Anyone have experience with ANY of the below payment gateways (some do merchant services as well) that you can comment on:
Also, anyone who has experience with strong merchants that would take on "high risk" industries, such as Online Dating.. your comments would be much appreciated.
Thank you everyone.
We've used Authorize.net on 2 e-commerce sites for almost 3 years. We've had absolutely no problems with them at all. They have two options for integration: simple and advanced. The simple integration method requires a redirection to their site. The advanced integration method allows you to make API calls with your own code so you can retain the look & feel of your site.
Most we know who have worked with Authorize.net seem to be happy with them. They have a larger feature set than some of their competitors, and they get online txns better than most. You're right to care about PCI compliance and where CC #s are stored, you don't want to be storing any CC #'s.
PayPal is awful. Their APIs are in continual flux, their documentation is terrible, their support is abysmal, and their sales staff will outright lie to you ("No, you can't do recurring payments at that level, you'll have to upgrade").
Worse still, their offering isn't fully baked. As of 4/30/2010 they don't support taxes for recurring payments, so you'll have to do all the accounting yourself and include the tax in your price. Their test infrastructure requires that you set up recurring payments and then wait for them to fire -- a day later -- to figure out what the actual structure of the messages are.
If you start using them, you'll end up burning a lot of time and making getting away from them a priority. Stay away.
We switched to Authorize.net about 18 moths or so ago. We're saving significant money over are old processor and much more happy with the service. So far it's been great.
If you're selling subscriptions or re-occurring payments on your site, Recurly sound very interesting. This is their entire business model, so it's in their interests to get the whole integration as streamlined as possible. I'm hoping to be testing them out in a couple of months.
Have used Authorize.net for the last 4 years, no issues. Had issues opening an account with Braintree, as any business dealing with anything related to finance or investing it seems, gets more scrutiny.