微信限制收付款怎么解决_解决付款处理问题
微信限制收付款怎么解决
During the early stages of launching your online store, you’ll need to make a number of critical decisions. Perhaps the most important of these is the way in which you’ll process your customer payments. You can choose to process the orders yourself using a true merchant account, or use a third-party processor. The method that you decide on could affect the implementation of your entire web site.
在启动在线商店的早期阶段，您需要做出一些关键的决定。 其中最重要的也许是您处理客户付款的方式。 您可以选择使用真实的商家帐户自己处理订单，也可以使用第三方处理器。 您确定的方法可能会影响整个网站的实施。
But how do you choose? Is price the single most important factor? What other factors are involved? In this article, we’ll uncover the answers to these questions by comparing a true merchant account to third-party processors. We’ll expose the differences between the two methods by comparing them side-by-side in real world examples, using a custom-built PHP calculator to aid us in our quest. Let’s not waste any more time!
但是你如何选择呢？ 价格是最重要的因素吗？ 还涉及哪些其他因素？ 在本文中，我们将通过比较真实的商家帐户和第三方处理器来找到这些问题的答案。 我们将通过使用定制PHP计算器在实际示例中进行并排比较来揭示这两种方法之间的差异，以帮助我们完成任务。 我们不要再浪费时间了！
基础 (The Basics)
Before we dive into the comparisons, let’s take a closer look at these two methods. With a true merchant account, you, the merchant, apply with a processing bank (usually through a sales agent) for the right to have a merchant account dedicated solely to your business. The merchant account is for your business alone and you are responsible for it in every way. You’re also responsible for providing a gateway to it, as this is not included with the account. (While some processing companies or sales agents will bundle a gateway with the merchant account for convenience, they’re separate entities and you’re usually free to use any gateway that you prefer). Basically, your merchant account is a direct account with Visa and Mastercard (and American Express and Discover Card, should you choose to accept payments from their members), so you must abide by their rules.
在深入比较之前，让我们仔细看看这两种方法。 使用真实的商人帐户，您(即商人)可以向加工银行(通常通过销售代理)申请拥有专门用于您的企业的商人帐户的权利。 商家帐户仅用于您的业务，您需要以各种方式对此负责。 您还负责为其提供网关，因为该帐户不包括该网关。 (虽然为方便起见，一些处理公司或销售代理会将网关与商户帐户捆绑在一起，但它们是独立的实体，通常您可以自由使用自己喜欢的任何网关)。 基本上，您的商家帐户是Visa和Mastercard的直接帐户(如果您选择接受其会员的付款，则是American Express和Discover Card)，因此您必须遵守其规则。
A third-party processor allows businesses and individuals to accept credit card payments through its own merchant account. Instead of applying directly through a processing bank, you apply through the third-party processor, which uses its own set of criteria to decide whether or not you’ll be eligible to use their services — the third party processor’s bank doesn’t even know you exist! A payment gateway of some form is automatically included as you must process all sales through the third-party processor’s system. The third-party processor holds all the cards, as they make all the rules by which you must abide, and they will hold you responsible for how your transactions affect their merchant account (the one that they’re allowing you to share).
第三方处理器允许企业和个人通过其自己的商家帐户接受信用卡付款。 您无需直接通过处理银行进行申请，而是通过第三方处理器进行申请，后者使用自己的一套标准来决定您是否有资格使用其服务-第三方处理器的银行甚至不知道你存在！ 系统会自动包含某种形式的付款网关，因为您必须通过第三方处理器的系统处理所有销售。 第三方处理者持有所有卡，因为它们制定了您必须遵守的所有规则，并且它们将使您对交易如何影响其商家帐户(他们允许您共享的卡)负责。
何时考虑第三方处理器 (When to Consider a Third-Party Processor)
When access to a true merchant account is impractical or impossible, a third-party processor is the obvious choice. When would this be the case? In situations such as those that follow.
