A few years ago a new terminal company named Dejavoo was established. Dejavoo was founded by the original founder of Lipman USA, and seems to be founded on the same principles that Lipman was:  rock-solid products that are easy to use and very reliable. In my opinion Lipman’s Nurit 2085 is the most reliable and best land-line terminal to date. It isn’t very small, and it doesn’t look particularly classy, but it works well, it’s cheap, and it’s easy to use. Having watched the reliability of credit card terminals diminish over the past 10 years, I would love to see a highly-reliable brand emerge. Since the terminal market is monopolized by a few behemoths, it’s equally good to see a new competitor with a strong history of success in this specific industry.

Dejavoo currently offers several terminals which should meet the requirements of most merchants, whether retail or mobile. One of the coolest  things about the Dejavoo terminals, is that they all (except the C5 and M3) support a USB WiFi adapter, allowing a merchant with a secure WiFi network to eliminate an extra cord on their counter-top.

All Dejavoo terminals have quick thermal printers, and have internal PINpads. Dejavoo terminals meet the newer PCI-PED requirements for PINpads. Lastly, all Dejavoo terminals are at the lower end, if not the lowest, of cost for comparable terminals from other manufacturers.

Wired Dejavoo Terminals

Dejavoo C5 – The C5 is the entry level terminal from Dejavoo. It is dial only, and does not support USB components like the X series. It is the lowest cost terminal from Dejavoo. It is PCI certified and would be a comparable replacement for Nurit 2085, Hypercom T7 Plus, and similar products. The C5 looks to be the most durable of the Dejavoo terminals, and is slightly larger than the X or M lines. Most merchants will probably want the additional features of the X line, as the entry X5 terminal is a significant improvement to the C5 without a significant price increase.

Dejavoo X5 – The X5 is the first terminal in the X-line. It uses a custom Linux operating system, dual processors, and supports USB peripherals including the USB WiFi adapter. It features a compact, well styled design, and supports a multitude of features all for a low price. It is a dial-only terminal, but has more memory than current Verifone or Hypercom terminals. It is PCI compliant, and features a smart card reader and internal PINpad.

Dejavoo X8 – The X8 is almost the same as the X5 except that it supports processing over an 10/100 IP/Ethernet connection in addition to a dial-connection, and has an additional USB port. It is currently the lowest cost Ethernet terminal that we know of, just edging out the Hypercom T4220.

Wireless Dejavoo Terminals

Dejavoo M3, M5 and M8

The Dejavoo M series, are PCI certified, GPRS, wireless terminals. They are all based on the same M3 platform. The M5 has a base which includes a charging station. The M8 includes a base with an Ethernet port. The M5 and the M8 support the WiFi module, but the M3 does not.

The GPRS wireless network is normally used with ATT Wireless and is currently the most used network for credit card processing. So far I have not heard of development on the CDMA networks which would include Verizon and Sprint, but I imagine that there are plans in the future.

The M series terminals all include internal PINpads and thermal printers. They are compact, and use the same dual-processor system as the X terminals. Like X terminals, M series terminals accept normal credit cards as well as smart cards. The M series terminals aren’t the most elegant terminals out there, but it looks like Dejavoo traded fashion for a more robust and durable platform, which is far more important for wireless terminals.

Dejavoo WiFi Module

The Dejavoo WiFi module is an inexpensive USB WiFi stick that allows most Dejavoo terminals to process on a secure WiFi network. It theoretically works with the M3, M5, X5 and X8 terminals (We’ve personally only tested it with the X8, but Dejavoo has assured us that it works with the rest). We’ve been playing with one for the past week and despite some minor issues in initially getting the connection to work, it seems like this is the best only WiFi processing option available. The Verifone VX 610 is completely unusable because it’s support for WPA security is horrendous. The VX 670 is equally bad because it requires an expensive base, pushing the price above $800.

A note on wireless security and processing – WEP security is completely prohibited by PCI so do not under any circumstance use WEP or a non-secure connection to process using WiFi. Businesses should use WPA or WPA2 preferable and use a strong password like “4p%n&1GiJF$*nK8n”.

Conclusion

Based on our initial experience with Dejavoo terminals, they look to be the most promising brand of terminals we’ve seen in a long time, especially with regard to their wireless M-series wireless terminals. Several processors have made Dejavoo their preferred brand. I would like to see their performance over the next year or two before making a commitment. In any case, if I were Verifone or Hypercom, I would probably be concerned.  The Dejavoo terminals appear to be superior to both brands in just about every way including price, and only time will tell if they live up to their founder’s reputation.

So, how do the 3 alternate payment methods compare to each-other from a merchant’s perspective? There are 3 main areas that merchants are generally interested in, cost, protection, and integration. The following is a comparison of Google Checkout, Paypal, and Amazon payments in these 3 areas.

Cost

Since cost is one of the most, if not the most, important aspects of any payment system, we’ll waste no time in comparing these. All of these services offer volume based pricing, meaning if you process many thousands of dollars per month the cost comes down considerable.

Standard processing fees:

Micropayments:

It’s no coincidence that Google and Amazon have priced their services exactly the same as Paypal. Paypal has a terrible reputation from many sellers perspective, and I think that Amazon and Google are betting that by simply matching their costs, they will gain customers based on their quality of service.

Seller protection

Google Checkout, Paypal, and Amazon Payments are all considered 3rd party processing systems. What this means is that they are accepting payments on behalf of your business. With a traditional merchant account, your business has a direct relationship with Visa and MasterCard through your credit card processor, whereas a 3rd party processor, you are basically using the 3rd party processor’s merchant account.

