraser
http://kennyfraser.comComment
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