What is the best online payment processor, moneybookers, Google Checkout or paypal?


I have developed a website and I want to integrate an online payment system with my website. What is the best online payment tool, moneybookers, Google Checkout or paypal?

Payments Website

asked Jan 12 '10 at 22:53
1 point
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3 Answers


We use authorize.net. They are very large, great service, best of class pricing.

answered Mar 23 '10 at 02:12
Keith De Long
5,091 points


This topic is discussed at length on Joel Spolsky's Business of Software (BOS), and there's a few threads dedicated to this topic at the
Scroll to the middle of the page to find the topics on payment processors.

I just signed up with FastSpring as my payment processor, and am very happy with them. It only took a day to convert from PayPal. Fastspring also includes PayPal as a payment option, so I didn't loose PayPal as a payment option for my product.

answered Jan 13 '10 at 00:52
216 points


PayPal has no shortage of bad press online from sellers.

However, as a buyer, PayPal really increases my own propensity to make small / impulse purchases. Good buyer protection, no need to share credit card details, trusted brand, and the fact that my account is already sometimes funded.

I personally think you'd have to offer it, but others may have more detail re effect on your conversion rates.

answered Jan 13 '10 at 01:11
Benjamin Wootton
1,667 points
  • Just a note on this, as a seller you have basically no protection if you provide electronic goods. My business has a rather high rate of fraud simply because it is so easy to dispute a transaction, and we have no "proof of delivery" like a shipping receipt for a real item, so cases always result in the money going back to the buyer. – Kort Pleco 12 years ago
  • To add a bit of balance, while you have less protection selling electronic goods we have found arguing and providing the customers billing details, IP at purchased, IP and time of download and most importantly Activation time/domain/ip normally is enough proof depending on what they are arguing we win 9/10 cases, though thats skewed based on a high volume and very low dispute rate well under 1%. The low dispute is obvious partly product/customer service related but also we clearly explain what evidence we have and how we deal with PayPal disputes. We then ask people to email and engage direct. – Tim Nash 12 years ago

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Payments Website