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This question has been asked before (link) but I have slightly different requirements. First, I'm in Canada so that rules out Google Checkout and probably a few others. I just need a basic service that provides "Buy Now" functionality, no shopping carts or anything like that. The site isn't super high volume, so I'd like to avoid any site with crazy monthly fees. I also need the ability to setup "discount codes" (or whatever you want to call them) for special promotions. The site must also have some sort of payment notification service (IPN). I am currently using PayPal, but their lack of discount codes is really starting to restrict what I can do.
What have you used, or what would you recommend I investigate further?
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Moneris is the largest payment processor in Canada and predominantly uses the tiered pricing model. It's important to watch out for your rates. Moneris has been known to gradually increase your rates every year. Moneris generally has a 3 to 4 year contracts with cancellation fees of around $250.
Choosing an appropriate and reliable payment processor or merchant account provider is essential to running any business that processes credit and debit transactions.
Moneris is Canada's leading payment processor with 3 billion transactions completed each year. With Moneris you get 2.65% transaction fee, customized POS system and merchant services and the award-winning, 24/7 customer support.
A payment processor is responsible for relaying transaction details to and from the customer's card-issuing bank and the merchant's acquiring bank. Payment gateways are commonly used for eCommerce transactions, but can also be used to accept payments with a credit card reader, POS system, or software integration.
I have used Beanstream in Canada. They provide a hosted service, where you provide a link to a custom Beanstream page in your site; they do all the payment processing and deposit the funds in your bank account. You can edit the checkout page to make it match your site, and create shopping carts or provide charges on a case-by-case basis. I know you said you don't need a shopping cart, but it is only $10/month more.
They also provide a gateway API if you want to accept credit cards yourself, but I find the hosted service far more convenient.
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I've had good luck with eMetrix. Also I've heard good things about Plimus too.
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