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Geoff said:
Paypal is pretty bad... I'm scared of it after reading paypalsucks.com
Be careful when reading those sites. Many are simply set up with affiliate links to another random card processor.

Take paypalsucks.com for instance... they are recommending 995merchantaccounts.com which according to that website is Card Service International.

Do a search for Card Service International on google. They are a major player in the processing arena and they have a referral program... http://www.cardservice.com/why-partner.aspx

Sooooo... back to the google search... you'll also notice that the following URLs point to their services:
[snipped]http://www.cardserviceonline.com/
(and MANY more)

You get the idea... these are all people trying to make a buck selling referrals.

Not a bad idea, right? Create a blahblahsucks.com site and point people to another service and make $$ on every click. Not a bad idea at all.

If you dig a little deaper, you'll find many complaints against this company also (like http://www.consumeraffairs.com/business/cardservice.htm).

Bottom line is most of the stuff on paypalsucks is from long ago and paypal has been a much better company since ebay bought them. Also, many of the people complaining about frozen funds were the people that continued selling porn with paypal after paypal got out of that business.

If you're looking for a cheap processor with integrated USPS shipping, it's a great option. I use it for a number of different things. I get charged 2.5% + $0.30 per transaction. Then I use the PayPal debit card to purchase inventory (using the money that is immediately available in my account) and I get 1.5% cashback on the spot. So in the end, I'm paying 1% plus $0.30. Where can I get a better deal?

I've had the account for 6 years and I've never had a single issue or chargeback.
 

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Geoff said:
^ So if I get X-cart, then I apply for a paymentech merchant account, which will process the credit cards? And then, the money will be in my paymentech account, which I will have to transfer into my regular bank account. What exactly are the fees?
The card processor would charge the card and notify your instance of X-Cart if it was successful or not. The card processor would then sweep the funds into your bank account on some agreed schedule.

X-Cart works with the following processors: http://www.x-cart.com/payment_gateways.html

One minor issue with X-Cart is that they are based in Russia. If you're in the US and you need their help, they are in the office while you're sleeping. Great product otherwise... their hourly rate for development is very low compared to US based vendors.
 
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