e-Payment

BidPay: This service is available only for those who buy and sell at online auctions. Buyers use their credit or debit card to make their purchases from you and BidPay sends you a Western Union Money Order or the payment is directly deposited into your checking account if you live in the U.S.

CCNow: Shopping cart solution that also allows you to take all major credit cards without a merchant account. They pay you your earnings twice a month and while your money is sitting on account it earns 1.5%APR.

DigiBuy: For those who sell software, it puts you in control of pricing, order forms, and delivery options. Pricing varies with two service levels to choose from. Your earnings are paid to you monthly minus their 13.9% per transaction fee ($3.00 minimum).DigiBuy allows you to accept payments by Visa, MasterCard, Amex, Discover or Diners Club.

Ikobo: Merchant fees at $2.99 plus .29 per transaction, and no extra fees for international transactions. You can sell to buyers in 170 countries. Payments are deposited to your bank account or to your Ikobo Visa debit card.

2CheckOut: It will run you $49.00 to open an account, and then it’s .45 per sale and 5.5% of the sales amount. It includes free shopping cart and codes to add to your website. And it will also work with your existing shopping cart if you just need a way to take credit card payments. It can be used for tangible or digital download products. With 2CheckOut, you can take payment from all credit cards and even checking and debit card payments.

ShareIt: This service is good if you are selling software and shareware online. Your customers can pay by credit card or debit cards and even checks. You can receive your money by check or electronic transfer to your bank account. Fees are based per transaction with no monthly charges.

ProPay: It accepts payments by credit card via the web or even by phone. Funds are deposited into your ProPay account. You can get a ProPay Mastercard to access your funds or transfer your earnings to your bank account. They have four types of accounts to choose from: Basic, Premium, Premium Plus, and Platinum, with annual pricing from $34.95 all the way up to $299.95, depending on the features and types of account you need.

GraphCard: If you are a country where you are not allowed to own any of the following above maybe because of restrictions, then one of the best options available is graphcard, which I call ATM online bank account.

AlertPay: A privately owned and managed company founded in 2004, is a rapidly growing leader in online payments. The service provides individuals and businesses, the ability to send and receive payments online without exposing their personal or financial information. AlerPay is a Canadian Registered Corporation and complies with the regulations of the OSFI(Office of the Superintendent of Financial Institutions Canada),FINTRAC(Financial Transactions and Reports Analysis Centre of Canada) and FinCEN(Financial Crimes Enforcement Network).AlertPay fully integrates the principle of ‘know your customer’(KYC) to ensure a safe and secure system for all their members, yet they respect their customers’ privacy fully, and stand by their Privacy Policy to ensure that identities is secured with them. All monies deposited with AlertPay are FDIC (Federal Deposit Insurance Corporation) and CDIC (Canada Deposit Insurance Corporation) pass-through insured in the U.S. and Canada, and is held with federally chartered and regulated banks.

LbertyReserve: An easy access account that you can easily access to make payments quickly. Just like wallet is to your bank account, LR’s Wallet allows you to keep a small balance handy for quick payments, while keeping the bulk of your balance in your main Liberty Reserve Account. It also has a built-in messaging system to privately send and receive messages from your friends and business associates.

PayPal: PayPal enables any individual or business with an email address to securely, easily and quickly send and receive payments online. Acquired by eBay Inc. in October 2002, PayPal builds on the existing financial infrastructure of bank accounts and credit cards and uses the world’s most advanced proprietary fraud-prevention systems to create a safe payment solution. Today, PayPal is a global leader in online payment solutions. It has 149 million registered users and is accepted by millions of merchants worldwide-on and off eBay. PayPal Q1 2008 global total payment volume of $14.4 billion accounted for nearly 9 percent of worldwide eCommerce.