如果无法访问或无法访问真实的商人帐户，那么显然要选择第三方处理器。 什么时候会是这种情况？ 在诸如此类的情况下。
-
The applicant is unable to acquire a true merchant account. Not everyone who wishes to accept credit cards is eligible for a true merchant account. Reasons for this may be:
申请人无法获取真实的商家帐户。 并非每个希望接受信用卡的人都有资格获得真正的商人帐户。 其原因可能是：
- The applicant is not a registered business. The four major credit card groups (Visa, MasterCard, American Express, and Discover Card) require that all applicants are legally registered businesses. Individuals are not allowed to process credit cards for personal use — this includes using their business’ merchant account for personal use. 申请人不是注册企业。 四个主要的信用卡组(Visa，MasterCard，American Express和Discover Card)要求所有申请人均为合法注册的企业。 不允许个人处理信用卡以供个人使用-这包括使用其公司的商家帐户供个人使用。
- The applicant has been blacklisted. The Match File, also known as the Terminated Merchant File, is the blacklist of the credit card processing industry. If you’re on this list, chances are that you won’t be able to establish a merchant account until you’ve rectified whatever caused you to be added to the blacklist. 申请人已被列入黑名单。 匹配文件(也称为终止商家文件)是信用卡处理行业的黑名单。 如果您在此列表中，则很可能只有在纠正了导致您被添加到黑名单中的所有内容之后，才能建立商家帐户。
- The applicant poses a high risk. Accepting credit cards online is a risky proposition. Fraud rates involved with online credit card payments are substantially higher when compared with traditional retail establishments. Certain types of merchandise may also pose a higher risk than others, such as electronics and other high ticket items. Combine a high risk item with the high risk Internet environment, and establishing a merchant account for your business suddenly becomes very difficult. 申请人构成高风险。 在线接受信用卡是一个冒险的提议。 与传统零售机构相比，在线信用卡支付所涉及的欺诈率要高得多。 某些类型的商品也可能比其他类型的商品(例如电子产品和其他高价商品)构成更高的风险。 将高风险项目与高风险Internet环境结合起来，突然为您的企业建立商家帐户变得非常困难。
- The applicant’s personal credit is questionable. As risk is the single most important factor in the world of merchant accounts, personal credit becomes a major factor in a merchant’s ability to establish an account. Since new businesses typically don’t have established credit, merchants must use their personal credit to support the business. It’s likely that merchants who have no credit or poor credit won’t be able to secure a merchant account, and if they do it will be one with prohibitively high rates. 申请人的个人信用值得怀疑。 由于风险是商人帐户世界中最重要的单个因素，因此个人信用已成为商人建立帐户能力的主要因素。 由于新企业通常没有建立信誉，因此商家必须使用其个人信贷来支持业务。 没有信用或信用不良的商人很可能无法获得商人帐户，如果这样做，那将是利率极高的商人。
The applicant is unable to acquire a true merchant account. Not everyone who wishes to accept credit cards is eligible for a true merchant account. Reasons for this may be:
申请人无法获取真实的商家帐户。 并非每个希望接受信用卡的人都有资格获得真正的商人帐户。 其原因可能是：
-
The applicant only processes small volumes of transactions. True merchant accounts are liable to incur additional fees that aren’t associated with third-party processors. This includes a monthly fee for having the merchant account open, and often a monthly minimum fee is charged if a certain level of activity is not met by your account. In addition, there’s also the monthly gateway fee, as well as the gateway setup fee. Tentatively, a merchant is looking at spending a few hundred dollars just to get started, followed by $50 a month, regardless of whether or not any transactions are made. For a small merchant who only processes a few hundred dollars of transactions a month, paying fees like this could wipe out their profits. For such a merchant a third-party processor would be preferable as fees are charged per transaction, eliminating the monthly fees and, in most cases, the setup fee as well.
