Hi,

I’m developing a website that allows certain individuals to be sellers and other individuals to be buyers of a product. Right now I am doing this by having the sellers enter their PayPal email address to accept payments, which limits my users to having to pay by PayPal as well.

PayPal accepts credit cards if you aren’t a member, but they don’t have a good solution for it at all. PayPal sets a cookie if you have ever logged in via the browser, so if a user is using a shared computer, where someone has previously logged in, they will never see the credit card processing information.

Are there other ways of setting up this scenario without having a middleman involved between the seller and buyer? Looks like Google Checkout requires you to be a user as well.

Thanks!

if my understanding is correct you
basically want to move money between
buyers and sellers but without having a 3d party
system that performs money deposits and withdrawals
for credit cards.

I doubt that it can be done, unless you become such a system.

You can get authroized from say Paymentech or somewhere else
to become a ‘merchant’ account.
There is a process for this. Once your system is ready they
will ask you to submit ‘test’ payments and withdrawals,
then check how you handle disconnects/etc
There are of course various fees associated with this.

They have a batch and online system,—batch system has
cheaper per transaction rates then online. But to do batch
you have to ‘collect’ your payment/refunds transactions over a day
or to—and then send out that file to them (so it is not immediate,
but fits well when most of the transactions are recurring charges,
for example).

I only worked with them , but I am sure there are many other
what is called ‘payment clearing houses’.  There are also
ones that employ non-us based banks