paypal alternative Authorize.net

[nakamuru]

Switched to authorize.net after paypal booted me after 17 years (im over it now lol). Will authorize.net be strict like paypal too? Anything to watch out for

I sold tons of legit items on paypal then got greedy and added these bags that were selling like hot cakes and paypal didn't like that.

But using two domains i have i'm going to go legit with authorize but wondering pros and cons of this.

Been using them for few months and working out good so far but taking precautionary tales.

Plus my ebay is my original account that is taking authorize too and going legit on that his account also.

[mcnol012]

Authorize is your friend, not like PP

I can only say that

[An0nym0u$]

Authorize.net is just your payment gateway. When you sign up w/ authorize.net, they automatically will partner you with one of their preferred payment processor.

What you need to be concerned with is your payment processor, the merchant that processes all your selling activity via your payment gateway.

You need to start selling slowly with a new merchant processor, just as if you were a new Paypal seller. The merchant/payment processor will put you under high scrutiny as a new seller. You should be in contact with your AM their and stay within the initial limitations, otherwise their Underwriters will shut you down.

If they ban you, you will need to search for a new payment processor or have your authorize.net sales guy do that for you.

I use Authorize.net and they are much, much better to deal w/ then PP. It's night and day. The main drawback when selling on eBay is most customers do not like to pay without PP. You may lose a few sales that way.

But in my years, it is much less of a headache.

[nickopedia]

Authorize.net is just the middleman in the transaction.

The Payment Processor (Merchant Bank) is the one you need to be concerned about. You may find their vetting/underwriting process is a lot more stringent that PayPal's.

Things you might sell may fall under the definition of "High Risk". Here is only a parial list of such categories:

Answering Services
Diet Centers
Health Clubs
Internet Access Providers
Investment Opportunities
Liquidators
Motivational and Self-improvement Courses
Non-Retail Pawn Shops
Seminars
Tanning Salons
Vitamin/Herbal Supplement Sales
Water Purification
Non-Retail Jewelry
Electronics including Laptops and Computers
Cellular Phones and Pagers
Non-Retail Computer Hardware and/or Software sales.
Legal Advice and Kits
Auto Accessories/Tire Rims
Business Practices Promoting Racism, Violence, Abuse, Discrimination or Other Immoral Activity
Illegal products/Activities of any Kind
Intellectual Property Rights Violators
Airlines
All Adult Entertainment, sexually oriented or pornographic merchants, including but not limited to: Adult telephone conversations; Internet sex/porn; Adult pictures & photos; Misc. adult entertainment (not elsewhere classified)
Collection Agencies
Credit Repair Services
Stolen property
Internet Tobacco Sales
Drug Paraphernalia
Escort or Dating Services
Gambling Establishments
Lottery Sales
Massage Parlors (unless licensed for physical therapy)
Multi-level Marketing
Time Share Sales
Bankruptcy Lawyers/Firms
Travel Agencies
Age Verification Services
Adult Videotext Merchants
Negative Option Billing
Outbound/Inbound Telemarketing
Internet Pharmaceutical Sales
Long Distance Services
Pre-paid legal advice/services
Cable box de-scramblers
Internet/Mail-Order designer/imitation handbags
Internet/Mail-Order watches
Male or Female Sexual Enhancement Supplements or Products
Pre-Paid Phone Cards
Internet Perfume Stores
Annual Billing with High Average Tickets
Matrix Merchants
Downloadable Software
Internet as Seen on TV Products
Knock off Athletic Shoes
Sunglasses
Medical Advice
Human Growth Hormones
Check cashing services
Counterfeit items, including but not limited to: Currency; Coins: stamps: Counterfeiting equipment; Trademark infringement items
Investment opportunities
Pyramids/Ponzi Schemes
-------

There are likely tons more as well. Comes down to WHAT you are selling, how much volume you process, and your prior history.

[nakamuru]

Originally Posted by mcnol012

Authorize is your friend, not like PP

I can only say that

I don't think any business to business can be friends as dealing with money you can be cut off instantly. But I know what you mean lol

[nakamuru]

Originally Posted by An0nym0u$

Authorize.net is just your payment gateway. When you sign up w/ authorize.net, they automatically will partner you with one of their preferred payment processor.

What you need to be concerned with is your payment processor, the merchant that processes all your selling activity via your payment gateway.