申请人仅处理少量交易。 真实的商家帐户可能会产生与第三方处理器无关的额外费用。 这包括开设商户帐户的月费，如果您的帐户未达到一定的活动水平，通常会收取月最低费用。 此外，还有每月的网关费用以及网关设置费用。 暂且，商家正在考虑仅花费数百美元就可以开始使用，然后每月花费50美元，而不管是否进行任何交易。 对于一个每月只处理几百美元交易的小商人来说，支付这样的费用可能会抹去他们的利润。 对于这样的商人，第三方处理器将是更可取的，因为每笔交易都收取费用，从而消除了月度费用，并且在大多数情况下还消除了设置费。
-
The applicant is a non-programmer. Not everyone who wishes to accept credit cards online has the means to implement a complex API. Many merchants are non-technical with very little programming experience. While they possess the know-how and drive to get their store online, they simply can’t handle the more advanced payment methods. Third-party processors handle the bulk of the payment process, making the process incredibly simple. They’ll usually provide you with a few simple lines of code to place on your web site, and take over payment matters from there.
申请人是非程序员。 并非每个希望在线接受信用卡的人都可以实现复杂的API。 许多商人是非技术性的，几乎没有编程经验。 尽管他们拥有专有技术并愿意将其商店上线，但他们根本无法处理更高级的付款方式。 第三方处理者处理大部分付款过程，从而使该过程变得异常简单。 他们通常会为您提供一些简单的代码行，以放置在您的网站上，并从那里接管付款事宜。
Other Points to Consider
其他要考虑的点
Besides the key points that we’ve just talked about, there are other elements to keep in mind when considering a third-party processor.
除了我们刚才讨论的要点外，在考虑使用第三方处理器时，还需要牢记其他要素。
- Third-party processors do not perform credit checks. 第三方处理器不执行信用检查。
- They’ll usually accept high risk businesses without higher rates. 他们通常会接受没有较高利率的高风险企业。
- Rates are not negotiable. 价格不可商议。
- They can not be used with a separate processing gateway. 它们不能与单独的处理网关一起使用。
- The third party processor’s name appears on your customers’ credit card statements. 第三方处理者的姓名出现在客户的信用卡对帐单上。
- You can discontinue the relationship at any time without incurring a penalty. 您可以随时终止关系而不会受到任何处罚。
- It can take up to one month to receive any deposited funds. 最多可能需要一个月才能收到任何存款。
什么时候考虑真实商家帐户 (When to Consider a True Merchant Account)
When the idea of accepting credit cards online is posed to them, most merchants assume that they’ll need a merchant account with a payment gateway. There’s a good reason for this assumption, as all reputable online merchants use true merchant accounts. The reasons for this include:
当接受在线接受信用卡的想法时，大多数商人都认为他们需要一个具有支付网关的商人帐户。 这个假设有充分的理由，因为所有知名的在线商家都使用真实的商家帐户。 其原因包括：
-
Large volumes of transactions are processed. Although true merchant accounts incur fees that are not otherwise associated with third-party processors, merchants who process large volumes of transactions will pay less with a true merchant account because they’ll receive a better discount rate. The discount rate paid to a third-party processor can be as high as 6.00%, with a transaction fee of a dollar or more. A true merchant account can offer rates less than half this. As a result, a merchant’s savings with a true merchant account grows as the volume of transactions made on their account rise. Large volume merchants will easily clear the threshold that makes a true merchant account a financially superior option.
处理大量交易。 尽管真实的商家帐户会产生与第三方处理者不相关的费用，但是处理大量交易的商家将使用真实的商家帐户支付较少的费用，因为它们将获得更好的折扣率。 支付给第三方处理器的折扣率可能高达6.00％，而交易费用为一美元或更多。 真实的商家帐户所提供的费率不到此费用的一半。 结果，使用真实商人账户的商人储蓄随着其账户上交易量的增加而增加。 大量商户将轻松清除使真实商户帐户成为财务上的上乘选择的门槛。
-
Merchants have total control over the account. Since you’ve opened the merchant account specifically for your business, you have total control over it. It’s your name that appears on the credit card statements of your customers, you deal with customer support directly, and you have more freedom as to how you can use the account. Third-party processors tend to set rigid rules as they risk losing their merchant account if it’s determined to facilitate too many rule violations.
