Wednesday, January 23, 2008

credit card processing in pakistan

credit card processing in pakistan

What are exactly options for credit card processing for a pakistani shopper ?

Well, its very tough for online seller from pakistan to get online payments so easily, the best options include

1. Money Bookers ( no credit card needed, can work with major pakistani banks)
2. Worldpay (credit card needed)
3. 2checkout.com (credit card needed)
4. Paypal (credit card needed )


1. MoneyBookers
Moneybookers is however a new service in the market , they do serve pakistani sellers , you just need to create an account with either credit card or bank account.
They are great , but you need to create moneybookers account to pay online, its new so very small number of buyers really like to buy via moneybookers
No setup fee
No Monthly / Yearly fee
2-3 % transaction fee
Its the most reliable and cheapest package for online sellers. No charge Backs , good na ?
www.moneybookers.com




2. WorldPay
this is very costly package by www.worldpay.com
it includes
120 + UK pounds registeration fee or setup fee
20-30 UK Pounds per month service fee
and 3.4-4.5% transaction fee ( if you process an order of 100 USD then 4.5 USD will be transaction charges)

Its not an option for small business or starters :( too bad.
Worldpay is very good service no doubt. their security level is great. they have hidden charges as well.
www.worldpay.com

3. 2checkout
This requires credit card as well, they are a reliable piller of this industry.

Just 49 USD doller setup fee
and upto 4.5 % transaction fee
No monthly or annual Fee
www.2checkout.com

4. Paypal
paypal is not available for pakistan sellers however if you can get credit card from other countries like UK, USA , SWEDEN etc , then you can get an account from paypal

No setup fee
No monthly or Year Fee
4.5% transaction fee

its cheap, its fast , its reliable but for buyers
they can give money back to buyers if they complain about you. if they cried like a baby to paypal " i bought this toy but uncle of this online shop didn't deliver my toy to me. ahhhhhhhhhhh " then paypal do hear to their cry even if they are wrong, they are cheater. Paypal will just give back their money.

that's why i say PayPal SU"C"K"S
www.paypal.com

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