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Payment Processing Discuss payment processing with PayPal, Stripe, Authorize.Net, Bitcoin and other processors for your products and services.

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  #1  
Old 11-09-2009
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Default Paymate

I got approved by paymate recently and started using on ebay.


I will post it here if they are good or not. I will sell cheap stuff first.

They only need SS and any bank account.
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  #2  
Old 11-10-2009
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Default Paymate fees and sales limits and withdrawals

Credit card payments incur fees for sellers only. These consist of a fee based on the value of the payment and a flat fee per payment.

The current seller fees for a standard account is 3% + $0.50 per payment.

There is a US$5000 limit on how much you can receive in a month.

Annual Fees: None.

Monthly Fees: None.

There are no fees for buyers and they do not need to register to make a credit card payment.


Pretty reasonable. oh yes they charge 15$ for every charge back....


Receiving Payments


When a buyer makes a payment to your registered email address, Paymate will first assess fraud risk via our proven risk management systems. On approval, we will submit the payment to our bank for authorization. We will send you and your buyer emails to notify the payment status.
*

After the payment is authorised by the bank, the funds will be credited directly to your registered bank account, usually three business days later. You will not need to transfer funds or pay any fees for the transfer, which happens automatically.
*

Our bank will deduct our fees prior to settlement of funds.
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  #3  
Old 11-10-2009
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Default Categories that are prohibited

*
All Sexually Oriented or Pornographic merchants including:
*
Adult Book Stores/Video stores
*
Adult Telephone Conversations or video text
*
Companion/Escort Services/Dating Services
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Massage Parlors
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Topless bars/clubs
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Modeling agencies
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Miscellaneous entertainment (not elsewhere classified)
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Aggregators (third party payment processors)
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Audio/video text
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Airlines
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Cruise Lines
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Any Illegal products/services or any service or product providing peripheral support of illegal activities
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Auction Houses
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Bail Bondsmen
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Cellular Phone/Beepers (Services, not equipment)
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Chain Letters
*
Charities (other than well known)
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Check Cashing
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Collection agencies or firms involved in recovering/collecting past due receivables
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Credit Repair
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Credit Card Protection or Identity Theft Services
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Currency Exchanges
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Drug Paraphernalia
*
Extended Warranty Companies
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Flea Markets (with no lease and phone availability) (Virtual terminal/Wireless considered High Risk)
*
Fortune Tellers
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Merchants offering free gifts, prizes, sweepstakes or contests as an inducement to purchase a product/service
*
Get Rich Quick Schemes
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Health Membership Clubs (Extended Memberships)
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Import/Export (Non Mag Stripe or MO/TO)
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Investment Programs/ Opportunities
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Internet pharmacies
*
Internet tobacco/cigarettes
*
Lotteries, Gambling, internet Gambling, contests or sweepstakes
*
Sports forecasting or odds making
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Mortgage Reduction Services
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Taxi/Limousines (singletons) Virtual terminal/Wireless considered High Risk)
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Pseudo-pharmaceuticals (anti-aging pills, sex nutrients, etc.)
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Prepaid Cards/quasi cash
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Real Estate Seminars
*
Shippers/forwarding Brokers
*
Timeshare
*
Travel Agents/Tour Operators/Travel Clubs
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Merchants engaged in Door to Door Sales
*
Pyramid or multi-level marketing distribution
*
Third party order fulfillment
*
Merchants engaged in Outbound Telemarketing
*
Infomercial merchants or other inbound telemarketers engaged in upsell
*
Merchants offering rebates or special incentives
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  #4  
Old 11-10-2009
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Default

Cons:
5,000 monthly receiving limit.
Paymate has to be used with your real info and SSN.
That means you can't use it with a stealth account.
Not worth it unless you're willing to use your REAL info.

I'll stick to CCnow.
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  #5  
Old 11-10-2009
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Default Paymate fees and sales limits and withdrawals

ok but if you have multiple accounts like I do I could easily do 25k per month. (gross)

there is a bad and good side on their services. I have one ebay sale today and the processing of credit card is not instant. I called their customer service and they said it take about 1 business day to make sure the credit card is not stolen and thus protecting me from charge backs. I am not sure about this one.

good news is excellent customer service, I called them and they answer pretty quick, far way better than money bookers. looks like their customer service is in Australia because I called twice and both have aussie accents.
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  #6  
Old 11-14-2009
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Default update on paymate

WOW, so I got my money after 3 days. 1 day clearing of credit card from customer to their bank and after 2 business days, the money is in my bank today.. So pretty much like paypal. but no 21 day hold or what so ever.


Cons is 5000 limit for 1 month or 10000$ if you choose to pay 30$ a month. Ok now I will do about 1k a week and see how it goes regarding limitation, looks like this is my full replacement for paypal.
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  #7  
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I think you still may be able to use it with a stealth account. I have my moneybookers account linked to a stealth account. They only do that to integrate the shopping cart and see your feedback and items you're selling. However they can still request your personal info from ebay, not sure if that would matter to them or not as long as your real info from your bank and merchant account match, I think that's all they care about.
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  #8  
Old 11-15-2009
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Quote:
Originally Posted by bobby2000 View Post
WOW, so I got my money after 3 days. 1 day clearing of credit card from customer to their bank and after 2 business days, the money is in my bank today.. So pretty much like paypal. but no 21 day hold or what so ever.


