RE: Payments online -- website

[Guest guest]

Hi,

I looked at PayPal site and there are many options. How do I know which one to choose? Is it Website Payment Standard or one of the business accounts or are they the same?

Thanks for your help.

Alla Kirsch

Subject: Payments online -- websiteTo: " Locke" Date: Sunday, December 7, 2008, 12:27 AM

As you know, I was interested in allowing patients to pay online...but didn't want to spend a bunch of money doing it.

I think I have an answer with the free PayPal business option.

I am ready to put on my statement that patients can now pay online.

The would go to...

https://lockefam1. ipower.com/ Payment.html

And then follow the directions on the webpage.

Will be interesting to see who uses it.

I tried it myself and it seemed to flow OK.

I also managed to make the initial Payment page (which is not part of PayPal) a more secure page through my host - iPower.

Anyway, if you want to see a home grown version of online payments, check it out.

Locke, MD

[Guest guest]

The free stuff I did was...

1. Sign up for Business account

2. Utilize the Integration Guide -- which can be a little confusing, but has all the info.

https://cms.paypal.com/cms_content/en_US/files/developer/PP_WebsitePaymentsStandard_IntegrationGuide.pdf

3. Use some basic web design skills -- basically you design a Pay Button and cut/paste the code it gives you into your website page.

One you set up the Business Account, you have the option to design a button and choose all the options on what should be in that button.

Locke, MD

From: Alla Kirsch Sent: Sunday, December 07, 2008 7:05 AMTo: Locke; Subject: Re: Payments online -- website

Hi,

I looked at PayPal site and there are many options. How do I know which one to choose? Is it Website Payment Standard or one of the business accounts or are they the same?

Thanks for your help.

Alla Kirsch

Subject: Payments online -- websiteTo: " Locke" Date: Sunday, December 7, 2008, 12:27 AM

As you know, I was interested in allowing patients to pay online...but didn't want to spend a bunch of money doing it.

I think I have an answer with the free PayPal business option.

I am ready to put on my statement that patients can now pay online.

The would go to...

https://lockefam1. ipower.com/ Payment.html

And then follow the directions on the webpage.

Will be interesting to see who uses it.

I tried it myself and it seemed to flow OK.

I also managed to make the initial Payment page (which is not part of PayPal) a more secure page through my host - iPower.

Anyway, if you want to see a home grown version of online payments, check it out.

Locke, MD

[Guest guest]

This is an excellent idea. I like this better than what we currently use.

To: Locke Sent: Sunday, December 7, 2008 12:27:46 AMSubject: Payments online -- website

As you know, I was interested in allowing patients to pay online...but didn't want to spend a bunch of money doing it.

I think I have an answer with the free PayPal business option.

I am ready to put on my statement that patients can now pay online.

The would go to...

https://lockefam1.ipower.com/Payment.html

And then follow the directions on the webpage.

Will be interesting to see who uses it.

I tried it myself and it seemed to flow OK.

I also managed to make the initial Payment page (which is not part of PayPal) a more secure page through my host - iPower.

Anyway, if you want to see a home grown version of online payments, check it out.

Locke, MD

[Guest guest]

This is an excellent idea. I like this better than what we currently use.

To: Locke Sent: Sunday, December 7, 2008 12:27:46 AMSubject: Payments online -- website

As you know, I was interested in allowing patients to pay online...but didn't want to spend a bunch of money doing it.

I think I have an answer with the free PayPal business option.

I am ready to put on my statement that patients can now pay online.

The would go to...

https://lockefam1.ipower.com/Payment.html

And then follow the directions on the webpage.

Will be interesting to see who uses it.

I tried it myself and it seemed to flow OK.

I also managed to make the initial Payment page (which is not part of PayPal) a more secure page through my host - iPower.

Anyway, if you want to see a home grown version of online payments, check it out.

Locke, MD

[Guest guest]

, how is it free?

I've been using paypal for 8 years now .. I've always been charged per

transaction.

> I think I have an answer with the free PayPal business option.

--

Graham Chiu

http://www.synapsedirect.com

Synapse - the use from anywhere EMR.

[Guest guest]

, how is it free?

I've been using paypal for 8 years now .. I've always been charged per

transaction.

> I think I have an answer with the free PayPal business option.

--

Graham Chiu

http://www.synapsedirect.com

Synapse - the use from anywhere EMR.

[Guest guest]

Hi Graham,

I suppose that is semantics.

You are correct -- PayPal does charge for the Credit Card fees to use a credit card through their system -- so it isn't free in that sense.

But there is no monthly fee for the basic business option to have the site set up and no cost (other than opportunity costs) for me to spend some time incorporating the code into my website, etc.

I could be wrong, but I believe places like Medfusion and RelayHealth charge extra for the service, plus credit card fees.

I suppose it's sort of like getting a "free" car -- it's not really free -- you have to put gas in it, clean it, oil, insurance, etc.

I guess what I mean by free and low/no overhead for the service is....

1. No setup fee or monthly fee to have access to the credit card service.

2. Free for me to install on my website -- others might have to have an IT person install the code into a website, so they might have to spend some monies.

3. So if I never use the service, I'm not really out any money, other than the hours used to research and install the code.

I'll try to keep everyone up to date on whether patients use it.

But, yes, you are correct -- the actual service of using the credit card charge is not free.

I'm sure there are cheaper options for credit card charging out there, but as an online option to try out, I'm willing to try it out.

If it becomes a big hit, maybe I'll try to find other options to use for online payments that are cheaper.

I'm willing to pay a little extra for awhile until I see if it takes off.

For what it is worth -- here is my Costco Merchant service I use vs the much more expensive PayPal option.

Costco Retail Merchants 1.64% Plus 20¢ per card-swiped transaction

PayPal 2.9% + $0.30 USD

So, let me see -- $100 transactions x 10 visit = $1,000

Costco - 1.64% ($10.64) plus 10x0.20 ($2.00) = $12.64

PayPal - 2.9% ($29.00) plus 10x0.30 ($3.00) = $32.00

So definitely a significant difference -- paying $19.36 more per $1,000 -- or $1.94 per transaction in this scenario.

Of course, if you are paying for a credit card machine or having your staff enter in credit card for the patient in the office, or needing a phone line to do the credit cards, there is some extra overhead beyond the patient who is doing this from home without any overhead for your office -- the patient supplies the computer, internet access, time to enter the info, etc.

So.....not a cheap option based on the transaction fee, but cheap to set up.

Website Payments Standard: Pricing

The transaction prices listed are for the U.S. only. Learn more about accepting international payments.

Monthly Income

Per Transaction

Transaction Price Example

$0.00 USD - $3,000.00 USD

2.9% + $0.30 USD

You’ll pay $3.20 USDon a $100.00 USD transaction.

$3,000.01 USD - $10,000.00 USD

2.5% + $0.30 USDMerchant Rate qualification required

You’ll pay $2.80 USDon a $100.00 USD transaction.

