Re: Credit Card Declined - Google Automatically Sends Email to cus

I have some interesting stats on this exact thing (albeit
regarding
PayPal versus GC).

One of my customers had done some work for her brother.  He
traditionally had sold his widgets on Ebay with PayPal.  She
built him a
site and set it all up, etc.  They initially used PayPal and
found that
people were exiting at the checkout page.

She used her Merchant Account and set it up as a trial.

The change was immediate.  Going from almost 100% exit rate
down to 30%
by simply having a "normal" option to PayPal.

Just thought I'd throw in my two cents....

Tony

www.ez-order-manager.com 

-----Original Message-----
From: google-checkout-api-integrationgooglegroups.com
[mailto:google-checkout-api-integrationgooglegroups.com] On Behalf Of
checktest
Sent: Monday, March 12, 2007 5:08 PM
To: Google Checkout Developers Forum - API Integration
Basics
Subject: [google-checkout-api-integration] Re: Credit Card
Declined -
Google Automatically Sends Email to customer


This is kind of a double-edged sword.  Some customers may
say "Great!
I definitely trust this because Google involved."  I
think lots of
people, though, understand that businesses that have their
own merchant
account have gone through a much more stringent screening
process than
Google (or PayPal) merchants do, have higher costs, and must
follow a
very specific set of rules.  Merchants that use shared
processing, to
me, scream "fly-by-night" and I don't know how to
get past that.  Also,
consumers aren't all that worried about security anyway,
since the
credit card companies cover virtually all losses from
charges the
customer claims are unauthorized.

I'm not saying it's good or bad, I'm just saying that a good
percentage
of customers see these services for what they are: the poor
man's
merchant account.

Hal



On Mar 12, 2:34 am, "Robin K" <r...e-junkie.com> wrote:
> > On Mar 9, 5:47 pm, "drewd"
<csharporbf...gmail.com> wrote:
> >> Thankyou everyone for your responces, I think
I understand now. 
> >> When I was reading google I missunderstood
what it was, they said 
> >> something about level 2 integration which I
thought would use my 
> >> billing system, and the customer would never
see google. On the one

> >> hand it is a good thing to have the backing of
a big name like 
> >> google on my site. But I also don't wan't the
customer to have to 
> >> create 2 accounts. And for security purposes I
require an account 
> >> on my site. So it seams like a good idea but
really wouldn't work 
> >> for many people in a practical sense. So I
will just have to find
another way to do this.
>
> you can use a payment gateway to keep the payment
processor in the 
> background completely but that means dealing with
additional headache 
> of getting a merchant account etc. .. also, people
trust companies 
> like Google more than individual merchants when parting
with their
credit card info.




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Thanks Tony. That is great to know

sean

-----Original Message-----
From: google-checkout-api-integrationgooglegroups.com
[mailto:google-checkout-api-integrationgooglegroups.com] On Behalf Of Tony
Birnseth
Sent: Tuesday, March 13, 2007 12:30 PM
To: google-checkout-api-integrationgooglegroups.com
Subject: [google-checkout-api-integration] Re: Credit Card
Declined - Google
Automatically Sends Email to customer


I have some interesting stats on this exact thing (albeit
regarding
PayPal versus GC).

One of my customers had done some work for her brother.  He
traditionally had sold his widgets on Ebay with PayPal.  She
built him a
site and set it all up, etc.  They initially used PayPal and
found that
people were exiting at the checkout page.

She used her Merchant Account and set it up as a trial.

The change was immediate.  Going from almost 100% exit rate
down to 30%
by simply having a "normal" option to PayPal.

Just thought I'd throw in my two cents....

Tony

www.ez-order-manager.com 

-----Original Message-----
From: google-checkout-api-integrationgooglegroups.com
[mailto:google-checkout-api-integrationgooglegroups.com] On Behalf Of
checktest
Sent: Monday, March 12, 2007 5:08 PM
To: Google Checkout Developers Forum - API Integration
Basics
Subject: [google-checkout-api-integration] Re: Credit Card
Declined -
Google Automatically Sends Email to customer


This is kind of a double-edged sword.  Some customers may
say "Great!
I definitely trust this because Google involved."  I
think lots of
people, though, understand that businesses that have their
own merchant
account have gone through a much more stringent screening
process than
Google (or PayPal) merchants do, have higher costs, and must
follow a
very specific set of rules.  Merchants that use shared
processing, to
me, scream "fly-by-night" and I don't know how to
get past that.  Also,
consumers aren't all that worried about security anyway,
since the
credit card companies cover virtually all losses from
charges the
customer claims are unauthorized.