You need to start selling slowly with a new merchant processor, just as if you were a new Paypal seller. The merchant/payment processor will put you under high scrutiny as a new seller. You should be in contact with your AM their and stay within the initial limitations, otherwise their Underwriters will shut you down.

If they ban you, you will need to search for a new payment processor or have your authorize.net sales guy do that for you.

I use Authorize.net and they are much, much better to deal w/ then PP. It's night and day. The main drawback when selling on eBay is most customers do not like to pay without PP. You may lose a few sales that way.

But in my years, it is much less of a headache.

I don't think they had some limitiations. Should I contact them as Christmas is around the corner and sales are gonna jump tremendously.

So Chase is my payment merchant and if they blindside me and let me go for some reason:

1). Am I able to go to another payment merchant that uses authorize and authorize won't care as long as the bank approves me (I'm guessing previous records from another bank won't matter or will authorize have records of their own they will use).

2). are there lot of payment processors that utilize authorize.net? if one goes down i can go to the next.

3). I do remember signing up with authorize directly before chase and was using them that way, so in some cases they are middle man but also direct merchant correct?

3).

[nakamuru]

Originally Posted by nickopedia

Authorize.net is just the middleman in the transaction.

The Payment Processor (Merchant Bank) is the one you need to be concerned about. You may find their vetting/underwriting process is a lot more stringent that PayPal's.

Things you might sell may fall under the definition of "High Risk". Here is only a parial list of such categories:

Answering Services
Diet Centers
Health Clubs
Internet Access Providers
Investment Opportunities
Liquidators
Motivational and Self-improvement Courses
Non-Retail Pawn Shops
Seminars
Tanning Salons
Vitamin/Herbal Supplement Sales
Water Purification
Non-Retail Jewelry
Electronics including Laptops and Computers
Cellular Phones and Pagers
Non-Retail Computer Hardware and/or Software sales.
Legal Advice and Kits
Auto Accessories/Tire Rims
Business Practices Promoting Racism, Violence, Abuse, Discrimination or Other Immoral Activity
Illegal products/Activities of any Kind
Intellectual Property Rights Violators
Airlines
All Adult Entertainment, sexually oriented or pornographic merchants, including but not limited to: Adult telephone conversations; Internet sex/porn; Adult pictures & photos; Misc. adult entertainment (not elsewhere classified)
Collection Agencies
Credit Repair Services
Stolen property
Internet Tobacco Sales
Drug Paraphernalia
Escort or Dating Services
Gambling Establishments
Lottery Sales
Massage Parlors (unless licensed for physical therapy)
Multi-level Marketing
Time Share Sales
Bankruptcy Lawyers/Firms
Travel Agencies
Age Verification Services
Adult Videotext Merchants
Negative Option Billing
Outbound/Inbound Telemarketing
Internet Pharmaceutical Sales
Long Distance Services
Pre-paid legal advice/services
Cable box de-scramblers
Internet/Mail-Order designer/imitation handbags
Internet/Mail-Order watches
Male or Female Sexual Enhancement Supplements or Products
Pre-Paid Phone Cards
Internet Perfume Stores
Annual Billing with High Average Tickets
Matrix Merchants
Downloadable Software
Internet as Seen on TV Products
Knock off Athletic Shoes
Sunglasses
Medical Advice
Human Growth Hormones
Check cashing services
Counterfeit items, including but not limited to: Currency; Coins: stamps: Counterfeiting equipment; Trademark infringement items
Investment opportunities
Pyramids/Ponzi Schemes
-------

There are likely tons more as well. Comes down to WHAT you are selling, how much volume you process, and your prior history.

Nice list. Was this compiled by you on the fly or cut and pasted from some compiled list.

But interesting that lot of health related items get banned.. maybe due to fda reasons and people getting sick?

So seems like paypal isn't really all that bad as it's just all payment gateways pretty much operate similar and have these boundaries.

[nickopedia]

That list was taken from a payment processor that works with Authorize.net. It's just an example of the many categories that may be considered as "high risk".

Understand there are MANY merchant banks out there, each with their own underwriting critera. Think of them like insurance companies. Merchant banks deal in RISK, and they consider some industries/categories/products and what not risky based on a variety of factors.

In fact, the entire Financial Services industry is concerned about risk.

