I have been looking at the PFRE to find out a way to charge on my website, I have used Paypal and Stripe and they all charge 2.9% + 0.30 cents. Is there a cheaper way to charge on my website? Please, I need your help.
Yes, I agree, I don't particularly like PayPal either (for many other reasons than their cost per transaction). I use them for e-book transaction processing just because they have the best worldwide coverage (works in all countries except a handful of African countries) but if you are doing business just in the US or Canada I recommend you take a look at Squareup.com.
Squareup.com has a low per transaction charge (2.75% per swipe) and, their SmartPhone/Tablet Apps give you the ability to either take credit cards at a shoot or send an email invoice to the agent so they can pay afterwards with their credit card. This approach is much more effective than taking the payment on your site, although if you can also do that too with Squareup. Taking credit cards at a shoot is a huge advantage and will cut down your accounts receivable, yet you still have the choice of emailing an invoice to the client that they can pay with credit card. Also, they have a very nice dashboard on their site for each account that tracks a lot of useful things. I've noticed recently that many restaurants and other small businesses are using squareup.com.
Anyone out there have a credit card processor they like better than Squareup.com?