great info Robert, very appreciated.
right TheHun,
transactions in my case would always be over 3.000.- pesos b/c the most common transaction for my business is the one where customers pay a deposit for their charter, minimum deposit amounts are $100.-US.
and the other point is that VisaNet and CardNet both DO NOT have online cardprocessing running, that means the needed service is NOT AVAILABLE. they are just good to accept credit cards(Amex excluded) for the rest payments right here on board of my boats.
btw,
the actual processing fees which i pay are for VisaNet 4% of the transaction amount including that they provide the Verifone of course, that VeriFone is a landline based one, not wireless, so only good to use at the office.
on CardNet i pay 5% of the transaction amount plus a monthly fixed fee of 1.350.- pesos which includes the rent of the wireless VeriFone to process customers credit cards right on board of my boats, a service well worth those few monthly pesos.
the huge difference between VisaNet and CardNet is that VisaNet since january 16th 2009 can only accept Visa Cards, nothing else,
while CardNet allows me to accept the whole crowd of credit and debit cards(exception is Amex, but that one i don't need anyways), so for that the 1% higher rate on CardNet is reasonable because they provide a much higher service, i also prefer their customers service much over the very slow VisaNet service provided.
what i need and also TheHun who started the thread is to accept customers payment by credit/debit cards online,
VisaNet and CardNet do not offer those services.
both tell me since a long time they soon will do so, but till today none of them offered me to start such services.
i will wait for the answer of the Colombians.
if their services are in the reasonable range i sure will get in closer touch with them. an overall fee of 0.5-1.5% over the CardNet fees would be a reasonable difference for me to calculate in my customers rates without raisng the rates for my services.
hopefully i can get back here with more news soon.
thanks for all the provided info
Mike
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