If your business model touches on any of these areas, you might want to research payment processors who deal with that accordingly.

[nakamuru]

I think I need to preserve authorize.net as it's only acceptable payment platform for ebay. And since my ebay platform is not restricted , should find a different payment platform for my 3 domain's I'm running.

Is there good alternate to authorize (i'm keeping this for my legit ebay account and legit domain i'm running now).

I was thinking stripe (but dealt with them before and they are kind of headache as well as I was selling legit items and once my sales were going up they demanded invoices which I sent over and got cleared then few months later asked for invoice again and I decided to move to authorize).

So any alternatives i'm looking to use for more stealth items and stealth domain i will be running? good4checkout or something like that is pretty good..?

[Fishermanzz2]

Originally Posted by nakamuru

Switched to authorize.net after paypal booted me after 17 years (im over it now lol). Will authorize.net be strict like paypal too? Anything to watch out for

I sold tons of legit items on paypal then got greedy and added these bags that were selling like hot cakes and paypal didn't like that.

But using two domains i have i'm going to go legit with authorize but wondering pros and cons of this.

Been using them for few months and working out good so far but taking precautionary tales.

Plus my ebay is my original account that is taking authorize too and going legit on that his account also.

Authorize.net is awesome. I suggest going through Chase Paymentech because I sell dietary supplements(high risk) and they have no issues with it.

[nakamuru]

Originally Posted by Fishermanzz2

Authorize.net is awesome. I suggest going through Chase Paymentech because I sell dietary supplements(high risk) and they have no issues with it.

I too have chase paymentech. And they have so much rules and pamphlets etc.. but guess it's good. So if somehow paymentech doesn't work out and you get the boot does that mean you can still use authorize but just find a bank that is the payment provider?

[An0nym0u$]

Originally Posted by nakamuru

1). Am I able to go to another payment merchant that uses authorize and authorize won't care as long as the bank approves me (I'm guessing previous records from another bank won't matter or will authorize have records of their own they will use).

Yes

Originally Posted by nakamuru

2). are there lot of payment processors that utilize authorize.net? if one goes down i can go to the next.

Yes, there are many. Just need to call up authorize.net to have them add the new merchant info to your account.

Originally Posted by nakamuru

3). I do remember signing up with authorize directly before chase and was using them that way, so in some cases they are middle man but also direct merchant correct?

No authorize.net is not a merchant. You're missing the fact that authorize.net is just the gateway. They just collect the payment and send it to the merchant (bank) for processing.

[nakamuru]

Originally Posted by An0nym0u$

Yes



Yes, there are many. Just need to call up authorize.net to have them add the new merchant info to your account.



No authorize.net is not a merchant. You're missing the fact that authorize.net is just the gateway. They just collect the payment and send it to the merchant (bank) for processing.

I'm with paymnetech chase but before, i went to authorize.net and signe up directly with them so when I did that, that means authorize.net is a merchant if going directly to them. Paymentech i had to go via Chase... so can someone confirm this? I rather avoid going directly with authorize.. in case there is easier linkage

[iceman420]

I used authorized.net and was limited after the first month, but it was my fault, I listed my category of items as auto parts but sold other items and they shut it down for that specific reason. so dont do that.

Then I had to wait 6 months to get $2000 back just like paypal, BUT heres the kicker, they add some bogus processing fees to that so you wont get all the money back, they actually tried to tell me my balance was 112$ from $2000!!! i had to bitch like a mofo at these people and they ended up 'waiving' the fees after my tirade. I had no charge backs or any marks on my record either. now if i listed in the correct category I might have never had an issue, i think ill try them out again one day...

[nakamuru]

Originally Posted by iceman420

I used authorized.net and was limited after the first month, but it was my fault, I listed my category of items as auto parts but sold other items and they shut it down for that specific reason. so dont do that.

Then I had to wait 6 months to get $2000 back just like paypal, BUT heres the kicker, they add some bogus processing fees to that so you wont get all the money back, they actually tried to tell me my balance was 112$ from $2000!!! i had to bitch like a mofo at these people and they ended up 'waiving' the fees after my tirade. I had no charge backs or any marks on my record either. now if i listed in the correct category I might have never had an issue, i think ill try them out again one day...