$10,000.01 USD - $100,000.00 USD

2.2% + $0.30 USDMerchant Rate qualification required

You’ll pay $2.50 USDon a $100.00 USD transaction.

> $100,000.00 USD

1.9% + $0.30 USDMerchant Rate qualification required

You’ll pay $2.20 USDon a $100.00 USD transaction.

Sign Up

Learn more about Website Payments Standard.

Qualify for Lower Pricing With PayPal’s Merchant Rate

When you’ve been a PayPal member for more than 90 days and your sales volume is more than $3,000.00 USD per month, you’re eligible for PayPal’s Merchant Rate. PayPal bases eligibility on sales volume from the previous calendar month.

To qualify, you must meet the Merchant Rate criteria. If you qualify, log in to your PayPal account and complete our one-time application form.

To find out more about this special rate, contact sales at 1-.

The PayPal Advantage

· No obligation

There are no long-term contracts, and you can cancel anytime.

· Chargeback protection

We help protect you from chargebacks. On qualifying transactions, PayPal’s Seller Protection Policy shields you from certain liabilities that some merchant accounts may have.

· Accept payments immediately

Sign up for a PayPal Premier or Business account, and start accepting payments today. There’s no lengthy application process

From: [mailto: ] On Behalf Of Graham ChiuSent: Monday, December 08, 2008 12:25 PMTo: Subject: Re: Payments online -- website

, how is it free?I've been using paypal for 8 years now .. I've always been charged pertransaction.On Sun, Dec 7, 2008 at 6:27 PM, Locke <lockecoloradogmail> wrote:> I think I have an answer with the free PayPal business option.-- Graham Chiuhttp://www.synapsedirect.comSynapse - the use from anywhere EMR.

[Guest guest]

As of this past month, I have not seen

that charge come through.  Yikes!

A. Eads, M.D.

Pinnacle Family Medicine, PLLC

phone fax

P.O.

Box 7275

Woodland

Park, CO 80863

www.PinnacleFamilyMedicine.com

From: [mailto: ] On Behalf Of

Sent: Wednesday, December 10, 2008

7:56 PM

To:

Subject: Re:

Payments online -- website

I had a rude awakening today: A charge

of $139 showed up on my office bank account last month, from Merchants,

the

company I have a credit card account with. I have had this

account for almost 3 years but dont use it: Not much call for

CC payments here, and I had trouble getting the machine to

connect over VOIP line. It hasnt cost me any monthly fee, until

this month, $139. I called and was told this

was a new, mandatory, HIPPA compliance fee, for all users,

annually. They wouldnt refund it , and said there would be an early

termination charge of $500 if I did so prior to my 3 year contract.

Fortunately, that anniversary comes in Jan09, so this one $139 gig

is all they will get me for.

Has

anyone else had this charge applied (I was told it was required by VISA/ MC,

not Merchants). Does PayPal account require this?

On Wed, Dec 10, 2008 at 9:48 AM, Eads <michelle.eadsworldnet (DOT) att.net>

wrote:

,

To clarify, there is no

minimum monthly charge for having this PayPal account? My QuickBooks one

has a $9.95 minimum monthly charge, even if no transactions are done.

Thanks for sharing your

ideas and experience, once again!

A. Eads, M.D.

Pinnacle Family Medicine, PLLC

phone fax

P.O. Box 7275

Woodland Park, CO 80863

www.PinnacleFamilyMedicine.com

From:

[mailto: ]

On Behalf Of Locke

Sent: Tuesday, December 09, 2008

10:23 AM

To:

Subject: RE:

Payments online -- website

Hi Graham,

I suppose that is semantics.

You are correct -- PayPal does charge for the Credit

Card fees to use a credit card through their system -- so it isn't free in that

sense.

But there is no monthly fee for the basic business

option to have the site set up and no cost (other than opportunity costs) for

me to spend some time incorporating the code into my website, etc.

I could be wrong, but I believe places like Medfusion

and RelayHealth charge extra for the service, plus credit card fees.

I suppose it's sort of like getting a " free "

car -- it's not really free -- you have to put gas in it, clean it, oil,

insurance, etc.

I guess what I mean by free and low/no overhead for

the service is....

1. No setup

fee or monthly fee to have access to the credit card service.

2. Free for

me to install on my website -- others might have to have an IT person install

the code into a website, so they might have to spend some monies.

3. So if I

never use the service, I'm not really out any money, other than the hours used

to research and install the code.

I'll try to keep everyone up to date on whether

patients use it.

But, yes, you are correct -- the actual service of

using the credit card charge is not free.

I'm sure there are cheaper options for credit card

charging out there, but as an online option to try out, I'm willing to try it

out.

If it becomes a big hit, maybe I'll try to find other

options to use for online payments that are cheaper.

I'm willing to pay a little extra for awhile until I

see if it takes off.

For what it is worth -- here is my Costco Merchant

service I use vs the much more expensive PayPal option.

Costco Retail Merchants 1.64% Plus 20¢ per card-swiped

transaction

PayPal 2.9% + $0.30 USD

So, let me see -- $100 transactions x 10 visit =

$1,000

Costco - 1.64% ($10.64) plus 10x0.20 ($2.00) = $12.64

PayPal - 2.9% ($29.00) plus 10x0.30 ($3.00) = $32.00

So definitely a significant difference -- paying

$19.36 more per $1,000 -- or $1.94 per transaction in this scenario.

Of course, if you are paying for a credit card machine

or having your staff enter in credit card for the patient in the office, or

needing a phone line to do the credit cards, there is some extra overhead beyond

the patient who is doing this from home without any overhead for your office --

the patient supplies the computer, internet access, time to enter the info,

etc.

So.....not a cheap option based on the transaction

fee, but cheap to set up.

Website Payments

Standard: Pricing

The transaction prices listed are for the U.S. only.

Learn more about accepting international

payments.

Monthly Income

Per Transaction

Transaction Price Example

$0.00 USD -

$3,000.00 USD

2.9% + $0.30 USD

You'll pay $3.20 USD

on a $100.00 USD transaction.

$3,000.01 USD -

$10,000.00 USD

2.5% + $0.30 USD

Merchant Rate qualification required

You'll pay $2.80 USD

on a $100.00 USD transaction.

$10,000.01 USD -

$100,000.00 USD

2.2% + $0.30 USD

Merchant Rate qualification required

You'll pay $2.50 USD

on a $100.00 USD transaction.

> $100,000.00 USD

1.9% + $0.30 USD

Merchant Rate qualification required

You'll pay $2.20 USD

on a $100.00 USD transaction.

Sign Up

Learn more about Website Payments

Standard.

Qualify

for Lower Pricing With PayPal's Merchant Rate

When you've been a PayPal

member for more than 90 days and your sales volume is more than $3,000.00 USD

per month, you're eligible for PayPal's

Merchant Rate.

PayPal bases eligibility on sales volume from the previous calendar month.