商家完全控制该帐户。 由于您已经为您的业务专门开设了商家帐户，因此您可以完全控制它。 这是您的名字出现在客户的信用卡对帐单上，您直接与客户支持部门联系，并且在使用该帐户方面拥有更大的自由度。 第三方处理器倾向于设置严格的规则，因为如果确定要促进过多的规则违规，他们就有失去其商家帐户的风险。
-
Merchant accounts offer transparent checkout. Most gateways offer an API (Application Programming Interface) for interacting with their services. This allows a programmer to communicate with the gateway directly from the merchant’s web site instead of taking the customer to the gateway’s web site and then back again. The transaction appears to be processed directly on the merchant’s web site, alleviating the problem of customers leaving the web site because they don’t feel comfortable with the purchase process.
商户帐户提供透明的结帐功能。 大多数网关都提供用于与其服务进行交互的API(应用程序编程接口)。 这允许程序员直接从商人的网站与网关进行通信，而不是将客户带到网关的网站，然后再次返回。 交易似乎直接在商人的网站上处理，从而减轻了客户离开该网站的问题，因为他们对购买过程不满意。
-
Merchant’s portray a more professional image. Most customers have a preconceived notion of what a professional website is. In the scope of this article, this means a seamless checkout process with pages that have the same look and feel as the rest of the website. It also means never leaving the website to complete the transaction. Using the API of a true merchant account allows you to achieve a transparent checkout that maintains the air of professionalism that’s expected from your customers.
商人的形象更专业。 大多数客户对专业网站是一个先入为主的观念。 在本文的范围内，这意味着页面和网站的其余部分具有相同外观的无缝结帐过程。 这也意味着永远不要离开网站来完成交易。 使用真实商家帐户的API，您可以实现透明的结帐，从而保持客户期望的专业水平。
Other Points to Consider
其他要考虑的点
- In applying for a true merchant account you’ll undergo a full credit check. 申请真实的商家帐户时，您将接受完整的信用检查。
- A merchant account can’t be used for personal use. 商家帐户不能用于个人用途。
- High risk businesses will pay much higher rates. 高风险企业将支付更高的利率。
- Rates are negotiable. 价格可议。
- A merchant account can be used with a separate processing gateway. 商家帐户可以与单独的处理网关一起使用。
- Your business name appears on your customers’ statements. 您的公司名称会显示在客户的对帐单上。
- You may be locked into a multi-year contract. 您可能被锁定了多年合同。
- Funds are usually deposited within 1-3 business days. 资金通常会在1-3个工作日内存入。
并排比较 (Side-by-side Comparison)
Okay, so we’ve established that there are quite a few differences between a true merchant account and a third-party processor. These differences are ultimately what cause the merchant to choose between the two methods, as one or the other will fulfill his or her specific needs. However, we’ve only skimmed the surface of the primary factor that influences a merchant’s decision: cost. I’m not saying that the other points that we talked about aren’t important — they are, and certainly weigh in on the final decision — but most ecommerce startups have tight budgets and small margins, and for them, cost is the single most important factor in choosing a payment method.
好的，因此我们已经确定，真实的商家帐户和第三方处理器之间存在很多差异。 这些差异最终是导致商人在两种方法之间进行选择的原因，因为一种或另一种将满足他或她的特定需求。 但是，我们只是略过影响商家决策的主要因素：成本。 我并不是说我们谈论的其他要点并不重要-它们确实重要，并且肯定会影响最终决策-但大多数电子商务初创公司的预算都很紧，利润微薄，对于他们来说，成本是唯一选择付款方式的重要因素。
What better way to work out the most cost-effective method than comparing all the methods to see which is best for your business? Sounds great, right? But what do you need to compare? Can you name all of the third party providers that you might consider using?
