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如何接收信用卡付款?
Thread poster: lbone

lbone  Identity Verified
China
Local time: 16:16
Member (2006)
English to Chinese
+ ...
Feb 4, 2009

我发现 Profile 里多了一条 Payment method accepted,收款方式中自动给我加上了:

MasterCard, Visa, Discovery, American Express

这几种收款方式应该都是信用卡吧。

除了PayPal,还有什么办法可以接收信用卡付款?ProZ会代收吗?


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Zhoudan  Identity Verified
Local time: 16:16
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没看到嘛 Feb 4, 2009

在哪里?我看了自己的Profile,连Payment method也没有。

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lbone  Identity Verified
China
Local time: 16:16
Member (2006)
English to Chinese
+ ...
TOPIC STARTER
只有我有? Feb 4, 2009

Zhoudan wrote:

在哪里?我看了自己的Profile,连Payment method也没有。


看了好几个人的 Profile,发现只有我有,难道是灵异事件?

我这一条在 Profile页里的 Blue Board 之下,Portfolio 之上。


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Norman Li  Identity Verified
China
我的profile里也有 Feb 4, 2009

我还以为原来就有的,呵呵。很久以前接受过一次客户信用卡付款到PAYPAL,到账挺快的(好像是即时)。但自那以后很少有客户用这种方式付款,估计是PAYPAL对信用卡付款的收费很高。

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wherestip  Identity Verified
United States
Local time: 02:16
Chinese to English
+ ...
MasterCard, Visa, Discover, American Express ... Feb 4, 2009

lbone wrote:

我发现 Profile 里多了一条 Payment method accepted,收款方式中自动给我加上了:

MasterCard, Visa, Discovery, American Express

这几种收款方式应该都是信用卡吧。

除了PayPal,还有什么办法可以接收信用卡付款?ProZ会代收吗?


As I understand it, you have to sign up as a vendor with these credit card issuers in order to use their services. They charge a certain percentage for every transaction conducted. That's typically the business model for credit card companies. There might also be upfront signup fees.

There's no extra fee for the consumer, or in this case, your client.

I seriously doubt ProZ.com would play any role as middleman.



[Edited at 2009-02-04 14:11 GMT]


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wherestip  Identity Verified
United States
Local time: 02:16
Chinese to English
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"Acquirer" Feb 4, 2009

wherestip wrote:

lbone wrote:

我发现 Profile 里多了一条 Payment method accepted,收款方式中自动给我加上了:

MasterCard, Visa, Discovery, American Express

这几种收款方式应该都是信用卡吧。

除了PayPal,还有什么办法可以接收信用卡付款?ProZ会代收吗?


As I understand it, you have to sign up as a vendor with these credit card issuers in order to use their services. They charge a certain percentage for every transaction conducted. That's typically the business model for credit card companies. There might also be upfront signup fees.

There's no extra fee for the consumer, or in this case, your client.

I seriously doubt ProZ.com would play any role as middleman.



I could be wrong about ProZ.com not willing to act as middleman. There is something called an "acquirer" in MasterCard's merchant program. Maybe ProZ is willing to play that role?

http://www.mastercard.com/us/merchant/acceptance/choosing_an_acquirer.html


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lbone  Identity Verified
China
Local time: 16:16
Member (2006)
English to Chinese
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多谢! Feb 4, 2009

你说的概念我也有所耳闻。照理信用卡需要一个专用付款网关,一般是商家向发卡行或相关机构申请才能收取,个人一般是没有能力直接收信用卡付款的。

我觉得奇怪的就是这几个信用卡付款方式是 ProZ 为 Payment method accepted 设置的默认值,而这里大部分都是译员,至少我肯定是译员。也许只是ProZ写这个默认值时没想清楚。

ProZ想收取信用卡付款很容易,它收会员费就主要是用信用卡。我以前听说过,收取信用卡支付的门槛也并不高。不过从ProZ的FAQ看,它似乎并不乐意于做 Payment Processor,而且 ProZ Wallet 的费用相当高,我肯定不会用它。当然情况可能会改变。

http://www.proz.com/faq/2644#2644

18.1 - How can I accept payments through my ProZ.com Profile page? [Direct link]

Unfortunately, the ProZ.com Payments feature (top right corner in the Profile pages) is no longer available.