To qualify, you must meet

the Merchant Rate

criteria. If you

qualify, log in to your PayPal account and complete our

one-time application form.

To find out more about

this special rate, contact sales at 1-.

The

PayPal Advantage

·

No obligation

There are no long-term

contracts, and you can cancel anytime.

·

Chargeback protection

We help protect you from

chargebacks. On qualifying

transactions,

PayPal's Seller Protection Policy shields you from certain liabilities that

some merchant accounts may have.

·

Accept payments

immediately

Sign up for a PayPal Premier or Business

account, and start accepting payments today. There's no lengthy application

process

From:

[mailto: ]

On Behalf Of Graham Chiu

Sent: Monday, December 08, 2008

12:25 PM

To:

Subject: Re:

Payments online -- website

, how is it free?

I've been using paypal for 8 years now .. I've always been charged per

transaction.

On Sun, Dec 7, 2008 at 6:27 PM, Locke <lockecoloradogmail>

wrote:

> I think I have an answer with the free PayPal business option.

--

Graham Chiu

http://www.synapsedirect.com

Synapse - the use from anywhere EMR.

[Guest guest]

I got that charge too $150 for a mandatory compliance training fee once a year for some regulation, they said it wasn't them but was Visa/MC imposed compliance fee.AnnoyingMy credit card company is CTS holdings.I wonder if I should ditch them .LynnTo: From: michelle.eads@...Date: Thu, 11 Dec 2008 09:20:21 -0700Subject: RE: Payments online -- website

As of this past month, I have not seen

that charge come through. Yikes!

A. Eads, M.D.

Pinnacle Family Medicine, PLLC

phone fax

P.O.

Box 7275

Woodland

Park, CO 80863

www.PinnacleFamilyMedicine.com

From: [mailto: ] On Behalf Of

Sent: Wednesday, December 10, 2008

7:56 PM

To:

Subject: Re:

Payments online -- website

I had a rude awakening today: A charge

of $139 showed up on my office bank account last month, from Merchants,

the

company I have a credit card account with. I have had this

account for almost 3 years but dont use it: Not much call for

CC payments here, and I had trouble getting the machine to

connect over VOIP line. It hasnt cost me any monthly fee, until

this month, $139. I called and was told this

was a new, mandatory, HIPPA compliance fee, for all users,

annually. They wouldnt refund it , and said there would be an early

termination charge of $500 if I did so prior to my 3 year contract.

Fortunately, that anniversary comes in Jan09, so this one $139 gig

is all they will get me for.

Has

anyone else had this charge applied (I was told it was required by VISA/ MC,

not Merchants). Does PayPal account require this?

On Wed, Dec 10, 2008 at 9:48 AM, Eads <michelle.eadsworldnet (DOT) att.net>

wrote:

,

To clarify, there is no

minimum monthly charge for having this PayPal account? My QuickBooks one

has a $9.95 minimum monthly charge, even if no transactions are done.

Thanks for sharing your

ideas and experience, once again!

A. Eads, M.D.

Pinnacle Family Medicine, PLLC

phone fax

P.O. Box 7275

Woodland Park, CO 80863

www.PinnacleFamilyMedicine.com

From:

[mailto: ]

On Behalf Of Locke

Sent: Tuesday, December 09, 2008

10:23 AM

To:

Subject: RE:

Payments online -- website

Hi Graham,

I suppose that is semantics.

You are correct -- PayPal does charge for the Credit

Card fees to use a credit card through their system -- so it isn't free in that

sense.

But there is no monthly fee for the basic business

option to have the site set up and no cost (other than opportunity costs) for

me to spend some time incorporating the code into my website, etc.

I could be wrong, but I believe places like Medfusion

and RelayHealth charge extra for the service, plus credit card fees.

I suppose it's sort of like getting a "free"

car -- it's not really free -- you have to put gas in it, clean it, oil,

insurance, etc.

I guess what I mean by free and low/no overhead for

the service is....

1. No setup

fee or monthly fee to have access to the credit card service.

2. Free for

me to install on my website -- others might have to have an IT person install

the code into a website, so they might have to spend some monies.

3. So if I

never use the service, I'm not really out any money, other than the hours used

to research and install the code.

I'll try to keep everyone up to date on whether

patients use it.

But, yes, you are correct -- the actual service of

using the credit card charge is not free.

I'm sure there are cheaper options for credit card

charging out there, but as an online option to try out, I'm willing to try it

out.

If it becomes a big hit, maybe I'll try to find other

options to use for online payments that are cheaper.

I'm willing to pay a little extra for awhile until I

see if it takes off.

For what it is worth -- here is my Costco Merchant

service I use vs the much more expensive PayPal option.

Costco Retail Merchants 1.64% Plus 20¢ per card-swiped

transaction

PayPal 2.9% + $0.30 USD

So, let me see -- $100 transactions x 10 visit =

$1,000

Costco - 1.64% ($10.64) plus 10x0.20 ($2.00) = $12.64

PayPal - 2.9% ($29.00) plus 10x0.30 ($3.00) = $32.00

So definitely a significant difference -- paying

$19.36 more per $1,000 -- or $1.94 per transaction in this scenario.

Of course, if you are paying for a credit card machine

or having your staff enter in credit card for the patient in the office, or

needing a phone line to do the credit cards, there is some extra overhead beyond

the patient who is doing this from home without any overhead for your office --

the patient supplies the computer, internet access, time to enter the info,

etc.

So.....not a cheap option based on the transaction

fee, but cheap to set up.

Website Payments

Standard: Pricing

The transaction prices listed are for the U.S. only.

Learn more about accepting international

payments.

Monthly Income

Per Transaction

Transaction Price Example

$0.00 USD -

$3,000.00 USD

2.9% + $0.30 USD

You'll pay $3.20 USD

on a $100.00 USD transaction.

$3,000.01 USD -

$10,000.00 USD

2.5% + $0.30 USD

Merchant Rate qualification required

You'll pay $2.80 USD

on a $100.00 USD transaction.

$10,000.01 USD -

$100,000.00 USD

2.2% + $0.30 USD

Merchant Rate qualification required

You'll pay $2.50 USD

on a $100.00 USD transaction.

> $100,000.00 USD

1.9% + $0.30 USD

Merchant Rate qualification required

You'll pay $2.20 USD

on a $100.00 USD transaction.

Sign Up

Learn more about Website Payments

Standard.

Qualify

for Lower Pricing With PayPal's Merchant Rate

When you've been a PayPal

member for more than 90 days and your sales volume is more than $3,000.00 USD

per month, you're eligible for PayPal's

Merchant Rate.

PayPal bases eligibility on sales volume from the previous calendar month.

To qualify, you must meet

the Merchant Rate

criteria. If you

qualify, log in to your PayPal account and complete our

one-time application form.

To find out more about

this special rate, contact sales at 1-.