与比较所有方法以找出最适合您的业务的方法相比，有什么更好的方法来制定出最具成本效益的方法？ 听起来不错，对吗？ 但是您需要比较什么？ 您可以命名您可能考虑使用的所有第三方提供商吗？
Enter: the php calculator. To ease the task of comparing a true merchant account to a third party processor, I’ve rounded up the rates and fees of the more popular third-party processors and thrown them into a user-friendly interface that will allow you to work out which is the most cost-effective method for you. You can access the calculator here. Feel free to use this calculator to follow on with the comparisons that we’re going to make, and to make your own comparisons.
输入：php计算器。 为了简化将真实的商家帐户与第三方处理器进行比较的任务，我汇总了比较流行的第三方处理器的费率和费用，并将其放入易于使用的界面中，以便您确定对您来说是最经济的方法。 您可以在此处访问计算器 。 随时使用此计算器进行我们将要进行的比较，并进行自己的比较。
比较的目标 (The Goals of the Comparison)
It’s fairly difficult to compare apples with apples in this case because the needs of each business will vary, as will the offers that they receive. Instead, we’ll take the core principles that are involved in a cost comparison and use these to get an idea of where each provider stands in relation to the others.
在这种情况下，将苹果与苹果进行比较是相当困难的，因为每个企业的需求都会有所不同，他们收到的报价也会有所不同。 相反，我们将采用成本比较中涉及的核心原则，并利用它们来了解每个提供商相对于其他提供商的地位。
We’ll do more than just scratch the "whose rate is lower?" surface, looking closely at the factors that every business should consider: their short and long term costs. Our cost comparison will not only look at the monthly costs associated with accepting credit cards online, but also at the costs incurred before a merchant can begin accepting the cards, through to their annual cumulative costs.
我们将做更多的事情，而不仅仅是“降低利率？” 从表面上看，仔细研究每个企业应考虑的因素：其短期和长期成本。 我们的成本比较不仅会查看与在线接受信用卡相关的月度费用，还会查看商家开始接受信用卡之前产生的费用，直至年度累计费用。
入门 (Getting Started)
Before we can make a successful comparison, we’ll need to collect some sample data, namely the fees associated with true merchant accounts and third party processors.
在进行成功比较之前，我们需要收集一些示例数据，即与真实商家帐户和第三方处理程序相关的费用。
-
setup fee: how much you need to pay to establish the account
开户费：建立帐户需要支付的费用
-
discount rate: the percentage of sales that the processor takes
折现率：加工商获得的销售百分比
-
transaction fee: the flat fee the processor charges for each transaction
交易费用：处理器为每笔交易收取的固定费用
-
monthly fee: the monthly fee associated with keeping the account active
月费：与保持帐户活跃相关的月费
-
gateway setup fee: the cost to set up a gateway
网关设置费：设置网关的费用
-
gateway monthly fee: the monthly fee charged by the gateway provider for use of their payment gateway services
网关月费：网关提供商使用其支付网关服务收取的月费
Now we know what to expect in our quote from a true merchant provider. To make a proper comparison, we only need two pieces of information from our business:
现在，我们知道从真正的商家提供商那里获得的报价会有什么期望。 为了进行适当的比较，我们仅需要业务中的两条信息：
-
average transactions per month: the number of transactions that you’ll process each month
每月平均交易数：您每月将处理的交易数
-
average ticket size: how much the average customer will spend on your web site
平均票务大小：普通顾客将在您的网站上花费多少
我们将比较谁 (Who we’ll Compare)
There’s an abundance of third-party processors to choose from. In this article, we’re going to compare PayPal Basic, 2CheckOut, and WorldPay against a true merchant account.
有大量的第三方处理器可供选择。 在本文中，我们将比较PayPal Basic ， 2CheckOut和WorldPay与真实的商家帐户。
The fees for these third party processors are fixed and thus no quote is necessary. As a result, their fees are hard-coded into our calculator. I’ve also listed them here for your reference.
