NETbilling vs. Other Leading Transaction Processors

Features & Benefits
NETbilling
Leading (IPSP) Third Party Processors
Leading Transaction Gateway Processors
Costs

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.

Control
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 standardized reports.
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 days.
Transaction Speeds
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 Payment Options
Accepts all major credit cards, online checks, and toll free phone orders. Various credit cards, online checks, and web900 orders. Accepts major credit cards and online checks.
Merchant Account Acquisitions Knowledgeable in-house staff assists with directing the merchant to the best merchant bank for their processing needs. We can provide average merchant account pricing depending on the bank and refer you to our rep for quick and efficient assistance. We work with Domestic and Offshore. Mainstream and High Risk. Numerous options available. Merchant owns customer data and has direct relationship with the bank. 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 ratios. 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 never displayed. 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 allowed. Compatible with many commercial shopping cart systems. Integration with custom carts.
Recurring Billing Options And Payment Forms 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 automated rebilling. Customized or processor branded payment pages. Some offer basic recurring billing.
Customer Service 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 if available.
Affiliate Management Affiliate program integration with NATS, MPA3, Affiliatetracking.net, X3 scripts and dozens of other programs. 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 than 5%. Only available for certain business types, may not allow automated rebilling, fees as high as 20% per transaction.

Limited business types.

2%-5% per check + $2-$5 per transaction.

Processor Adaptivity
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.