I'm not saying it's good or bad, I'm just saying that a good
percentage
of customers see these services for what they are: the poor
man's
merchant account.

Hal



On Mar 12, 2:34 am, "Robin K" <r...e-junkie.com> wrote:
> > On Mar 9, 5:47 pm, "drewd"
<csharporbf...gmail.com> wrote:
> >> Thankyou everyone for your responces, I think
I understand now. 
> >> When I was reading google I missunderstood
what it was, they said 
> >> something about level 2 integration which I
thought would use my 
> >> billing system, and the customer would never
see google. On the one

> >> hand it is a good thing to have the backing of
a big name like 
> >> google on my site. But I also don't wan't the
customer to have to 
> >> create 2 accounts. And for security purposes I
require an account 
> >> on my site. So it seams like a good idea but
really wouldn't work 
> >> for many people in a practical sense. So I
will just have to find
another way to do this.
>
> you can use a payment gateway to keep the payment
processor in the 
> background completely but that means dealing with
additional headache 
> of getting a merchant account etc. .. also, people
trust companies 
> like Google more than individual merchants when parting
with their
credit card info.






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Thanks everyone for your input and healthy discussion.

I enjoyed reading through the discussion thread, and I'll
pass on some
your feedback to the appropriate people in our team.


Thanks,
Jacob

On Mar 13, 9:40 am, "Redbrazil" <redbra...earthlink.net> wrote:
> Thanks Tony. That is great to know
>
> sean
>
> -----Original Message-----
> From: google-checkout-api-integrationgooglegroups.com
>
> [mailto:google-checkout-api-integrationgooglegroups.com] On Behalf Of Tony
> Birnseth
> Sent: Tuesday, March 13, 2007 12:30 PM
> To: google-checkout-api-integrationgooglegroups.com
> Subject: [google-checkout-api-integration] Re: Credit
Card Declined - Google
> Automatically Sends Email to customer
>
> I have some interesting stats on this exact thing
(albeit regarding
> PayPal versus GC).
>
> One of my customers had done some work for her brother.
 He
> traditionally had sold his widgets on Ebay with PayPal.
 She built him a
> site and set it all up, etc.  They initially used
PayPal and found that
> people were exiting at the checkout page.
>
> She used her Merchant Account and set it up as a
trial.
>
> The change was immediate.  Going from almost 100% exit
rate down to 30%
> by simply having a "normal" option to
PayPal.
>
> Just thought I'd throw in my two cents....
>
> Tony
>
> www.ez-order-manager.com
>
> -----Original Message-----
> From: google-checkout-api-integrationgooglegroups.com
> [mailto:google-checkout-api-integrationgooglegroups.com] On Behalf Of
> checktest
> Sent: Monday, March 12, 2007 5:08 PM
> To: Google Checkout Developers Forum - API Integration
Basics
> Subject: [google-checkout-api-integration] Re: Credit
Card Declined -
> Google Automatically Sends Email to customer
>
> This is kind of a double-edged sword.  Some customers
may say "Great!
> I definitely trust this because Google involved." 
I think lots of
> people, though, understand that businesses that have
their own merchant
> account have gone through a much more stringent
screening process than
> Google (or PayPal) merchants do, have higher costs, and
must follow a
> very specific set of rules.  Merchants that use shared
processing, to
> me, scream "fly-by-night" and I don't know
how to get past that.  Also,
> consumers aren't all that worried about security
anyway, since the
> credit card companies cover virtually all losses from
charges the
> customer claims are unauthorized.
>
> I'm not saying it's good or bad, I'm just saying that a
good percentage
> of customers see these services for what they are: the
poor man's
> merchant account.
>
> Hal
>
> On Mar 12, 2:34 am, "Robin K" <r...e-junkie.com> wrote:
> > > On Mar 9, 5:47 pm, "drewd"
<csharporbf...gmail.com> wrote:
> > >> Thankyou everyone for your responces, I
think I understand now.
> > >> When I was reading google I
missunderstood what it was, they said
> > >> something about level 2 integration which
I thought would use my
> > >> billing system, and the customer would
never see google. On the one
>
> > >> hand it is a good thing to have the
backing of a big name like
> > >> google on my site. But I also don't wan't
the customer to have to
> > >> create 2 accounts. And for security
purposes I require an account
> > >> on my site. So it seams like a good idea
but really wouldn't work
> > >> for many people in a practical sense. So
I will just have to find
> another way to do this.
>
> > you can use a payment gateway to keep the payment
processor in the
> > background completely but that means dealing with
additional headache
> > of getting a merchant account etc. .. also, people
trust companies
> > like Google more than individual merchants when
parting with their
> credit card info.


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