The

PayPal Advantage

·

No obligation

There are no long-term

contracts, and you can cancel anytime.

·

Chargeback protection

We help protect you from

chargebacks. On qualifying

transactions,

PayPal's Seller Protection Policy shields you from certain liabilities that

some merchant accounts may have.

·

Accept payments

immediately

Sign up for a PayPal Premier or Business

account, and start accepting payments today. There's no lengthy application

process

From:

[mailto: ]

On Behalf Of Graham Chiu

Sent: Monday, December 08, 2008

12:25 PM

To:

Subject: Re:

Payments online -- website

, how is it free?

I've been using paypal for 8 years now .. I've always been charged per

transaction.

On Sun, Dec 7, 2008 at 6:27 PM, Locke <lockecoloradogmail>

wrote:

> I think I have an answer with the free PayPal business option.

--

Graham Chiu

http://www.synapsedirect.com

Synapse - the use from anywhere EMR.

Send e-mail faster without improving your typing skills. Get your Hotmail® account.

[Guest guest]

Hi Sharon,

I only learned that last year when I started my own business.

It's one of those things they don't tell you on the reward side of the card -- as a consumer, they just promote the bonus points and don't tell you it will cost the supplier more that is giving tyhe service.

Thanks for the reminderl.

Locke, MD

From: [mailto: ] On Behalf Of Sharon Sent: Tuesday, December 09, 2008 11:03 AMTo: Subject: RE: Payments online -- website

and all,

The other thing that I learned when I started using credit cards is that most aren’t “qualified,” so they get charged a higher rate. Any rewards card or business card is not qualified, and is 0.5 or 1.0% higher than qualified rates. Not a big deal unless you do a lot, but something I was never aware of as a consumer.

Sharon

From: [mailto: ] On Behalf Of LockeSent: Tuesday, December 09, 2008 9:23 AMTo: Subject: RE: Payments online -- website

Hi Graham,

I suppose that is semantics.

You are correct -- PayPal does charge for the Credit Card fees to use a credit card through their system -- so it isn't free in that sense.

But there is no monthly fee for the basic business option to have the site set up and no cost (other than opportunity costs) for me to spend some time incorporating the code into my website, etc.

I could be wrong, but I believe places like Medfusion and RelayHealth charge extra for the service, plus credit card fees.

I suppose it's sort of like getting a "free" car -- it's not really free -- you have to put gas in it, clean it, oil, insurance, etc.

I guess what I mean by free and low/no overhead for the service is....

1. No setup fee or monthly fee to have access to the credit card service.

2. Free for me to install on my website -- others might have to have an IT person install the code into a website, so they might have to spend some monies.

3. So if I never use the service, I'm not really out any money, other than the hours used to research and install the code.

I'll try to keep everyone up to date on whether patients use it.

But, yes, you are correct -- the actual service of using the credit card charge is not free.

I'm sure there are cheaper options for credit card charging out there, but as an online option to try out, I'm willing to try it out.

If it becomes a big hit, maybe I'll try to find other options to use for online payments that are cheaper.

I'm willing to pay a little extra for awhile until I see if it takes off.

For what it is worth -- here is my Costco Merchant service I use vs the much more expensive PayPal option.

Costco Retail Merchants 1.64% Plus 20¢ per card-swiped transaction

PayPal 2.9% + $0.30 USD

So, let me see -- $100 transactions x 10 visit = $1,000

Costco - 1.64% ($10.64) plus 10x0.20 ($2.00) = $12.64

PayPal - 2.9% ($29.00) plus 10x0.30 ($3.00) = $32.00

So definitely a significant difference -- paying $19.36 more per $1,000 -- or $1.94 per transaction in this scenario.

Of course, if you are paying for a credit card machine or having your staff enter in credit card for the patient in the office, or needing a phone line to do the credit cards, there is some extra overhead beyond the patient who is doing this from home without any overhead for your office -- the patient supplies the computer, internet access, time to enter the info, etc.

So.....not a cheap option based on the transaction fee, but cheap to set up.

Website Payments Standard: Pricing

The transaction prices listed are for the U.S. only. Learn more about accepting international payments.

Monthly Income

Per Transaction

Transaction Price Example

$0.00 USD - $3,000.00 USD

2.9% + $0.30 USD

You’ll pay $3.20 USDon a $100.00 USD transaction.

$3,000.01 USD - $10,000.00 USD

2.5% + $0.30 USDMerchant Rate qualification required

You’ll pay $2.80 USDon a $100.00 USD transaction.

$10,000.01 USD - $100,000.00 USD

2.2% + $0.30 USDMerchant Rate qualification required

You’ll pay $2.50 USDon a $100.00 USD transaction.

> $100,000.00 USD

1.9% + $0.30 USDMerchant Rate qualification required

You’ll pay $2.20 USDon a $100.00 USD transaction.

Sign Up

Learn more about Website Payments Standard.

Qualify for Lower Pricing With PayPal’s Merchant Rate

When you’ve been a PayPal member for more than 90 days and your sales volume is more than $3,000.00 USD per month, you’re eligible for PayPal’s Merchant Rate. PayPal bases eligibility on sales volume from the previous calendar month.

To qualify, you must meet the Merchant Rate criteria. If you qualify, log in to your PayPal account and complete our one-time application form.

To find out more about this special rate, contact sales at 1-.

The PayPal Advantage

· No obligation

There are no long-term contracts, and you can cancel anytime.

· Chargeback protection

We help protect you from chargebacks. On qualifying transactions, PayPal’s Seller Protection Policy shields you from certain liabilities that some merchant accounts may have.

· Accept payments immediately

Sign up for a PayPal Premier or Business account, and start accepting payments today. There’s no lengthy application process

From: [mailto: ] On Behalf Of Graham ChiuSent: Monday, December 08, 2008 12:25 PMTo: Subject: Re: Payments online -- website

, how is it free?I've been using paypal for 8 years now .. I've always been charged pertransaction.On Sun, Dec 7, 2008 at 6:27 PM, Locke <lockecoloradogmail> wrote:> I think I have an answer with the free PayPal business option.-- Graham Chiuhttp://www.synapsedirect.comSynapse - the use from anywhere EMR.

[Guest guest]

Hi Sharon,

I only learned that last year when I started my own business.

It's one of those things they don't tell you on the reward side of the card -- as a consumer, they just promote the bonus points and don't tell you it will cost the supplier more that is giving tyhe service.

Thanks for the reminderl.

Locke, MD

From: [mailto: ] On Behalf Of Sharon Sent: Tuesday, December 09, 2008 11:03 AMTo: Subject: RE: Payments online -- website

and all,

The other thing that I learned when I started using credit cards is that most aren’t “qualified,” so they get charged a higher rate. Any rewards card or business card is not qualified, and is 0.5 or 1.0% higher than qualified rates. Not a big deal unless you do a lot, but something I was never aware of as a consumer.

