Online Payment Processors

During my sign out from uBid using Google Checkout, I also was offered with a box asking if I wanted to receive promotional offers from uBid. I did NOT confirm the box, but two days later I started receiving spam anyway. I had to speculate why they bothered to ask if they planned to spam me anyway.

When I realized I was not going to get my order, now 4 weeks after I paid, I went back to Google Checkout and spent more than half an hour going through their help system trying to find out how to report a fake charge (I paid but they will not ship or reply to customer service messages and that is fraud).

If I had used PayPal, 2Checkout, Click Bank, or any other service, I would have had some security and could have requested a refund. The vendor is unwilling to resolve the matter and Google has no facility to report fraud or to sanction a refund.

This puts the purchaser in a very weak position.

On a plane note: Google Checkout has a number of other disadvantages for online marketers. They do not offer any type of managed associate program. Since Google charged, they should also offer a managed associate system similar to Click Bank, but they failed to include this common feature. Any good online marketer uses affiliates. The absence of this feature is stunning to me.

As an online marketer myself, I would be scared to even offer Google Checkout.
The failure for customers to file a complaint against awful merchants makes it a perfect tool for corrupt marketers and I do not want my sales websites associated with that stigma.

I have a Google Checkout account. I did test it but after finding all the limitations, I quit using it long ago. Now that I have found out as to how the system works from the buyer's side, I know I will never offer it as a payment option again.

Online marketers must carefully assess the companies they use to process payments. If a majority of buyers have a bad experience with Google Checkout, then you can bet they will be less probable to trust your website when they see a Google Checkout logo. They will know that they have no real buyer security and will either avoid your site completely or look for an interchange payment method (Such as PayPal which gives them the most control and they do not have to share their credit card number).

Many marketers choose a credit card processing company based on what it does for THEM. You must also think about what it does for your clientele.
For instance, Digital River's Swreg software sales service offers a great deal for online vendors. At least it appears great. It is easy to setup, you can create links to place on your site that your customers use to pay by credit card. Sellers have the option to pay 2.9. Which do you think most marketers will choose? In order to obtain this special low price package, Swreg adds an $8 charge to every shopping cart purchase.

Setup a credit card processing merchant accounts to accept credit cards today!