NETbilling vs. Other Leading Transaction
(IPSP) Third Party Processors
Transaction Gateway Processors
1.5% and 15 cents per transaction OR a flat rate per
transaction and $25 per month plus merchant account
fees. Unlimited sites at no additional cost. No setup
costs. Tremendous volume discounts offered.
Direct merchant relationship with NETbilling.
|Fees as high as 15+% per transaction
domestically and 18+% internationally, 10% reserve, per
site fees, and bank wire fees.
$199-$399 setup fees plus various monthly
and transaction fees.
Typically uses "resellers" for merchant acquisition
with no direct relationship with merchant.
|Fully customizable fraud scrubbing, real
time comprehensive reporting, payment forms, shopping
carts and customer service policies.
Merchant owns and has control over all customer data.
|Processor sets your scrubbing, customer
service policies, standard reporting, and displays their
name on payment forms and customer's statement. Merchant has no control or rights to customer data.
||Minimal control over fraud scrubbing and
Payouts / Settlements
|Daily funds deposits directly to your bank
account - over 300 pay days per year.
||Semi-monthly / Monthly payouts, by bank
wire (fees deducted) or check by mail.
||Daily batch closures, deposits on business
|Average transaction processed in 2.5 seconds.
Immediate notification of approval, real time statistics
available in web based administration area.
||Average transaction under 5 seconds.
||Average transaction 2-5 seconds.
Credit Card And Other
|Accepts all major credit cards, online checks,
and toll free phone orders.
||Various credit cards, online checks, and
||Accepts major credit cards and online checks.
|Merchant Account Acquisitions
||Full assistance provided with merchant account
obtainment. Applications provided directly, knowledgable
inhouse staff available to offer answers and explanations
regarding policies, acceptance and approval criteria,
card association regulations, pricing structures and account
maintence. Domestic and Offshore. Mainstream and High
Risk. Numerous options available. Merchant owns customer
|| Transactions sent through aggregate merchant
account or individually through an IPSP. Merchant has
no right to own customer data.
||Little to no assistance with merchant accounts.
Outside referrals to banks instead of in-house department.
|Risk Management / Fraud Scrubbing
||Fully customizable "Fraud Defense"
risk management system. AVS and CVV2 verification standard,
plus 12 supplementary webmaster tools, inlcuding public
and private negative database screening and much more.
Complete flexibility for the highest sales conversion
||Multiple fraud tools. However, none are
accessible to merchant or customizable by the merchant
resulting in lower conversion ratios and lack of control.
||Basic fraud tools with little or no customization.
|Administrative Reporting Capabilities
||Numerous advanced realtime reporting options.
Fully customizable reports with hundreds of variable
fields. Standard frequently used hard coded reports also
availble. Viewable online or easily downloadable.
||Hard coded reports. Full customer information
||Basic reporting available.
|Shopping Cart Compatibility
||Free customizable hosted shopping cart.
Extremely simple to implement. Compatibility with multiple
commercial carts and custom shopping cart systems including
OScommerce, X-cart, Miva and dozens of others.
||Proprietary cart when product sales are
||Compatible with many commercial shopping
cart systems. Integration with custom carts.
|Recurring Billing Options And
||Automatic recurring billing including password
management and prorating for both credit cards and ACH,
including trial memberships. Transactions processed on
your secure server or ours for complete flexibility.
||Processor branded payment pages including
||Customized or processor branded payment
pages. Some offer basic recurring billing.
||24/7/365 Support for you and your customers.
Full service call center available by phone/email to handle
billing inquires, technical difficulties, cancellation
requests, order placement, etc. Capabilities to provide
outbound telemarketing and order verification.
||Standard 24/7/365 support typically available.
||Support during normal business hours. After
hours and extended support must be purchased separately
||Affiliate program integration with NATS,
MPA3, Affiliatetracking.net, X3 scripts and dozens of
||Proprietary built-in affiliate
program. Some compatible with major third party programs.
||Integrates with some third party programs.
Some offer built in programs as well.
|Check Processing Features
||No merchant account needed. Available through
all payment platforms and for most business types, API,
shopping cart and virtual terminal included. Supports
our automated recurring billing. Average cost is less
||Only available for certain business types,
may not allow automated rebilling, fees as high as 20%
Limited business types.
2%-5% per check + $2-$5 per transaction.
|Seamless changeover from other processors
including database importation.
||Little or no import capabilities, databases
not commonly available to take with you to another processor.
Limited database imports may be available.