Sharon

From: [mailto: ] On Behalf Of LockeSent: Tuesday, December 09, 2008 9:23 AMTo: Subject: RE: Payments online -- website

Hi Graham,

I suppose that is semantics.

You are correct -- PayPal does charge for the Credit Card fees to use a credit card through their system -- so it isn't free in that sense.

But there is no monthly fee for the basic business option to have the site set up and no cost (other than opportunity costs) for me to spend some time incorporating the code into my website, etc.

I could be wrong, but I believe places like Medfusion and RelayHealth charge extra for the service, plus credit card fees.

I suppose it's sort of like getting a "free" car -- it's not really free -- you have to put gas in it, clean it, oil, insurance, etc.

I guess what I mean by free and low/no overhead for the service is....

1. No setup fee or monthly fee to have access to the credit card service.

2. Free for me to install on my website -- others might have to have an IT person install the code into a website, so they might have to spend some monies.

3. So if I never use the service, I'm not really out any money, other than the hours used to research and install the code.

I'll try to keep everyone up to date on whether patients use it.

But, yes, you are correct -- the actual service of using the credit card charge is not free.

I'm sure there are cheaper options for credit card charging out there, but as an online option to try out, I'm willing to try it out.

If it becomes a big hit, maybe I'll try to find other options to use for online payments that are cheaper.

I'm willing to pay a little extra for awhile until I see if it takes off.

For what it is worth -- here is my Costco Merchant service I use vs the much more expensive PayPal option.

Costco Retail Merchants 1.64% Plus 20¢ per card-swiped transaction

PayPal 2.9% + $0.30 USD

So, let me see -- $100 transactions x 10 visit = $1,000

Costco - 1.64% ($10.64) plus 10x0.20 ($2.00) = $12.64

PayPal - 2.9% ($29.00) plus 10x0.30 ($3.00) = $32.00

So definitely a significant difference -- paying $19.36 more per $1,000 -- or $1.94 per transaction in this scenario.

Of course, if you are paying for a credit card machine or having your staff enter in credit card for the patient in the office, or needing a phone line to do the credit cards, there is some extra overhead beyond the patient who is doing this from home without any overhead for your office -- the patient supplies the computer, internet access, time to enter the info, etc.

So.....not a cheap option based on the transaction fee, but cheap to set up.

Website Payments Standard: Pricing

The transaction prices listed are for the U.S. only. Learn more about accepting international payments.

Monthly Income

Per Transaction

Transaction Price Example

$0.00 USD - $3,000.00 USD

2.9% + $0.30 USD

You’ll pay $3.20 USDon a $100.00 USD transaction.

$3,000.01 USD - $10,000.00 USD

2.5% + $0.30 USDMerchant Rate qualification required

You’ll pay $2.80 USDon a $100.00 USD transaction.

$10,000.01 USD - $100,000.00 USD

2.2% + $0.30 USDMerchant Rate qualification required

You’ll pay $2.50 USDon a $100.00 USD transaction.

> $100,000.00 USD

1.9% + $0.30 USDMerchant Rate qualification required

You’ll pay $2.20 USDon a $100.00 USD transaction.

Sign Up

Learn more about Website Payments Standard.

Qualify for Lower Pricing With PayPal’s Merchant Rate

When you’ve been a PayPal member for more than 90 days and your sales volume is more than $3,000.00 USD per month, you’re eligible for PayPal’s Merchant Rate. PayPal bases eligibility on sales volume from the previous calendar month.

To qualify, you must meet the Merchant Rate criteria. If you qualify, log in to your PayPal account and complete our one-time application form.

To find out more about this special rate, contact sales at 1-.

The PayPal Advantage

· No obligation

There are no long-term contracts, and you can cancel anytime.

· Chargeback protection

We help protect you from chargebacks. On qualifying transactions, PayPal’s Seller Protection Policy shields you from certain liabilities that some merchant accounts may have.

· Accept payments immediately

Sign up for a PayPal Premier or Business account, and start accepting payments today. There’s no lengthy application process

From: [mailto: ] On Behalf Of Graham ChiuSent: Monday, December 08, 2008 12:25 PMTo: Subject: Re: Payments online -- website

, how is it free?I've been using paypal for 8 years now .. I've always been charged pertransaction.On Sun, Dec 7, 2008 at 6:27 PM, Locke <lockecoloradogmail> wrote:> I think I have an answer with the free PayPal business option.-- Graham Chiuhttp://www.synapsedirect.comSynapse - the use from anywhere EMR.

[Guest guest]

Hi Sharon,

I only learned that last year when I started my own business.

It's one of those things they don't tell you on the reward side of the card -- as a consumer, they just promote the bonus points and don't tell you it will cost the supplier more that is giving tyhe service.

Thanks for the reminderl.

Locke, MD

From: [mailto: ] On Behalf Of Sharon Sent: Tuesday, December 09, 2008 11:03 AMTo: Subject: RE: Payments online -- website

and all,

The other thing that I learned when I started using credit cards is that most aren’t “qualified,” so they get charged a higher rate. Any rewards card or business card is not qualified, and is 0.5 or 1.0% higher than qualified rates. Not a big deal unless you do a lot, but something I was never aware of as a consumer.

Sharon

From: [mailto: ] On Behalf Of LockeSent: Tuesday, December 09, 2008 9:23 AMTo: Subject: RE: Payments online -- website

Hi Graham,

I suppose that is semantics.

You are correct -- PayPal does charge for the Credit Card fees to use a credit card through their system -- so it isn't free in that sense.

But there is no monthly fee for the basic business option to have the site set up and no cost (other than opportunity costs) for me to spend some time incorporating the code into my website, etc.

I could be wrong, but I believe places like Medfusion and RelayHealth charge extra for the service, plus credit card fees.

I suppose it's sort of like getting a "free" car -- it's not really free -- you have to put gas in it, clean it, oil, insurance, etc.

I guess what I mean by free and low/no overhead for the service is....

1. No setup fee or monthly fee to have access to the credit card service.

2. Free for me to install on my website -- others might have to have an IT person install the code into a website, so they might have to spend some monies.

3. So if I never use the service, I'm not really out any money, other than the hours used to research and install the code.

I'll try to keep everyone up to date on whether patients use it.

But, yes, you are correct -- the actual service of using the credit card charge is not free.

I'm sure there are cheaper options for credit card charging out there, but as an online option to try out, I'm willing to try it out.

If it becomes a big hit, maybe I'll try to find other options to use for online payments that are cheaper.

I'm willing to pay a little extra for awhile until I see if it takes off.

For what it is worth -- here is my Costco Merchant service I use vs the much more expensive PayPal option.

Costco Retail Merchants 1.64% Plus 20¢ per card-swiped transaction

PayPal 2.9% + $0.30 USD

So, let me see -- $100 transactions x 10 visit = $1,000

Costco - 1.64% ($10.64) plus 10x0.20 ($2.00) = $12.64

PayPal - 2.9% ($29.00) plus 10x0.30 ($3.00) = $32.00

So definitely a significant difference -- paying $19.36 more per $1,000 -- or $1.94 per transaction in this scenario.

