Which payment gateway?

[Mercurial]

We are currently using WorldPay + FuturePay with moderncrap (mb).

 

I understand that WHMCS handles futurepay differently in that we need to upgrade our Futurepay account to "limited" and have everyone re-signup with new futurepay agreements.

 

This would be as good time as any to change our gateway method when we move on to this new billing system so in your opinion which gateway works the best? What are people using and what problems are there.

 

We want to be able to:

 

Use Recurring billing

Support 3D Secure (as required now?)

Have the card payments integrated into our order form, rather than the client going off to say worldpay and filling out the details.

 

As I understand it we have a few options with WHMCS:

 

- WorldPay Invisible (is this supported?), does it work similar to the below, therefore Futurepay wouldnt be required/supported?

 

- SECPay - Whats this like to use? I understand CC details aren't stored by the merchant?

 

- ProTX - I have read about problems with this, and indeed MB has many problems with it. Also they only support 3 banks for recurring payments I think?

[Matt]

ProtX is the only one of those 3 that we support 3D Secure with. Not aware of any problems with it. The user does have to leave your site to complete the 3D Secure process though.

 

WorldPay Invisible is supported and is an alternative to their FuturePay option. Likewise SecPay is supported. Neither involves the customer leaving your site.

 

All 3 work with automated recurring billing.

 

Matt

[Mercurial]

I'm aware that the user will need to leave the site for the 3D Secure verification, I'm fine with that.

 

Will SecPay and WorldPay Invisible support 3D Secure any time in the future? I have only read tid bits here and there, so excuse me if I have mis-information, but I thought it is going to be a necessary requirement soon to enforce 3dsecure?

[Mercurial]

be very interested to know how many people are using the secpay module, and some feedback on it?

[chickendippers]

I can't speak for WorldPay Invisible, but FuturePay already supports 3D Secure.

[Mercurial]

So at the moment it looks like this to me:

 

- ProTX module implements 3D Secure, but ProTX only support cardnet, barclays and BOS for Continuous Authority MA's. Additionally they only allow Visa and Mastercard payments to be recurring?

 

- WorldPay Invisible module, doesn't implement 3D Secure yet.

 

- SECPay module - Also doesn't implement 3D Secure yet, even though SECPay support it, but has better agreements with merchant account providers for continuous authority?

 

Ideally I'd like to hear from those of you who are using these 3 modules and the pro's/cons?

 

Cheers

[Mercurial]

Also what merchant provider do you use with the above payment modules? We are looking into streamline (from natwest) as that's who we bank with right now.