Certainly, any new service that would help stealth users would be welcomed. As others have pointed out, that does not mean that eBay will allow it. They still take the position that Google Checkout is an unproven service, even though it is backed by Google. In fact, if eBay could avoid allowing ANYTHING other than PayPal, they would do so. Only the threat of an antitrust lawsuit prevents them from doing that.
I don't think that anyone is trying to discourage you, they are just pointing out the realities of dealing with eBay.
Having said that, here is what I want from a merchant account provider. My current one that I use for my website comes CLOSE. They are not bad. But there is always room for improvement.
I want a merchant account provider to process my transactions at a reasonable cost. I am willing to pay fees for chargebacks, but $25 is unreasonable. It does NOT cost them anywhere near that to process them.
I am more than happy to provide my financial information, and allow a credit check, That is reasonable and normal. What I DON'T want is the merchant account provider to try to micro-manage my business. My first merchant account provider told me that I would have to have any new suppliers approved by them. I'm sorry, but that crosses a line as far as I'm concerned.
Now, I'm not asking that they allow the sale of illegal items, counterfeit merchandise, etc. But the suppliers that could be approved by the first company I dealt with all had higher prices. I cannot be competitive if I cannot buy my merchandise in the open marketplace.
If a chargeback request is made, I would like them to at least ATTEMPT to fight it, unless I am clearly in the wrong. Some buyers use chargebacks as their first option, and their banks allow it. That should not happen. If the buyer files for a chargeback without trying to resolve it with the seller first, then the seller should be given an opportunity to resolve it - and if resolved, it should NOT be counted as a chargeback.
If you feel that you need a deposit from me, or if you want to impose a "rolling reserve" please tell me this UPFRONT. Meaning BEFORE the contract is signed.
If we are doing business, and you decide that I am too risky as a seller, don't just cut me off without notice. I would understand this happening if I was caught doing something illegal, committing fraud, selling counterfeits, etc. But NOT just because I tripped some theoretical risk model. If you no longer want to do business with me, OK, that is your decision, but please give me some time to find another provider.
Please be honest and upfront about the fees. Salesmen always try to put their product in the best light to make the sale, which is understandable. But don't quote me one price and then bury the true cost in 3 point type on page 17 of the contract.
If, during our relationship, you feel that you need updated financial information from me, OK, that is reasonable. But please don't tell me on Thursday afternoon that if you do not have the information by 5pm on Friday, you will cut me off.
I don't know that you could do anything about this, but it drives me nuts that I get a charge approved, send the merchandise to the verified address, have delivery confirmation, did everything right and then am told the charge was fraudulent and I have to eat the loss. A retail merchant with a store would NEVER be asked to do that. And what is the last time you made a purchase any anyone checked your signature?
The most important thing for me is, if a problem comes up, please have someone available to discuss it that is NOT reading from a script. I don't want to deal with Robo-Rep. Have some flexibility to deal with the situation. In most cases, I have to believe that a compromise could be reached.
Of course, some of these things may be beyond your control. And I'm not suggesting that you put your money at risk for fraudsters to take advantage of you. But some of these rules are just insane. I was actually told once that even though my credit was good and my financials were fine, my rates were being increased due to demographic data based on my ZIP CODE. I am NOT a zip code!
Don't take this as a rant. I'm just trying to give you some insight into what we would want when using a merchant account provider.
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