Of course, if you are paying for a credit card machine or having your staff enter in credit card for the patient in the office, or needing a phone line to do the credit cards, there is some extra overhead beyond the patient who is doing this from home without any overhead for your office -- the patient supplies the computer, internet access, time to enter the info, etc.

So.....not a cheap option based on the transaction fee, but cheap to set up.

Website Payments Standard: Pricing

The transaction prices listed are for the U.S. only. Learn more about accepting international payments.

Monthly Income

Per Transaction

Transaction Price Example

$0.00 USD - $3,000.00 USD

2.9% + $0.30 USD

You’ll pay $3.20 USDon a $100.00 USD transaction.

$3,000.01 USD - $10,000.00 USD

2.5% + $0.30 USDMerchant Rate qualification required

You’ll pay $2.80 USDon a $100.00 USD transaction.

$10,000.01 USD - $100,000.00 USD

2.2% + $0.30 USDMerchant Rate qualification required

You’ll pay $2.50 USDon a $100.00 USD transaction.

> $100,000.00 USD

1.9% + $0.30 USDMerchant Rate qualification required

You’ll pay $2.20 USDon a $100.00 USD transaction.

Sign Up

Learn more about Website Payments Standard.

Qualify for Lower Pricing With PayPal’s Merchant Rate

When you’ve been a PayPal member for more than 90 days and your sales volume is more than $3,000.00 USD per month, you’re eligible for PayPal’s Merchant Rate. PayPal bases eligibility on sales volume from the previous calendar month.

To qualify, you must meet the Merchant Rate criteria. If you qualify, log in to your PayPal account and complete our one-time application form.

To find out more about this special rate, contact sales at 1-.

The PayPal Advantage

· No obligation

There are no long-term contracts, and you can cancel anytime.

· Chargeback protection

We help protect you from chargebacks. On qualifying transactions, PayPal’s Seller Protection Policy shields you from certain liabilities that some merchant accounts may have.

· Accept payments immediately

Sign up for a PayPal Premier or Business account, and start accepting payments today. There’s no lengthy application process

From: [mailto: ] On Behalf Of Graham ChiuSent: Monday, December 08, 2008 12:25 PMTo: Subject: Re: Payments online -- website

, how is it free?I've been using paypal for 8 years now .. I've always been charged pertransaction.On Sun, Dec 7, 2008 at 6:27 PM, Locke <lockecoloradogmail> wrote:> I think I have an answer with the free PayPal business option.-- Graham Chiuhttp://www.synapsedirect.comSynapse - the use from anywhere EMR.

[Guest guest]

,

There is no monthly charge, but....the cost per use if probably hire than the Quickbooks cost per use.

So depending on how many credit cards you use, it could be more expensive to use the "free" service at PayPal.

At least that is how I read it.

Locke, MD

From: [mailto: ] On Behalf Of EadsSent: Wednesday, December 10, 2008 8:48 AMTo: Subject: RE: Payments online -- website

,

To clarify, there is no minimum monthly charge for having this PayPal account? My QuickBooks one has a $9.95 minimum monthly charge, even if no transactions are done.

Thanks for sharing your ideas and experience, once again!

A. Eads, M.D.

Pinnacle Family Medicine, PLLC

phone fax

P.O. Box 7275

Woodland Park, CO 80863

www.PinnacleFamilyMedicine.com

From: [mailto: ] On Behalf Of LockeSent: Tuesday, December 09, 2008 10:23 AMTo: Subject: RE: Payments online -- website

Hi Graham,

I suppose that is semantics.

You are correct -- PayPal does charge for the Credit Card fees to use a credit card through their system -- so it isn't free in that sense.

But there is no monthly fee for the basic business option to have the site set up and no cost (other than opportunity costs) for me to spend some time incorporating the code into my website, etc.

I could be wrong, but I believe places like Medfusion and RelayHealth charge extra for the service, plus credit card fees.

I suppose it's sort of like getting a "free" car -- it's not really free -- you have to put gas in it, clean it, oil, insurance, etc.

I guess what I mean by free and low/no overhead for the service is....

1. No setup fee or monthly fee to have access to the credit card service.

2. Free for me to install on my website -- others might have to have an IT person install the code into a website, so they might have to spend some monies.

3. So if I never use the service, I'm not really out any money, other than the hours used to research and install the code.

I'll try to keep everyone up to date on whether patients use it.

But, yes, you are correct -- the actual service of using the credit card charge is not free.

I'm sure there are cheaper options for credit card charging out there, but as an online option to try out, I'm willing to try it out.

If it becomes a big hit, maybe I'll try to find other options to use for online payments that are cheaper.

I'm willing to pay a little extra for awhile until I see if it takes off.

For what it is worth -- here is my Costco Merchant service I use vs the much more expensive PayPal option.

Costco Retail Merchants 1.64% Plus 20¢ per card-swiped transaction

PayPal 2.9% + $0.30 USD

So, let me see -- $100 transactions x 10 visit = $1,000

Costco - 1.64% ($10.64) plus 10x0.20 ($2.00) = $12.64

PayPal - 2.9% ($29.00) plus 10x0.30 ($3.00) = $32.00

So definitely a significant difference -- paying $19.36 more per $1,000 -- or $1.94 per transaction in this scenario.

Of course, if you are paying for a credit card machine or having your staff enter in credit card for the patient in the office, or needing a phone line to do the credit cards, there is some extra overhead beyond the patient who is doing this from home without any overhead for your office -- the patient supplies the computer, internet access, time to enter the info, etc.

So.....not a cheap option based on the transaction fee, but cheap to set up.

Website Payments Standard: Pricing

The transaction prices listed are for the U.S. only. Learn more about accepting international payments.

Monthly Income

Per Transaction

Transaction Price Example

$0.00 USD - $3,000.00 USD

2.9% + $0.30 USD

You’ll pay $3.20 USDon a $100.00 USD transaction.

$3,000.01 USD - $10,000.00 USD

2.5% + $0.30 USDMerchant Rate qualification required

You’ll pay $2.80 USDon a $100.00 USD transaction.

$10,000.01 USD - $100,000.00 USD

2.2% + $0.30 USDMerchant Rate qualification required

You’ll pay $2.50 USDon a $100.00 USD transaction.

> $100,000.00 USD

1.9% + $0.30 USDMerchant Rate qualification required

You’ll pay $2.20 USDon a $100.00 USD transaction.

Sign Up

Learn more about Website Payments Standard.

Qualify for Lower Pricing With PayPal’s Merchant Rate

When you’ve been a PayPal member for more than 90 days and your sales volume is more than $3,000.00 USD per month, you’re eligible for PayPal’s Merchant Rate. PayPal bases eligibility on sales volume from the previous calendar month.