这些第三方处理器的费用是固定的，因此无需报价。 结果，他们的费用被硬编码到我们的计算器中。 我也在这里列出了它们供您参考。
2CheckOut
2结帐
- Setup Fee: $49 设立费：$ 49
- Discount Rate: 5.50% 折扣率：5.50％
- Transaction Fee: 45¢ 交易费用：45¢
- Monthly Fee: $0.00 月费：$ 0.00
WorldPay
WorldPay
- Setup Fee: $299.00 设立费：$ 299.00
- Discount Rate: 2.95% 优惠率：2.95％
- Transaction Fee: 35¢ 交易费用：35¢
- Monthly Fee: $35.00 月费：$ 35.00
PayPal Basic
贝宝基本
PayPal has different rates, depending on the monthly volume of your transactions. As your monthly volume grows, PayPal rewards you by lowering your rates. There are four tiers available.
PayPal有不同的费率，具体取决于您每月的交易量。 随着您的月交易量的增长，贝宝会通过降低费率来奖励您。 有四层可用。
-
A monthly volume of less than $3,000:
每月交易额少于$ 3,000：
- Setup Fee: $0.00 设立费：$ 0.00
- Discount Rate: 2.90% 优惠率：2.90％
- Transaction Fee: 30¢ 交易费用：30¢
- Monthly Fee: $0.00 月费：$ 0.00
A monthly volume of less than $3,000:
每月交易额少于$ 3,000：
-
A monthly volume of greater than $3,000, but less than $10,000:
每月交易量大于$ 3,000，但小于$ 10,000：
- Setup Fee: $0.00 设立费：$ 0.00
- Discount Rate: 2.50% 折现率：2.50％
- Transaction Fee: 30¢ 交易费用：30¢
- Monthly Fee: $0.00 月费：$ 0.00
A monthly volume of greater than $3,000, but less than $10,000:
每月交易量大于$ 3,000，但小于$ 10,000：
-
A monthly volume of greater than $10,000, but less than $100,000:
每月交易量大于10,000美元，但低于100,000美元：
- Setup Fee: $0.00 设立费：$ 0.00
- Discount Rate: 2.20% 折扣率：2.20％
- Transaction Fee: 30¢ 交易费用：30¢
- Monthly Fee: $0.00 月费：$ 0.00
A monthly volume of greater than $10,000, but less than $100,000:
每月交易量大于10,000美元，但低于100,000美元：
-
A monthly volume of greater than $100,000:
每月交易额大于$ 100,000：
- Setup Fee: $0.00 设立费：$ 0.00
- Discount Rate: 1.90% 优惠率：1.90％
- Transaction Fee: 30¢ 交易费用：30¢
- Monthly Fee: $0.00 月费：$ 0.00
A monthly volume of greater than $100,000:
每月交易额大于$ 100,000：
Even though PayPal Pro is not being considered in this article, it varies very little from PayPal standard. The only two cost differences are the elimination of the fourth tier for sites processing over $100,000 per month, and the addition of a $20 per month fee. This results in an additional $240 added to PayPal’s total costs after a year.
即使本文不考虑PayPal Pro，它与PayPal标准的差异也很小。 仅有的两个成本差异是取消了每月处理100,000美元以上的站点的第四层费用，以及每月20美元的费用。 一年后，PayPal的总费用将增加$ 240。
True merchant account rates vary by provider. Our fictitious company received the following quote for a merchant account and gateway from SitePoint Merchant Services (a fictitious merchant services provider):
真实商家帐户费率因提供商而异。 我们的虚拟公司从SitePoint Merchant Services(虚拟商人服务提供商)那里收到了以下有关商人帐户和网关的报价：
- Setup Fee: $0.00 设立费：$ 0.00
- Discount Rate: 2.20% 折扣率：2.20％
- Transaction Fee: 30¢ 交易费用：30¢
- Monthly Fee: $10.00 月费：$ 10.00
- Gateway Setup Fee: $99.00 网关设置费：$ 99.00
- Gateway Monthly Fee: $15.00 网关月费：$ 15.00
These rates are representative of the costs associated with an average true merchant account, and are more than sufficient for our comparison.
