My Merchant Account Blog
My Merchant Account Blog should help you with your merchant account and electronic payment gateway. Also
hopefully it will help explain some fraud attempts and how to notice fraud
on your orders.
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Electronic Payment Gateways Compared
Wednesday, July 11, 2007
I know earlier we spoke about comparing merchant accounts and how you should take most comparisons with a grain of salt. Now, let us take a look at three electronic payment gateways that are available to merchants in the United States: LinkPoint, Payflow (Pro and Link, Authorize.net. We will just look at the services mainly offered by the gateways and a little at the prices (since the prices can potentially vary from different resellers).| LinkPoint | Payflow | Authorize.net | ||||
| API | Connect | Pro | Link | AIM | SIM | |
| Accept Visa, MasterCard, American Express, Discover | Y | Y | Y | Y | Y | Y |
| Virtual Terminal | Y | Y | Y | Y | Y | Y |
| Address Verification Service (AVS) | Y | Y | Y | Y | Y | Y |
| 24-hour support | Y | Y | N | N | ||
| Transaction Costs | N | N | Y | Y | Y | Y |
| Ability to block certain credit card numbers | Free | Free | Extra | Extra | Extra | Extra |
| E-Mail Notification | Y | Y | Y | Y | Y | Y |
| Recurring Billing | Free | Free | Extra | Extra | Extra | Extra |
| Block Certain IPs / Class C Addresses | Y | Y | Extra | Extra | Extra | Extra |
| Block Domain Names | Y | Y | Extra | Extra | Extra | Extra |
| Online Reports | Y | Y | Y | Y | Y | Y |
| Tax Module | Y | Y | ||||
| Shipping Module | Y | Y | ||||
| Level II Data support | Y | Y | Y | Y | ||
| Set Maximum Purchase | Y | Y | Extra | Extra | Extra | Extra |
| Set Duplicate Order Lockout | Y | Y | Extra | Extra | Extra | Extra |
| Offers API | Y | N | Y | N | Y | N |
| Offers Secure Website for Transactions | Y | N | Y | N | Y | N |
This is just a basic service comparison. This is to help you see what some gateways will offer and what some will not. Some services were not easily found on the website so I left those blank. This is not to say the gateways supported them, they just made it difficult to find.
