Member Avatar for veledrom

Hi,

If I use Paypal, I don't need to implement any security features in my website. All happens in Paypal's website. (I hope what I am saying here is correct!)

What is the the difference between Paypal method and using normal banks like Barclays, Natwest, HSBS, RBS etc. Moneywise please. Do I have to also pay security companies to secure my page if I use banks.

Or should I use 3rd part websites like Sage?

Your opinions, what is the best option?

Thanks

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Hosted (redirect/hosted checkout) vs direct merchant account: hosted solutions route card entry to the provider so your servers never see raw card numbers. That usually narrows your PCI DSS obligations, but it does not remove them — you still must keep your site and integrations secure so an attacker cannot modify pages or intercept redirects. For the formal rules and SAQ guidance see the PCI Security Standards Council (PCI DSS). Since 2010 newer options (for example tokenized client-side flows) let merchants accept cards with much less integration work — see and PayPal Checkout for modern patterns.

What to compare financially: look beyond the headline percent. Compare per-transaction percentage, fixed-per-transaction fee, monthly or setup fees, chargeback and refund fees, cross-border/currency fees, and settlement timing. Banks/merchant accounts usually require paperwork and minimum volumes (as noted) and can offer lower unit costs at scale; hosted providers are faster to start but may have higher marginal fees.

Practical implementation and security checklist: always serve customer-facing pages over HTTPS and follow current TLS guidance (). Test thoroughly in sandbox mode, verify webhooks/IPN signatures on the server, use tokenization so you never store PANs, and log/monitor payment activity. If a payment integration “stops working,” first check sandbox vs live credentials, webhook delivery history, and that callback URLs are reachable over HTTPS.

Recommendation: for most small sellers start with a reputable hosted checkout (PayPal or Stripe Checkout) to get selling quickly, add alternate options for customers (bank transfer or phone orders as suggested), and migrate to a bank gateway/merchant account once volume justifies the extra fees, paperwork and full PCI scope.

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Member Avatar for high heels

The use of third party gateways can work "I use one for a few of my sites" and if a person does not have to put in any personal info on your site like their credit card info, then no you do not need an SSL for your site. One of the major downfalls of using a third party gateway like Paypal is if that visitor has has a bad experience with them, they will not buy from you. Not having your own gateway also tends to show you do not plan on hanging around for long and you're more of a here today, gone tomorrow, as many sites are. You would be better off, to be honest, to provide your visitors a few different payment options, one being credit cards through your own gateway, while also offering, "depending on your location" Paypal, Google checkout, checks, money orders etc." I would in all cases make sure you have terminal access so you can include a printable order form that can be faxed or snail mailed to you. The terminal access will allow you to charge against their credit card manually, as some people do not like to enter into any transactions online. Many people forget this option.

Hi,

If I use Paypal, I don't need to implement any security features in my website. All happens in Paypal's website. (I hope what I am saying here is correct!)

What is the the difference between Paypal method and using normal banks like Barclays, Natwest, HSBS, RBS etc. Moneywise please. Do I have to also pay security companies to secure my page if I use banks.

Or should I use 3rd part websites like Sage?

Your opinions, what is the best option?

Thanks

Member Avatar for jogkely007

I am also running an e-business website and I am using 3rd party for payment option due to following reasons.

1 - More secure
2- easy to use
3- easy to install
4 - customer satisfication

Member Avatar for hireaprogrammer

Yeah but when you try to implement other bank code then required https server and many other configuration too.

Best is paypal

Member Avatar for fungurudel

It's much easier to get a 3rd part account, like you can sign up with paypal or others in just a few min and start accepting payments but if you go direct to banks you will need a lot of paperwork and you must have transactions in volumes for them to be interested, besides the code implementation would require a team of programmers... just not worth it for small businesses.

Member Avatar for haiwin

I have used Paypa as payment on my site for 2 years, it is easier and safer

Member Avatar for theemerchant

better use paypal for payments for more security purposes.

Member Avatar for ZacharyTaylor

Which is best E-Commerce software that i can use to make our client payments. Is there any have except pay pall. Because pay pall is not relay able now a days.

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