Exactly.com vs. Payline Data vs. 2Checkout from Verifone

Good for online businesses to be able to track incoming payments in various currencies. These payments can be in small or large amounts and they can be recurring to easily create invoices for customers

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For medium, to large companies, I have recommended Payline Data.

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2Checkout Monetization Platform is well suited for emerging SaaS businesses because along with payment processing, they offer you exposure to Affiliates and make electronic code delivery easy. The dashboard is cumbersome and reporting graphs/options are not easy to comprehend so it might become trouble when the business grows and you want to show it to venture capitalists or any investor/buyer.

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• Simple UI
• Easily understand the stages of the transfer

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• Payline Data has a great gateway and interface. Most credit card processors use a third party gateway to process payments. I liked that Payline had their own and therefore I didn't have to pay another company additional money. So this saves me money. To be honest it is a good tactical marketing advantage for them as well. If I need to log in and see transactions I log in to their site. The company that I used to work before used the third party, so I can't even remember their name as I rarely visited their site.
• At first, their gateway interface was very blah. It did the trick, but it was so plain and frankly, it was ugly. They redesigned it several months ago and it looks a lot better now. Very easy to use as well.
• Their API was very easy to set up. I did have a few questions about it and I was able to get very quick help.
• They quickly set up my account. This was very important to me. I had tried to contact several credit card processors and had to wait for several of them to return my call. I immediately got a hold of Payline and they had the account set up quickly.

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• 2Checkout handles credit cards that I would not be able to accept from my country.
• Fraud prevention works. They saved me a couple of times and I appreciate that.
• I always received my payments on time. I never had to complain.

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• Mobile app has crashed several times in the past
• Support is not in North America

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• I only have one complaint and it is a very simple one and probably easy to fix. But I receive a daily email from them that has my automatic subscription charges that were done early that morning. It shows a summary of the charges and the declines. The declines show a detailed description of what transaction was declined. But the successful charges are not listed. I wish it would list the successful charges as well.
• The only other thing I wish is, I wish they were free :). But of course, they need to make money. With that being said, I think they are cheaper than some of the ones I have used before. Especially since I use their gateway and don't pay additional gateway fees.

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• In the 2Checkout dashboard, searching for transactions is a bit awkward
• I wish there were more reports available for me in the 2Checkout dashboard

It is surreal. Everything feels like they don't really want you to use them. I had to beg them to approve my account because of stupid approval questions. Example: give ONE url where payments will come from. (my payments will come from a page inside my webapp which means absolutely nothing to users who don't have a user in my webapp. I also have many URLs where the users can pay from) Then their API is super complicated to use. I couldn't believe how complicated it is. It is not well explained in the documentation and you have to guess until you understand the underlying logic. I wouldn't use it if I Stripe was available in my country.

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Good support! We haven't had any issues so far that have been terribly bad. Only recommendation is to have support in North America as well.

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The service with Exactly has been great, as well as the easy to understand UI. We haven't had many issues with Exactly on our team! The best thing about Exactly is that we can set up recurring payments in various currencies

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Honestly, I don't remember the names of the other credit card processors I have used prior to Paypal and Payline Data. I have used other merchant account services that integrate with the Authorize.net gateway. But Paypal was by far the worst. It was overpriced and integration was a mess as they themselves on their own site had outdated information. I wasn't just using Paypal's regular business account but I also had their merchant account services. Which meant I could process credit cards without people even knowing I was using Paypal. Their merchant card services were very sloppy and the API was a mess to set up. But the worst part of Paypal was their professionalism. On the other hand, Payline Data was easy to set up, cheaper to use and great personal and professional customer service. I felt very well taken care of.

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Avangate digital commerce is the only available leading payment gateway service provider for Sri Lankans. That is the main reason to choose Avangate for my web store. It's easy and cost-effective and easy to use as a payment gateway service provider overall. Pricing, customer care, payout process and reporting is very good at Avangate.

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• Save time on transferring and tracking payments
• Accepting various currencies from customers all over the world

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• They have been easy to get a hold of if I have a question
• They seem less expensive than some of the other processors I have used.

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• I now get excellent customer service as compared to when I was with PayPal
• I no longer have to subject my customers to the pain of maintaining a PayPal account
• 2Checkout allows me to offer the same service as any large company and I'm a 1 man show