Category Archives: Payment Processors

How to get a Payoneer card


After I posted my review of Payoneer’s Virtual US Bank Account offering many of you asked me how you can obtain a Payoneer prepaid debit card. As I’ve mentioned in that review, you cannot obtain a debit card directly from Payoneer, instead you have to get it from one of Payoneer’s payment solutions partners.

Payoneer has partnered with many online businesses to offer them the possibility to make mass payouts easier, faster and more convenient for them and those who will receive them. If you are not already making money from one of Payoneer’s many partners, you will have to start by signing up with one of them.

Here is a list of all Payoneer partners that I could easily identify. No doubt there are probably more partners available, so this list is by no means complete. I will add more Payoneer partners to the list as I come across them. If you’re one of Payoneer’s payment solutions partner and you would like your site posted on the list give me a shout at alan at

Payoneer partners

Which ones should you choose? Well that obviously depends on how you prefer to make money online. For example if you’re an online merchant the 2CheckOut would be the logical choice. If you run a blog or website and would like to sell advertising space then Text Link Ads would in that case be the logical choice.

Google some of these websites out and find out if they’re right for you.

Now once you’ve decided which Payoneer partner to go with, proceed to the next step which is figuring out how to order a Payoneer card from one of these partner websites. As always it varies from partner to partner so don’t be shy and ask the website’s customer support crew for assistance.

As an example, getting a Payoneer card through Text Link Ads is one of the easiest methods that comes to my mind at the moment. All that you have to do is click on “Edit Account” in your members section and then look for  “*Would you prefer to be paid via check, payoneer or paypal?”.  Select “Payoneer” from that list and then click the “Update Account” button.

You should  then be redirected to a pre-application page where you will be given information on the advantages of using the Payoneer option. The next step is to click the button “Apply” at the end of the page so that you are redirected to the application form on the Payoneer website.

The next step is to fill in the form with your info and send the form.

Shortly after the application process is complete, an email will be sent to the address you provided informing you that your order has been received. Once the application is approved, you will receive a confirmation email and the card will be mailed within 2 business days.

Once you have card in your hands simply follow the activation instructions in the welcome letter and you’re all set!

Update (Dec 26,08): Thanks goes out to Gregory B for pointing out that you don’t have to have a different payoneer card for each payoneer parter.

You can receive payments from several partners into one Payoneer card. To achieve this you would have to go through the complete registration for one partner, to obtain the physical card.

Once you receive your card from this partner, you will have to go through a very short registration process for each additional partner, as follows: on the Payment Method page, instead of pressing the button to sign up for a card, press the link (usually placed above the button) that says “I already have a card”

And with that we’ve reached the end of this post. Thanks for your attention and for visiting my blog.


EPAY Now Offers Prepaid Credit Cards


Hello. I just found out that the popular payment processor, EPAY,  now offers prepaid credit cards. Just thought I’d let all of you know. Here is a copy of the news e-mail that I’ve received from them:

Dear members,

We are proud to announce the launch of a new services:

1. Prepaid credit cards.

These unique cards work everywhere: in ATMs (with high 2500$ per day limit), in POS, and online where credit card required. Now you need only one card to to make online purchases, shop in supermarkets and withdraw money in ATMs! No credit history required to get this card. You can order these cards in your epay account in Cards – Order a Card – Debit Card section.

2. Business services and payroll solutions.

In cooperation with prime VISA and MasterCard issuers, EPAY Inc. offers effective business and payroll solutions to entrepreneurs, business owners, organizations, freelancers, communities, and individuals. If you are a business owner of any size, individual prepaid credit card is issued to all your clients, affiliates, employees or members, where you can send salaries, commissions, gifts or other payouts. Card can be used anywhere MasterCard is accepted. See more details at

Contact to set up individual program for your business.

We hope you will enjoy these new services! More great services are coming soon.

Best regards,

10 PayPal Alternatives


Think PayPal sucks? Tired of PayPal’s idiosyncrasies? Mad at PayPal for freezing your account without any justifiable reason and therefore putting a halt to your online business? Don’t worry, you’re not alone. There are tons of people who despise PayPal for one reason or another. Are you looking for an alternative to PayPal for your business? You are? Good, because I have ten alternative for you to consider.

By the way, if you’re a disgruntled PayPal user you may be interested in visiting this site full of PayPal hating goodness:

Vent out your anger my friend. That’s right, let it all out!

Ok now, let’s get on with the show and focus on some PayPal alternatives:

1) Google Checkout –

Not contempt with dominating the search engine market, Google decided to play the merchant account provider game too. Why not? I mean, we all know that Google will one day rule the world.

When you use Google Checkout to process your sales, you’ll be charged 2% + $0.20 per transaction. If you advertise with Google AdWords, you will also be eligible for free credit card processing for some or all of your Google Checkout sales. Also there are no monthly, setup or gateway fees.

2) Digital River –

Digital River, based in Eden Prairie, Minn, provides custom e-commerce solutions starting with your basic shopping cart going all the way to advanced solutions such as multi-currency merchant accounts. Best selling point: Digital River does not hold sellers’ money and will take the hit if a product needs to be returned. Also Digital River has no up-front cost and won’t charge until the first sale. Afterwards, its fee is based on performance, beginning at 2.9% plus a $1.00 transaction fee.

3) –

Established in 1999 and headquartered in Columbus, Ohio, 2CO provides turnkey e-commerce solutions. is a very popular processor of credit card and check payment that has separated itself from the typical merchant account provider crowd with their no-hassle sing-up process. You can have a merchant account setup with 2checkout in just a few minutes – no background or credit check will be done!

