What is your favorite payment processors that you use on your websites?
I personally like paypal a lot. It is so easy to integrate on your site and their protection against fraud is highly effective, although not perfect. I do get chargebacks from paypal once in a while (they charge $25/chargeback) but the rate is relatively low compared to those that I get from 2Checkout or authorize.net.
I give a D to 2Checkout. They are such a pain to deal with. They keep changing stuff in their system and breaking websites without informing their sellers. Whenever you call their tech support, they always argue that it is your fault that your site isn't working and offer very little support.
Authorize.net is ok but you have to do the fraud prevention yourself. Authorize.net is just a payment gateway and not a payment processor which offer some fraud protection. With Authorize.net, you are on your own and you must implement or turn on your own security checks.
They are limited in US and so on their scope for the moment, It is good for their advertisers as google checkout is tied into Adwords, and providing google advertisers with a discount. Paypal is still 1st preference to many ppl it is hard to beat them I think. BTW ChronoPay.com is our favourite they have robust fraud protection system, their charges are lowest and offering excellent 24/7 service.
I'm glad you pointed out that Authorize.net is only a gateway and not a processor as many people are confused by that. Authorize.net is useless without a true merchant account.
If you are really concerned about fraud control Authorize.net does offer good fraud protection. But Verisign probably has the most comprehensive fraud protection suite available. You pay for it (they aren't cheap) but it is thorough.
But anyone concerned about fraud should rely on the best source of fraud prevention: your brain. The vast majority of fraud can be weeded out by paying attention to your orders and looking for suspicious activity. For starters, there are some countries that have very high fraud rates. You should never do business with customers in those countries. If you do you have to accept fraud as part of your business model. Also, verifying large orders, unusual orders, or orders that fail AVS and/or CVV2 checks should be a standard part of your business practices.
Earlier it was paysystems. One of the best 3rd party processors for international providers like us. And after they closed down, I'm stuck with paypal and it's 21 days delayed checks.
Of course Bank wire would be the best option for larger payments.
i use paypal normally but i have used 2checkout and they are very hard to deal with as it is difficult to get all the links to banks set up and anything that goes wrong is seen to be your own fault
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