这些费率代表与平均真实商户帐户相关的成本，对于我们的比较来说绰绰有余。
To obtain an accurate comparison, we’ll need a representation of the different kinds of merchants that may be using the payment services, as not all merchants will have the same needs. We’re going to compare five different merchants with various ticket sizes and monthly volumes, which have very different process needs.
为了获得准确的比较，我们需要代表可能使用支付服务的不同种类的商家，因为并非所有商家都有相同的需求。 我们将比较五种不同的商人，它们具有不同的票证大小和月交易量，它们具有不同的流程需求。
Mega Merchant: high average ticket and high monthly volume Average Ticket: $200 Average Number of Transactions: 500
超级商人 ：平均机票较高，每月交易量较高平均机票：200美元平均交易数量：500
Super Merchant: high average ticket and low monthly volume Average Ticket: $200 Average Number of Transactions: 5
超级商家 ：平均机票较高，每月交易量较低平均机票：$ 200平均交易数量：5
Bargain Merchant: ;ow average ticket and high monthly volume Average Ticket: $15 Average Number of Transactions: 600
讨价还价的商人 ：; ow平均票价和较高的每月交易量平均票价：$ 15平均交易数量：600
Mini Merchant: low average ticket and low monthly volume Average Ticket: $15 Average Number of Transactions: 20
小型商家 ：平均机票价格低，每月交易量低平均机票：$ 15平均交易数量：20
Average Merchant: medium average ticket and medium monthly volume Average Ticket: $45 Average Number of Transactions: 220
平均商家 ：中等平均水平和中等月度平均水平平均水平：$ 45平均交易数量：220
我们的比较结果 (Results of Our Comparison)
Mega Merchant has a high average ticket price ($200), and also does a high volume of transactions per month (400). The results of our comparison produced the following results:
Mega Merchant的平均机票价格很高($ 200)，而且每月的交易量也很高(400)。 我们的比较结果产生了以下结果：
In this scenario, the true merchant works out to cost substantially less than two of the three third-party processors. PayPal Basic charged less, but only slightly. For a merchant of this size, the true merchant account and gateway would be preferable over PayPal Basic, as the advantages offered by a true merchant account (total control and customization, as discussed earlier in the article) outweigh the cost-savings incurred by PayPal Basic. A merchant of this size is also likely to receive a lower discount rate from a true merchant account provider, further increasing their incentive to choose a true merchant account.
在这种情况下，真正的商人要花费的成本大大少于三个第三方处理器中的两个。 PayPal Basic收费较低，但仅收取少量费用。 对于这种规模的商家，与真实的客户帐户和网关相比，PayPal Basic更可取，因为真实的商家帐户所提供的优势(如上文所述，完全控制和自定义)比PayPal节省的成本要多基本的。 这种规模的商人也有可能从真实的商人帐户提供者处获得较低的折扣率，从而进一步增加了他们选择真实的商人帐户的动机。
Super Merchant has a high average ticket price ($200), but only fulfills a low number of transactions per month (5). Our comparison produced the following results:
超级商家的平均机票价格较高($ 200)，但每月仅完成少量交易(5)。 我们的比较得出以下结果：
Despite PayPal’s higher fees, it’s clearly the best option for Super Merchant. WorldPay would also be a favorable choice if its setup fee was not so high. Choosing a true merchant account over 2CheckOut provides only a slight saving. The simplicity offered by third party processors (with no gateway to integrate) makes them even more attractive to a merchant of this size.
