These days you have alot of options out there, Pay Pal being one of the most popular one just because it`s [so they say it`s free] but in reality they are charging you a whopping 2.9% +.30 per transaction. So for example if you make a 600.00 transaction, it would cost you $17.70 aprox. so instead of making a 600, you would make 582 in profit. The down fall is if you were to make a money transfer to your banking account it takes up to 7 days, they say 3-5 but I had to wait 8 almost 9 days for 100.00 bucks. The good thing is you can apply for a debit card, go to your nearest bank and make a cash widthdrawl or purchase items with your Debit Card.
Now with a regular payment processor such as Linkpoint and Authorize.net, they both have the same features, only authorize.net is harder to integrate into a web site especially if you are using the AIM or SIM payment gateway. Plus you have to have good knowledge of PHP, ASP, or coldfusion to get your payment gateway started. Linkpoint is easier to integrate but again you must have knowledge the languages I mentioned above or if you have a shopping cart with payment modules you just enter your store number and a simple 16 character transaction key and you are done.
The thing that may hurt you is the processing fee`s they charge. Linkpoint has a 19.99 a month fee plus if you are doing business via the internet/ mail orders they charge you 2.30 % + .25 cents transaction fees. click here to see their prices. http://www.charge.com/?emonr829 this is for linkpoint if you are looking for Authorize.net click here https://www.e-onlinedata.com/nuevolution
they are very similar but it`s in the transactions per month where they get you. Honestly I can go all day telling you about payment gateways. There is much to learn and so little time to explain. if you would like to know more call me and I can walk you through the process.
If you decide to have someone integrate either Authorize.net or Linkpoint into your web site I can do that for you too
Web Developer / Owner / Consultant
When starting your own business the need to "know-how" is greater than money!