<html><head></head><body style="word-wrap: break-word; -webkit-nbsp-mode: space; -webkit-line-break: after-white-space; "><div>Maybe I am missing the point here, but why not use paypal, or google checkout (if you don't need recurring)?</div><div><br></div><div>Paypal does recurring: <a href="https://www.paypal.com/uk/cgi-bin/webscr?cmd=p/xcl/rec/subscr-intro-outside">https://www.paypal.com/uk/cgi-bin/webscr?cmd=p/xcl/rec/subscr-intro-outside</a> and also micro-payments. <br><div><br></div><div>When you get to the stage that paypals' 5% is loosing you more than it would cost to implement a proper payment gateway, the company bank account would be showing a healthy enough balance and history to get verified / credit checked.</div><div><br></div><div>Jason Green</div><div><a href="http://www.dynamic50.com">http://www.dynamic50.com</a></div><div><br></div><div><br></div><div><br><div><div>On 28 Jan 2011, at 15:07, Anthony Eden wrote:</div><br class="Apple-interchange-newline"><blockquote type="cite">It seems significantly more difficult to get all of this to work together in the UK (and possibly the EU as a whole) than in the US. I was able to set up a merchant account + <a href="http://Authorize.net">Authorize.net</a> + Chargify in the US in about 3 weeks total, and most of that was just waiting for approval from the merchant account.<div>
<div><div><br></div><div>Sincerely,</div><div>Anthony Eden<br><br><div class="gmail_quote">On Fri, Jan 28, 2011 at 4:01 PM, Paul Wilson <span dir="ltr"><<a href="mailto:merecomplists01@googlemail.com">merecomplists01@googlemail.com</a>></span> wrote:<br>
<blockquote class="gmail_quote" style="margin:0 0 0 .8ex;border-left:1px #ccc solid;padding-left:1ex;"><div class="im"><br>
On 28 Jan 2011, at 14:38, Zach Inglis wrote:<br>
<br>
> We were going to do a similar setup, except we're doing it with Lloyds and it's proving to be a nightmare.<br>
<br>
</div>This is making me cross, in a write to my MP kind of way.<br>
<div class="im"><br>
><br>
> They are suggesting they do not recognise Recurly as a safe company even though they are PCI Compliant. You may have the same problems with HSBC so do check before you invest too much money. Because this is a new company, we're unfortunately having to deposit £10,000 also as backup payment. You may find yourself in the same boat if you have no trading history.<br>
><br>
<br>
</div>Thanks for the warning. It's something I'll check for. Is that with Recurly + SagePay, or are you using a different payment gateway?<br>
<br>
Having read<br>
<br>
<a href="http://danieltenner.com/posts/0006-how-to-get-a-merchant-account.html" target="_blank">http://danieltenner.com/posts/0006-how-to-get-a-merchant-account.html</a><br>
and<br>
<a href="http://blog.boxedice.com/2009/05/20/taking-payments-online-merchant-account-payment-processor-fees/" target="_blank">http://blog.boxedice.com/2009/05/20/taking-payments-online-merchant-account-payment-processor-fees/</a><br>
<br>
I'm going to try a number of banks, and also see about joining The Federation of Small Businesses(*), as may people are suggesting that their Merchant Account discounts are worthwhile.<br>
<br>
<br>
(*) <a href="http://www.fsb.org.uk/" target="_blank">http://www.fsb.org.uk/</a> (Cheesy website warning).<br>
<div class="im"><br>
<br>
> The number one advice I have always got when building startups was "Don't roll your own billing system" by the way.<br>
><br>
<br>
<br>
</div>Probably good advice. Right now, we're planning to launch with a non-subscription based model - that way we can use PayPal (etc...) standard and we're not locked in to an account or gateway. Oh hum.<br>
<br>
<br>
--<br>
<font color="#888888">Paul<br>
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