Cons is 5000 limit for 1 month or 10000$ if you choose to pay 30$ a month. Ok now I will do about 1k a week and see how it goes regarding limitation, looks like this is my full replacement for paypal.
Could you please tell me how do i increase my 5k limit to 10k? (for US sellers)

"We also offer our eBusiness Account in Australia and New Zealand which allows a monthly limit up to $10,000. This account has a monthly subscription fee which is debited to the bank account you registered in advance and is non-refundable.
"
But this for AU and NZ sellers only.

I don't see any button or link in my account to increaes the limits.
thanks.
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  #9  
Old 11-15-2009
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there is a link on which account you want, there are two tabs which one you prefer . standard or the EBusiness but they charge you 30$ per month.
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  #10  
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Another con is once u get banned from paymate for saleing prohibited items then thats it no makeing another paymate account unless u have another ssn laying around.
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  #11  
Old 11-17-2009
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Quote:
Originally Posted by doughboykilla View Post
Another con is once u get banned from paymate for saleing prohibited items then thats it no makeing another paymate account unless u have another ssn laying around.
have you been banned???? if so what kind of items?
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  #12  
Old 11-21-2009
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Default after a week with paymate

ok here is what they do:



They process payments takes within 3 days and your money will be deposited in your checking account in 3 days. SO they basically tell you not to ship your item until its not clear. When its cleared, just check your bank account and it will be there.


Cons,

Ok before signing up, make sure your ebay account is 30 days old or have some sellers feedback, they will suspend you if you are currently new seller and ask for drivers license, a utility bill and suppliers invoice.

Phone service is a joke, I want to edit what I said earlier, no one will answer the phone on US time, I guess they will answer at midnight.

Email is so slow too, it takes about 2-3 business days before they answer.

I havent tried volume selling yet, I will post them up here after my first 5k by the end of the month
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  #13  
Old 11-21-2009
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curious. since this is a non paypal service and cant fund from a paypal account about what % of your payers pay in credit card?

>ok but if you have multiple accounts like I do I could easily do 25k per month. (gross)

do you have multiple accounts set up with your real name/ssn already? even through youre putting your first account through it paces to get to 5k sales?

>they will suspend you if you are currently new seller and ask for drivers license, a utility bill and suppliers invoice.

so youre setting up a paymate with real info for every ebay (stealth or not), every time? how would you seed it with initial seller feedback in the first place. payments with paypal?
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  #14  
Old 11-21-2009
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>they will suspend you if you are currently new seller and ask for drivers license, a utility bill and suppliers invoice.

What do I send them as my supplier info if i don't have any? I'm just selling my personal items.?

Should my ebay reg info match paymate reg. info?
thanks.
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  #15  
Old 11-27-2009
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in regards of suppliers invoice, I told them that I have used products but gave them a bank statement
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  #16  
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Choice


All of them pay thru paymate with no problem, well I had one today that refused to pay because she only use her checking account with paypal.


Its quite tricky but once you know what your doing, I think paymate is good. Just bad customer service....... 2 days before they reply to you.
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  #17  
Old 11-27-2009
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I am using paymate. I offer only paymate as payment option. I sold 11 items. None of them are paid. Most of buyers find paymate don't accept their credit card. What is that??? I tried by myself. My credit card was also turned down. Where I do wrong?
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  #18  
Old 12-14-2009
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DO NOT USE PAYMENT. THEY WILL REVERSE ALL YOUR SALES AND TELL YOU TO SHIP THE ITEM. YOU WILL LOSE MONEY, STAY AWAY FROM THESE SCUM BAGS. Never use paymate. NEVER Never, lost 300$ worth of items and 60$ on postage fees.
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That sucks! You should never ship your items before getting paid thats the # 1 rule of any scumbag payment service. I dont care which service it is i would never ship nothing till i got the cash in my hands,
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  #20  
Old 12-15-2009
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Quote:
Originally Posted by bobby2000 View Post
DO NOT USE PAYMENT. THEY WILL REVERSE ALL YOUR SALES AND TELL YOU TO SHIP THE ITEM. YOU WILL LOSE MONEY, STAY AWAY FROM THESE SCUM BAGS. Never use paymate. NEVER Never, lost 300$ worth of items and 60$ on postage fees.
what happened exactly?
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  #21  
Old 12-17-2009
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they canceled all my sales, but I received an email that to ship all my items. I lost about 360$ total.
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  #22  
Old 12-17-2009
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Quote:
Originally Posted by bobby2000 View Post
they canceled all my sales, but I received an email that to ship all my items. I lost about 360$ total.
So wait you are no longer using paymate? if not than who have you switched over too?

(I have both paymate and moneybookers) but use only money bookers for now because I need to increase my feedback for paymate before I can use them. :(

But I was looking forward to paymate because moneybookers holds your money for 40 days until you've been with them for a while.
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