To qualify, you must meet the Merchant Rate criteria. If you qualify, log in to your PayPal account and complete our one-time application form.

To find out more about this special rate, contact sales at 1-.

The PayPal Advantage

· No obligation

There are no long-term contracts, and you can cancel anytime.

· Chargeback protection

We help protect you from chargebacks. On qualifying transactions, PayPal’s Seller Protection Policy shields you from certain liabilities that some merchant accounts may have.

· Accept payments immediately

Sign up for a PayPal Premier or Business account, and start accepting payments today. There’s no lengthy application process

From: [mailto: ] On Behalf Of Graham ChiuSent: Monday, December 08, 2008 12:25 PMTo: Subject: Re: Payments online -- website

, how is it free?I've been using paypal for 8 years now .. I've always been charged pertransaction.On Sun, Dec 7, 2008 at 6:27 PM, Locke <lockecoloradogmail> wrote:> I think I have an answer with the free PayPal business option.-- Graham Chiuhttp://www.synapsedirect.comSynapse - the use from anywhere EMR.

[Guest guest]

,

There is no monthly charge, but....the cost per use if probably hire than the Quickbooks cost per use.

So depending on how many credit cards you use, it could be more expensive to use the "free" service at PayPal.

At least that is how I read it.

Locke, MD

From: [mailto: ] On Behalf Of EadsSent: Wednesday, December 10, 2008 8:48 AMTo: Subject: RE: Payments online -- website

,

To clarify, there is no minimum monthly charge for having this PayPal account? My QuickBooks one has a $9.95 minimum monthly charge, even if no transactions are done.

Thanks for sharing your ideas and experience, once again!

A. Eads, M.D.

Pinnacle Family Medicine, PLLC

phone fax

P.O. Box 7275

Woodland Park, CO 80863

www.PinnacleFamilyMedicine.com

From: [mailto: ] On Behalf Of LockeSent: Tuesday, December 09, 2008 10:23 AMTo: Subject: RE: Payments online -- website

Hi Graham,

I suppose that is semantics.

You are correct -- PayPal does charge for the Credit Card fees to use a credit card through their system -- so it isn't free in that sense.

But there is no monthly fee for the basic business option to have the site set up and no cost (other than opportunity costs) for me to spend some time incorporating the code into my website, etc.

I could be wrong, but I believe places like Medfusion and RelayHealth charge extra for the service, plus credit card fees.

I suppose it's sort of like getting a "free" car -- it's not really free -- you have to put gas in it, clean it, oil, insurance, etc.

I guess what I mean by free and low/no overhead for the service is....

1. No setup fee or monthly fee to have access to the credit card service.

2. Free for me to install on my website -- others might have to have an IT person install the code into a website, so they might have to spend some monies.

3. So if I never use the service, I'm not really out any money, other than the hours used to research and install the code.

I'll try to keep everyone up to date on whether patients use it.

But, yes, you are correct -- the actual service of using the credit card charge is not free.

I'm sure there are cheaper options for credit card charging out there, but as an online option to try out, I'm willing to try it out.

If it becomes a big hit, maybe I'll try to find other options to use for online payments that are cheaper.

I'm willing to pay a little extra for awhile until I see if it takes off.

For what it is worth -- here is my Costco Merchant service I use vs the much more expensive PayPal option.

Costco Retail Merchants 1.64% Plus 20¢ per card-swiped transaction

PayPal 2.9% + $0.30 USD

So, let me see -- $100 transactions x 10 visit = $1,000

Costco - 1.64% ($10.64) plus 10x0.20 ($2.00) = $12.64

PayPal - 2.9% ($29.00) plus 10x0.30 ($3.00) = $32.00

So definitely a significant difference -- paying $19.36 more per $1,000 -- or $1.94 per transaction in this scenario.

Of course, if you are paying for a credit card machine or having your staff enter in credit card for the patient in the office, or needing a phone line to do the credit cards, there is some extra overhead beyond the patient who is doing this from home without any overhead for your office -- the patient supplies the computer, internet access, time to enter the info, etc.

So.....not a cheap option based on the transaction fee, but cheap to set up.

Website Payments Standard: Pricing

The transaction prices listed are for the U.S. only. Learn more about accepting international payments.

Monthly Income

Per Transaction

Transaction Price Example

$0.00 USD - $3,000.00 USD

2.9% + $0.30 USD

You’ll pay $3.20 USDon a $100.00 USD transaction.

$3,000.01 USD - $10,000.00 USD

2.5% + $0.30 USDMerchant Rate qualification required

You’ll pay $2.80 USDon a $100.00 USD transaction.

$10,000.01 USD - $100,000.00 USD

2.2% + $0.30 USDMerchant Rate qualification required

You’ll pay $2.50 USDon a $100.00 USD transaction.

> $100,000.00 USD

1.9% + $0.30 USDMerchant Rate qualification required

You’ll pay $2.20 USDon a $100.00 USD transaction.

Sign Up

Learn more about Website Payments Standard.

Qualify for Lower Pricing With PayPal’s Merchant Rate

When you’ve been a PayPal member for more than 90 days and your sales volume is more than $3,000.00 USD per month, you’re eligible for PayPal’s Merchant Rate. PayPal bases eligibility on sales volume from the previous calendar month.

To qualify, you must meet the Merchant Rate criteria. If you qualify, log in to your PayPal account and complete our one-time application form.

To find out more about this special rate, contact sales at 1-.

The PayPal Advantage

· No obligation

There are no long-term contracts, and you can cancel anytime.

· Chargeback protection

We help protect you from chargebacks. On qualifying transactions, PayPal’s Seller Protection Policy shields you from certain liabilities that some merchant accounts may have.

· Accept payments immediately

Sign up for a PayPal Premier or Business account, and start accepting payments today. There’s no lengthy application process

From: [mailto: ] On Behalf Of Graham ChiuSent: Monday, December 08, 2008 12:25 PMTo: Subject: Re: Payments online -- website

, how is it free?I've been using paypal for 8 years now .. I've always been charged pertransaction.On Sun, Dec 7, 2008 at 6:27 PM, Locke <lockecoloradogmail> wrote:> I think I have an answer with the free PayPal business option.-- Graham Chiuhttp://www.synapsedirect.comSynapse - the use from anywhere EMR.

[Guest guest]

That's news to me.

I suspect this is their way of passing on some cost -- doubt it's mandatory for them to charge it.

Locke, MD

From: [mailto: ] On Behalf Of EadsSent: Thursday, December 11, 2008 9:20 AMTo: Subject: RE: Payments online -- website

As of this past month, I have not seen that charge come through. Yikes!

