Summarizing Paypal, Google Checkout and Sage Pay as payment processing programs

Tuesday December 15, 2009 at 4:06pm

In this final post we will be summarizing Paypal, Google Checkout and Sage Pay as payment processing services. In our previous posts we looked at the individual benefits and drawbacks of each service. We will now summarize our findings and give our conclusion on which service we feel is the best and why.

Google checkout and Paypal are quicker to set up and neither have a monthly charge associated with them. They charge you per transaction that you process and therefore if you don’t use the service you won’t be charged. Sage pay on the other hand takes a little longer to set up and requires you to apply for an internet merchant number before you can use the service.

The main problem with Paypal and Google checkout is that they take you away from your website and onto their own payment pages to process transactions. This can look untidy and unprofessional. Sage Pay allows you to create your own payment pages within your website and allows customers to stay on your website throughout the whole checkout process.

Although Sage Pay charges a monthly amount, if you are processing up to 1000 transactions per month it works out much cheaper than both Paypal and Google checkout. For example Google checkout and Paypal charge 3.4% + 20p for every transaction that you process. Sage Pay charges £20 per month to process up to 1000 transactions. This works out as 2 pence per transaction. Therefore if you are going to be processing transactions regularly, Sage Pay is much more cost efficient. In order to get a sage pay account you do need to have an internet merchant account number and your bank will charge you around 2.5% per transaction. Please refer to the table below to see the costs involved for each payment processing program.

Amount to process Sagepay Google Checkout Paypal
£10 £20 flat fee per month 34p + 20p 34p + 20p
£100 £20 flat fee per month £3.40 + 20p £3.40 + 20p
£500 £20 flat fee per month £17 + 20p £17 + 20p
£1000 £20 flat fee per month £34 + 20p £34 + 20p


*  Based on processing up to 1000 transactions per month
*  Paypal charges 3.4% per transaction + 20 pence charge
*  Google Checkout charges 3.4% per transaction + 20 pence charge
*  Sagepay charges a £20 flat fee for the month and your acquiring bank will charge you around 2.5% per transaction

In our experience we would recommend using Sage Pay as the main payment processing service. Not only is it far more cost effective, but by allowing you to customize the payment pages and stay on your website throughout the whole checkout process it enables you to give a more professional experience to the customer.

At Zarr we are able to integrate Paypal, Google Checkout or Sagepay into a website. Integrating Paypal or Google checkout can be done very quickly and potentially in the space of an afternoon. Sage Pay does take a little longer as the time involved to process an application can take 2 – 3 days. If you would like to discuss any of these payment methods and how Zarr could help you to integrate any of them into your website then please contact us and a member of our team will be happy to discuss your requirements.

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