尽管PayPal收取更高的费用，但这显然是Super Merchant的最佳选择。 如果WorldPay的安装费用不太高，那么它也是一个不错的选择。 通过2CheckOut选择真实的商家帐户只会节省一点点。 第三方处理器提供的简便性(无需集成网关)使它们对这种规模的商人更具吸引力。
Bargain Merchant has a low average ticket price ($15) but processes a high volume of transactions per month (600). The results of our comparison were as follows:
讨价还价商家的平均机票价格较低(15美元)，但每月处理的交易量很高(600)。 我们的比较结果如下：
Despite this merchant’s bargain prices, a substantial volume of transactions are still processed monthly. Here, WorldPay and 2CheckOut are well out of the merchant’s price range, leaving PayPal Basic as the acceptable alternative over a true merchant account. In this case, as with Mega Merchant, the advantages offered by the true merchant account offset the cost savings offered by PayPal Basic.
尽管此商家的交易价格便宜，但仍每月进行大量交易。 在这里，WorldPay和2CheckOut远远超出了商家的价格范围，因此在真正的商家帐户上可以使用PayPal Basic作为替代方案。 在这种情况下，与Mega Merchant一样，真实商家帐户提供的优势抵消了PayPal Basic提供的成本节省。
Mini Merchant has a low average ticket price ($15) and processes a low volume of monthly transactions (20). The results of our comparison were as follows:
Mini Merchant的平均机票价格低(15美元)，每月交易量低(20)。 我们的比较结果如下：
PayPal Basic is often mentioned as the best choice for a merchant of this size, and the results show why. There’s no question here as to which option best suits the merchant.
对于这种规模的商人，PayPal Basic通常被认为是最佳选择，结果表明了原因。 毫无疑问，哪种选择最适合商人。
Average Merchant has an average average ticket price, that’s neither high nor low ($45), and processes a moderate amount of transactions per month (200). Our comparison produced the following results:
普通商家的平均机票平ASP格既不高也不低($ 45)，并且每月处理中等数量的交易(200)。 我们的比较得出以下结果：
For Average Merchant, no one company stands out in terms of cost. Our results show that it boils down to a choice between a true merchant account, and PayPal Basic. Average Merchant would almost certainly choose the merchant account, as again, the advantages offered by a true merchant account offset the cost-savings incurred by PayPal Basic. A true merchant account will allow Average Merchant to portray the appearance of a much larger company, and hopefully grow into one.
对于普通商家而言，没有一家公司在成本方面脱颖而出。 我们的结果表明，它归结为一个真正的商人帐户和PayPal Basic之间的选择。 普通商家几乎肯定会选择商家帐户，同样，真实商家帐户提供的优势抵消了PayPal Basic节省的成本。 一个真实的商人帐户将使普通商人能够描绘一家更大的公司的外观，并有望成长为一家公司。
结论 (Conclusion)
By now, you should have some idea as to how a true merchant account differs from a third-party processor. While both these methods ultimately allow you to process credit card payments online, the way in which they’re implemented is very different, as are the advantages offered by each.
到目前为止，您应该对真实的商家帐户与第三方处理器有何不同有所了解。 虽然这两种方法最终都可以让您在线处理信用卡付款，但实现方式却大不相同，每种方法都具有优势。
Something that you should be aware of is the fact that every business is different. Throughout this article, I’ve used a lot of generalizations which may not apply to your business. Be sure to consider all the facets involved with accepting credit cards online, not just the costs involved. Sometimes, paying an additional few dollars a month can mean an enhancement in your customers’ shopping experience, and in the professional appearance of your business.
您应该意识到的一点是，每个业务都是不同的。 在整篇文章中，我使用了很多概论，这些概论不适用于您的业务。 请确保考虑在线接受信用卡涉及的所有方面，而不仅仅是所涉及的费用。 有时，每月多付几美元，可能会改善客户的购物体验，并改善企业的专业形象。
As with any major decision, take the time to explore all your options. The more research you do, the more likely you’ll be to find a cost-effective solution that best suits your needs.
与任何重大决定一样，花点时间探索所有选项。 您进行的研究越多，就越有可能找到最适合您需求的具有成本效益的解决方案。
微信限制收付款怎么解决