A. Eads, M.D.

Pinnacle Family Medicine, PLLC

phone fax

P.O. Box 7275

Woodland Park, CO 80863

www.PinnacleFamilyMedicine.com

From: [mailto: ] On Behalf Of Sent: Wednesday, December 10, 2008 7:56 PMTo: Subject: Re: Payments online -- website

I had a rude awakening today: A charge of $139 showed up on my office bank account last month, from Merchants, the

company I have a credit card account with. I have had this account for almost 3 years but dont use it: Not much call for

CC payments here, and I had trouble getting the machine to connect over VOIP line. It hasnt cost me any monthly fee, until

this month, $139. I called and was told this was a new, mandatory, HIPPA compliance fee, for all users, annually. They wouldnt refund it , and said there would be an early termination charge of $500 if I did so prior to my 3 year contract. Fortunately, that anniversary comes in Jan09, so this one $139 gig is all they will get me for.

Has anyone else had this charge applied (I was told it was required by VISA/ MC, not Merchants). Does PayPal account require this?

On Wed, Dec 10, 2008 at 9:48 AM, Eads <michelle.eadsworldnet (DOT) att.net> wrote:

,

To clarify, there is no minimum monthly charge for having this PayPal account? My QuickBooks one has a $9.95 minimum monthly charge, even if no transactions are done.

Thanks for sharing your ideas and experience, once again!

A. Eads, M.D.

Pinnacle Family Medicine, PLLC

phone fax

P.O. Box 7275

Woodland Park, CO 80863

www.PinnacleFamilyMedicine.com

From: [mailto: ] On Behalf Of LockeSent: Tuesday, December 09, 2008 10:23 AMTo:

Subject: RE: Payments online -- website

Hi Graham,

I suppose that is semantics.

You are correct -- PayPal does charge for the Credit Card fees to use a credit card through their system -- so it isn't free in that sense.

But there is no monthly fee for the basic business option to have the site set up and no cost (other than opportunity costs) for me to spend some time incorporating the code into my website, etc.

I could be wrong, but I believe places like Medfusion and RelayHealth charge extra for the service, plus credit card fees.

I suppose it's sort of like getting a "free" car -- it's not really free -- you have to put gas in it, clean it, oil, insurance, etc.

I guess what I mean by free and low/no overhead for the service is....

1. No setup fee or monthly fee to have access to the credit card service.

2. Free for me to install on my website -- others might have to have an IT person install the code into a website, so they might have to spend some monies.

3. So if I never use the service, I'm not really out any money, other than the hours used to research and install the code.

I'll try to keep everyone up to date on whether patients use it.

But, yes, you are correct -- the actual service of using the credit card charge is not free.

I'm sure there are cheaper options for credit card charging out there, but as an online option to try out, I'm willing to try it out.

If it becomes a big hit, maybe I'll try to find other options to use for online payments that are cheaper.

I'm willing to pay a little extra for awhile until I see if it takes off.

For what it is worth -- here is my Costco Merchant service I use vs the much more expensive PayPal option.

Costco Retail Merchants 1.64% Plus 20¢ per card-swiped transaction

PayPal 2.9% + $0.30 USD

So, let me see -- $100 transactions x 10 visit = $1,000

Costco - 1.64% ($10.64) plus 10x0.20 ($2.00) = $12.64

PayPal - 2.9% ($29.00) plus 10x0.30 ($3.00) = $32.00

So definitely a significant difference -- paying $19.36 more per $1,000 -- or $1.94 per transaction in this scenario.

Of course, if you are paying for a credit card machine or having your staff enter in credit card for the patient in the office, or needing a phone line to do the credit cards, there is some extra overhead beyond the patient who is doing this from home without any overhead for your office -- the patient supplies the computer, internet access, time to enter the info, etc.

So.....not a cheap option based on the transaction fee, but cheap to set up.

Website Payments Standard: Pricing

The transaction prices listed are for the U.S. only. Learn more about accepting international payments.

Monthly Income

Per Transaction

Transaction Price Example

$0.00 USD - $3,000.00 USD

2.9% + $0.30 USD

You'll pay $3.20 USDon a $100.00 USD transaction.

$3,000.01 USD - $10,000.00 USD

2.5% + $0.30 USDMerchant Rate qualification required

You'll pay $2.80 USDon a $100.00 USD transaction.

$10,000.01 USD - $100,000.00 USD

2.2% + $0.30 USDMerchant Rate qualification required

You'll pay $2.50 USDon a $100.00 USD transaction.

> $100,000.00 USD

1.9% + $0.30 USDMerchant Rate qualification required

You'll pay $2.20 USDon a $100.00 USD transaction.

Sign Up

Learn more about Website Payments Standard.

Qualify for Lower Pricing With PayPal's Merchant Rate

When you've been a PayPal member for more than 90 days and your sales volume is more than $3,000.00 USD per month, you're eligible for PayPal's Merchant Rate. PayPal bases eligibility on sales volume from the previous calendar month.

To qualify, you must meet the Merchant Rate criteria. If you qualify, log in to your PayPal account and complete our one-time application form.

To find out more about this special rate, contact sales at 1-.

The PayPal Advantage

· No obligation

There are no long-term contracts, and you can cancel anytime.

· Chargeback protection

We help protect you from chargebacks. On qualifying transactions, PayPal's Seller Protection Policy shields you from certain liabilities that some merchant accounts may have.

· Accept payments immediately

Sign up for a PayPal Premier or Business account, and start accepting payments today. There's no lengthy application process

From: [mailto: ] On Behalf Of Graham ChiuSent: Monday, December 08, 2008 12:25 PMTo: Subject: Re: Payments online -- website

, how is it free?I've been using paypal for 8 years now .. I've always been charged pertransaction.On Sun, Dec 7, 2008 at 6:27 PM, Locke <lockecoloradogmail> wrote:> I think I have an answer with the free PayPal business option.-- Graham Chiuhttp://www.synapsedirect.comSynapse - the use from anywhere EMR.

[Guest guest]

Dear ,

I don't know whether I ever thanked you. Please accept my thanks now for your help with PayPal and all the other topics I read about on the listserv. I am trying to get the PayPal button added to my new website.

Happy New Year.

Alla

Alla Kirsch, M.D.Travel Clinics of America6559 Mills Road, Suite 107, Mayfield Village, OH 44143 | cell | fax | www.travelclinicsofamerica.com

[Guest guest]

No worries.

It's great to hear everyone's hits and misses on the listserve, so I try to throw some of mine out their, too.

My first statements telling patients they can pay online went out last week.

Haven't had anyone do it yet, but will see what happens over the next few months.

Good luck with getting your PayPal button up and running - let us know if patients like using it.

Locke, MD

From: [mailto: ] On Behalf Of Alla KirschSent: Monday, December 29, 2008 11:12 AMTo: Subject: RE: Payments online -- website

Dear ,

I don't know whether I ever thanked you. Please accept my thanks now for your help with PayPal and all the other topics I read about on the listserv. I am trying to get the PayPal button added to my new website.

Happy New Year.

Alla

Alla Kirsch, M.D.Travel Clinics of America6559 Mills Road, Suite 107, Mayfield Village, OH 44143 | cell | fax | www.travelclinicsofamerica.com