如何接收信用卡付款？

Zhoudan wrote:

在哪里？我看了自己的Profile，连Payment method也没有。

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？

wherestip wrote:



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.

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.

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。

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.

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。