Undecided if that is the proper place to submit, however right here goes.

What’s the perfect fee processor to make use of in ecommerce proper now? Presently utilizing paypal, we now have 10+ yr previous account in superb standing however here is what i am inquisitive about :

1. transaction charges – not vital really – i see charges are comparable for all processors so it is not an enormous deal, however having a lot decrease charges than the market common could be a plus
2. pleasant fraud – i hate the way in which paypal offers with it and likewise hate the truth that we do not get vendor safety on all orders (simply on a few of them, not positive what is the standards, for 50% of US orders we now have vendor safety if we observe their suggestions, for the opposite 50%, additionally US orders, we do not). we collect all types of particulars concerning the purchaser, however not even as soon as paypal dominated in our favor in terms of pleasant fraud.
3. fee payment returns – i see this frequent throughout all main, if the shopper decides to cancel or we simply need to do a full refund as a result of the order is marked as excessive danger, we lose the fee processing payment (and for orders $200 and better these are some critical charges that begin to add up).

I’ve checked out paypal, stripe, amazon funds, [authorize.net](https://authorize.web/), 2checkout – all look the identical to me…

I do not thoughts paying 6-7% processing payment (we at the moment pay 5%) simply to be on the secure aspect with pleasant fraud and payment returns.

Any strategies women and gents? Any optimistic experiences in terms of pleasant fraud and payment returns?