2Checkout asks for a one time only set up fee of $49.00. After that, you only pay for sales. If you sell nothing, you pay nothing. 2CO collects a 5.5% commission on each transaction plus a $0.45 charge per sale. There are no leases, no monthly fees, no application fees, no gateway fees, no additional card company or third party charges and no statement fees.

4) AlertPay –

Montreal-based AlertPay is the up-and-coming challenger vying to take over PayPal’s position of top dog on the payment processor scene. AlertPay came about as an attempt to meet the needs of “less mainstream” merchants which weren’t being catered to properly by PayPal. AlertPay founder Firoz Patel says his company “saw this particularly with multi-level marketing,” and that “some clients simply need more time and attention when it comes to payments.”

The introductory rate for AlertPay is 2.5% per transaction. But if your company is “off the beaten path” and requires more service, be prepared to pay 3.9%.

5) Bidpay:

This service is available only for those who buy and sell at online auctions. Buyers use their credit or debit card to make their purchases from you and BidPay sends you a Western Union Money Order or the payment is directly deposited into your checking account if you live in the U.S.

6) CCNow:

A shopping cart solution that also allows you to take all major credit cards without a merchant account. They pay you your earnings twice a month and while your money is sitting on account it earns 1.5% APR.

7) Ikobo:

With merchant fees at $2.99 plus .29 per transaction, and no extra fees for international transactions. You can sell to buyers in 170 countries. Payments are deposited to your bank account or to your Ikobo Visa debit card.

8) ClickBank:

ClickBank is good for selling digital products and comes with a built-in affiliate program. You’ll have to pay a one time fee of $50.00, then it’s only $1.00 plus 7.5% of each transaction. Allows you to take payments from all credit card types and even PayPal payments.

9) ProPay:

Accept payments by credit card via the web or even by phone. Funds are deposited into your ProPay account. You can get a ProPay MasterCard to access your funds or transfer your earnings to your bank account. They have four types of accounts to choose from: Basic, Premium, Premium Plus, Platinum, with annual pricing from $34.95 all the way up to $299.95, depending on the features and type of account you need.

10) Money Bookers:

Money Bookers offers a merchant feature that allows you to create order buttons for your website and be paid by credit card. Fees range from 2% all the way up to 8%, depending on how payments are made. No setup or monthly fees. You can accept payments from over 30 countries. Money can be transferred instantly to your bank account.

UPDATE: Ok, it seems the 10 paypal alternatives is now 11. Thanks to Aryeh Altshul for suggesting his company (Payoneer) to be added to the list

11) Payoneer

Payoneer markets, manages and services prepaid MasterCard cards. Payoneer works together with the First Bank of Delaware to issue and process cards. However, Payoneer also has a new offering they call a “US Virtual Account.” Essentially this allows Payoneer prepaid MasterCard holders that live outside the US to receive direct Automated Clearing House (ACH) deposits/payments without the necessity of actually having a US bank account. See this link for more details.

That about does it for this article folks. I hope you’ve found it useful and I wish you the best of luck with your business venture. By the way, if you’re merchant account provider and you’d like to get your site reviewed and included in future articles, please get in touch with me (e-mail can be found on the “about” page).



PayPal Celebrates Its Ten Year Anniversary

paypal logo

Hello dear readers. You may be interested in knowing that PayPal is celebrating its 10’th year anniversary this year. It’s almost quite hard to believe that ten years ago PayPal was just a dream in the minds of three men back in 1998 (by Max Levchin, Peter Thiel, and Luke Nosek). Love it or hate it, you’ve got to admit that PayPal has profoundly transformed online commerce. Last I checked PayPal still has the lion’s share of the payment processor market. Other competitors (like AlertPay for example) have risen to challenge PayPal position, but for the most part PayPal still is #1 – who knows how long they’ll hold that position though.

To celebrate this anniversary the folks at PayPal have built a website which “looks back at PayPal after ten years on the Internet” and you can find it over here:

Source: This posting on PayPals blog

Also here is a YouTube video released by PayPal in which PayPal’s founders and company executives reflect on the company’s ten-year anniversary.

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New PayPal Currencies: Mexican Peso and Israeli Shekel

 paypal logo

PayPal recently launched the availability of two new currencies that now can be used within the PayPal system. To quote Yeong-Ping Koh, group product manager with PayPal’s global platform team:

I’m excited to announce the availability of two new currencies in the PayPal system – the Mexican Peso and the Israeli Shekel.

We hope the addition of the Peso and Shekel will be particularly valuable to our customers in Mexico and Israel for both domestic and international buying and selling. And now people in these countries can also receive money from friends and family – for birthday gifts, holiday gifts, and more!

EPAY Now Accepts Credit Cards


The popular online payment processor, EPAY, just announced the launch of a new service. They now accept debit and credit card payments for account funding. In addition to this they now also support mass payments. Here is the official e-mail news release:

Dear members,

We are proud to announce the launch of a new services:

1. VISA/EuroCard/MasterCard funding option.

We now accept credit cards! You can use your debit or credit card to fund your epay account and make payments to other users or withdraw through epay debit card. You can find it in Fund – Credit Card section of your epay accounts.

2. Mass Transfer.

It allows you to make a bulk transfer to thousands of users easily and instantly. You can find this tool in Transfers – Mass Transfer section of your epay accounts.

We hope you will enjoy these new services! More great services are coming soon.

Best regards,

If you want to find out more about this payment processor or to open an account with them, click here.