18.2 - What are the fees for using the ProZ.com Wallet? [Direct link]

There is, in most cases, a fee of 5% that we charge in addition to the fees particular to the method of transfer (ex. 5.5% fee taken by credit card company, $35 fee taken by bank on wire transfers, etc.) We take the 5% only once; when you 'withdraw' money from the wallet, you would not be charged the 5%. However, any external fees (again, wire transfer, etc.), would still apply.

Specific fees will appear if you make use of the function.


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wherestip  Identity Verified
United States
Local time: 02:16
Chinese to English
+ ...
Credit Card Companies Feb 4, 2009

lbone wrote:

18.2 - What are the fees for using the ProZ.com Wallet? [Direct link]

There is, in most cases, a fee of 5% that we charge in addition to the fees particular to the method of transfer (ex. 5.5% fee taken by credit card company, $35 fee taken by bank on wire transfers, etc.) We take the 5% only once; when you 'withdraw' money from the wallet, you would not be charged the 5%. However, any external fees (again, wire transfer, etc.), would still apply.

Specific fees will appear if you make use of the function.



Whoa! That's a pretty expensive "wallet" - a more than 10% haircut.

5.5% sounds about right for what the credit card companies charge the poor vendors.

But that's just the cost of doing business.


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wherestip  Identity Verified
United States
Local time: 02:16
Chinese to English
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FWIW Feb 5, 2009

Norman Li wrote:

我还以为原来就有的,呵呵。很久以前接受过一次客户信用卡付款到PAYPAL,到账挺快的(好像是即时)。但自那以后很少有客户用这种方式付款,估计是PAYPAL对信用卡付款的收费很高。


Here are some insights on how receiving credit card payments through PayPal works.

http://www.mightybargainhunter.com/2008/04/16/why-paypal-makes-it-a-chore-to-pay-by-credit-card/



Are you getting the idea that PayPal is trying to trick me into not paying by credit card?

It’s all about PayPal’s bottom line. If a PayPal user wants to accept credit cards, they need to have either a Premier or a Business account. A Personal PayPal account does not allow that person to accept credit card transactions, but there is no fee taken out for receiving money on Personal accounts. However, on Premier or Business accounts, every payment accepted, regardless of source, is charged a fee.

Now, transfers from PayPal balance are free for PayPal, as it’s all an internal shifting around of electrons. Balance transfers direct from a bank account are also free for PayPal, as the bank from which the funds are drawn pays any ACH transfer fee. Payment by credit card, however, is not free for PayPal. PayPal is basically a giant merchant account that fulfills transactions on behalf of about 100 million different user accounts. Each credit card transaction costs PayPal a percentage of the transacted amount plus a flat fee. They pass this on to the premier and business account holders, of course, but they charge the same fee to them regardless of whether it was a credit card transaction or not.

It’s been this way for years, and it’s a pain, and it still catches me once in a while, and it’s not likely to change. Maybe this little guide will help you if you decide to pay through PayPal using your credit card.



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wherestip  Identity Verified
United States
Local time: 02:16
Chinese to English
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Cost to Accept Credit Card Payments Feb 5, 2009

lbone,

Here's some additional info on the topic. You can get an idea on the range of fees this type of middleman companies charge for accepting credit cards on your behalf. The percentages are all pretty high.

http://www.thesitewizard.com/archive/creditcards.shtml


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lbone  Identity Verified
China
Local time: 16:16
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English to Chinese
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Thank you, Steve! Feb 5, 2009

非常感谢。

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Alvin Liu  Identity Verified
China
Local time: 16:16
Member (2007)
English to Chinese
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PAYPAL对信用卡付款的收费很高 Jan 25, 2011

Norman Li wrote:

我还以为原来就有的,呵呵。很久以前接受过一次客户信用卡付款到PAYPAL,到账挺快的(好像是即时)。但自那以后很少有客户用这种方式付款,估计是PAYPAL对信用卡付款的收费很高。


但是付款人可以选择让收款人承担,而且收费高达3.9%!


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如何接收信用卡付款?

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