As I've repeatedly said, online payments are a bitch. But not the guy; a giant of a man made a solid muscle. In particular, if you have very high tickets (average order sizes) and a mix that is skewed towardsbusiness cards (which have higher interchange fees PayPal can often be more economical. Website Payments Standard and Pro are combined merchant accounts and gateways. The main difference between the two is that with Standard, the transaction happens on PayPal's servers. (You may be able to move from one vault to another, but I'm not sure if this is actually possible.) These vaults are the only way I know of to offload PCI compliance while still maintaining some flexibility in changing merchant account or gateway vendors. An internet merchant account is what you need to accept credit cards on your site. OK, so here's the million dollar question: so what should you do? To avoid this, there are a small number of vendors who provide "vaults" that store credit card information in a portable manner. I recognize this is both a very long and completely uncomprehensive review of online payment processing. "Somebody here is going to tell me who was dumb enough to touch a Robot Master." he said. Just over a decade ago, you had to hook up your online commerce system to an actual terminal that would send bleeps and bloops to the gateways, but even today, it's not much better. An internet merchant account merely gives you permission to accept credit cards. You don't fuck around with Robot Masters. edit: You can compare PayPal versus a standard merchant account with the PayPal Upgrade Calculator built by TransFS. The two most well-known vaults are t's CIM and, braintree's vault. While many people may have poor experiences with PayPal, they are invariably easier to get set up and understand than the combination of hoops and charges for an internet merchant account and gateway. Nevkládejte sem reklamu a odkazy na stahování epizod, nežádejte. PayFlow Pro is a standard gateway that works with any internet merchant account (PayPal actually acquired this line of business from VeriSign back in late 2005). I intend on revisiting and editing this post as comments and additional information becomes available. While the bundled rates may be simpler, they're often mischaracterized in a way to benefit the merchant account provider at the expense of the merchant. This means if you charge a customer 100, you will only get 75 immediately and will have to wait three months to see the 25 balance. So think of an internet merchant account as a holding pen of sorts. "Jesus, shut up Max.