Now we are getting to nitty gritty of authorize. I remember back in ebay days (like 17 years back) some sellers used authorize, and it was like paypal's nemesis. Never thought of using it but since paypal is gone it forced me to go here. And someone on the forum mentioned payment tech 2 months ago and i'm with them. I think they charge me a monthly fee so it's more expensive then paypal but gotta do what I have to do. And, I did mention to the representative who approved me if i can just use the api credentials and key and accept payment for my other shop i'm running . (sports related niche, while other is a pop culture niche).. But she said it needs to be separate.

Seems your items you were selling were completely dlifferent then auto parts? Was it like health related supplements or something?

[nakamuru]

Originally Posted by iceman420

I used authorized.net and was limited after the first month, but it was my fault, I listed my category of items as auto parts but sold other items and they shut it down for that specific reason. so dont do that.

Then I had to wait 6 months to get $2000 back just like paypal, BUT heres the kicker, they add some bogus processing fees to that so you wont get all the money back, they actually tried to tell me my balance was 112$ from $2000!!! i had to bitch like a mofo at these people and they ended up 'waiving' the fees after my tirade. I had no charge backs or any marks on my record either. now if i listed in the correct category I might have never had an issue, i think ill try them out again one day...

Also, 112$ to 2000... that brings quite the chills in me but I think paymentech is depositing to my bank account on a daily or every other day basis. So seems like the holds are not that severe.

Were you able to get back on authorize using another payment merchant? Or did they have tabs of your history....

As mentioned by members here they said that authorize is just a gateway or middleman but as mentioned from my experience I actually signed up with authorize.net directly to them so they might be direct and indirect with previous records?

[iceman420]

Originally Posted by nakamuru

Also, 112$ to 2000... that brings quite the chills in me but I think paymentech is depositing to my bank account on a daily or every other day basis. So seems like the holds are not that severe.

Were you able to get back on authorize using another payment merchant? Or did they have tabs of your history....

As mentioned by members here they said that authorize is just a gateway or middleman but as mentioned from my experience I actually signed up with authorize.net directly to them so they might be direct and indirect with previous records?

they said I could reopen an account anytime, just need to put the correct category for the items i would be selling.

[nakamuru]

Originally Posted by iceman420

they said I could reopen an account anytime, just need to put the correct category for the items i would be selling.

That's good but the hold is very startling. But interesting why they didn't desposit to your bank quickly right now authorize deposits to my bank without me doing manually like paypal.

Either way, guess one reason some people are scared of success.. You get lot of earnings then something happens. sigh

[storm1204]

I just opened an authorize.net. it has a paypal account option. If you use that can't you still accept paypal? Or will Paypal eventually flag it still. I sell on a website instead but I love Paypals immediate access and their seller protection. Was wondering if Authorize.net is a buffer.

[phaz0rz]

Originally Posted by storm1204

I just opened an authorize.net. it has a paypal account option. If you use that can't you still accept paypal? Or will Paypal eventually flag it still. I sell on a website instead but I love Paypals immediate access and their seller protection. Was wondering if Authorize.net is a buffer.

I got my hopes up when I saw that feature too - but I found out it's worthless for people like us. If you enable it, you link your Paypal account to your Auth.net account and all it does is makes your Paypal transactions show up in your Auth.net transactions. But the payments are still processed by Paypal, so you would still have to have Paypal active on your listings.

[storm1204]

Originally Posted by phaz0rz

I got my hopes up when I saw that feature too - but I found out it's worthless for people like us. If you enable it, you link your Paypal account to your Auth.net account and all it does is makes your Paypal transactions show up in your Auth.net transactions. But the payments are still processed by Paypal, so you would still have to have Paypal active on your listings.

What if you don't do ebay sales? I use a shopping cart on my website. They had an authorize.net plugin.

[nakamuru]

Originally Posted by phaz0rz

I got my hopes up when I saw that feature too - but I found out it's worthless for people like us. If you enable it, you link your Paypal account to your Auth.net account and all it does is makes your Paypal transactions show up in your Auth.net transactions. But the payments are still processed by Paypal, so you would still have to have Paypal active on your listings.

Wait are you saying you put in the authorize.net api credentials on ebay but wasn't able to use it cause you still need paypal?

Or were you trying to accept paypal as well as authorize (have best of both worlds and more sales)..

If it's the latter then it won't work, but if you were trying to use authorize as alternate to paypal on ebay, that will work right?