Seller protection is of significant importance because the 3rd party processor is responsible for any expenses related to chargebacks and fraud from your business. If you receive a chargeback, they generally pass expenses down to your business, but the 3rd party processor is ultimately accountable to Visa and MasterCard for expenses associated with these. Google Checkout, Paypal, and Amazon Payments employ their own fraud screening, customer dispute, and chargeback management systems. Since you have very little control and access to your customer and transaction information, it is important to understand what sort of protection you have available, and what sort of pre-filtering you can setup to prevent unwanted transactions in the first place. One good note about Amazon payments in particular, is that many of the potential customers using this services have long standing relationships with Amazon.com, which can greatly reduce the number of potential fraudulent orders.

Account taken over? – All 3rd party processors introduce a second avenue for fraud that traditional merchant accounts do not have, which is when an account gets hacked and taken over. hacked accounts are not always immediately discovered creating a real chance that you accept payment and ship an order that was placed through a hacked account. As far as I have seen, seller protection is not extended to hacked accounts even though there is no way for you to know if you are accepting payment from a hacked account.

Lastly, since all 3rd party processors have their own dispute resolution systems, a customer actually has 2 chances to make a dispute or chargeback. The first is directly with the 3rd party processor through their dispute resolution system, and the second is directly with their credit card issuer. This gives customers 2 chances to recoup their money if they are unhappy with your services, or are trying to defraud a merchant by making a chargeback after receiving their order.

Paypal

Paypal allows for the most flexibility in the parameters that are required for you to accept a payment. You can specify countries, confirmed shipping addresses, payment types, among many others. For Paypal to provide protection to a seller a number of certain qualifications must be met otherwise Paypal will not cover the cost of a chargeback. Since a merchant can manually change their own requirements for accepting a Paypal transaction, it’s possible to inadvertently remove oneself from seller protection.

Additionally, likely due to the number of people using it, Paypal is probably the #1 avenue that fraud is committed over the internet. Search around and you’ll find thousands if not millions of cases where sellers have lost their money and product, and in many cases complying with all Paypal seller policies. You’ll find an equal number of upset buyers who lost money from an unethical sellers.

• The transaction must be marked eligible or partially eligible for Seller Protection on the Transaction Details page.
• The item must be shipped within 7 calendar days of receiving payment to the shipping address on the Transaction Details page, and in accordance with our shipping requirements.
• In the event a buyer files a claim, you need to respond to our request for documents and other information in a timely manner.
• The item must be a physical, tangible good that can be shipped. Your primary residence, as listed in your PayPal account, must be in the United States.

With that being said, Paypal does offer reasonable protection for merchants selling tangible products who can meet Paypal’s requirements on a transaction. Once such requirement is proof of shipping, which essentially requires a signature from the actual person whom placed the order. Anyone who has ever shipped for a business knows that the person making the purchase is the same person that signs for the package about 1% of the time, and packages are usually left on a doorstep or with the first person with a pen. In many circumstances, this does not count as verified delivery.

So, while Paypal is by far the most used 3rd party processor, they also offer the least amount of seller protection, and have an uncountable number of negative experiences reported with their customer service, and policies. Paypal’s risk management also leaves something to be desired, and I would say it is inevitable for a merchant’s funds to be help at some point with Paypal. While this is unrelated to seller protection it is a huge pain to send the documents to Paypal and then hope to have your account reinstated. Since Paypal does very little to pre-qualify buyers or sellers, the account-hold situation will forever be an undesired Paypal feature.

Google Checkout

Google offer’s excellent chargeback and fraud protection, however merchants have very little control over buyer requirements. This isn’t necessarily a problem considering that the buyer’s country / location can be a requirement for purchasing through your company via Google Checkout. Google takes a very lenient stance on chargebacks and will rarely charge a merchant for a chargeback or fraud even if the merchant loses. Google as a company has a way of commoditizing products and services and their payment service is no exception. I’ve personally seen Google absorb chargeback costs for merchants, where a merchant account provider or paypal would have billed the merchant every time.

Google’s official policy is as follows:

Guaranteed Payment: Checkout’s Payment Guarantee protects 98% of Checkout orders on average — when an order is guaranteed, you get paid even if it results in a chargeback.

Free Protection: While merchants are typically charged for fraud protection services, Google’s comprehensive protection is free.

Lower Fraud Costs: Checkout’s fraud detection systems reduce fraud and manual review costs by proactively filtering out fraudulent orders.

More Sales: The same systems also help increase sales by identifying legitimate orders that you might otherwise mark as fraudulent.

Fair Treatment: Unlike other services that immediately deduct funds from you for chargebacks, Google does so only after a decision has been made as to who is at fault.

With moderate success, Google applies their typical do-no-evil attitude to the Google Checkout service.

Amazon Payments
Amazon offers protection similar to Google Checkout. Amazon’s official statement is:

If a seller follows the Amazon.com Community Rules when listing, selling and shipping their item and, can document shipment to the customer or that the buyer received the correct item, Amazon.com usually does not hold the seller responsible for the reimbursement of the claim. Otherwise, Amazon.com will usually debit the reimbursement for the claim from the seller’s account.

The gotcha here is again the “document shipment to the customer”. As with Paypal, it is very difficult to actually prove that the person placing the order received the package.

Amazon payments is still a newcomer to the payments business, and has positioned themselves somewhere between Google and Paypal. Something that neither Paypal or Google Checkout have, Amazon has the huge benefit of millions of active Amazon.com customers, many with years of history purchasing from Amazon. This pre-qualification goes a long way in reducing fraudulent orders and chargebacks. Going out on a limb, I think it’s fairly safe to say that accepting payments from Amazon is going to be safer than any other payment method because of this existing relationship.

As far as potential customer service blunders, one thing to be careful of here is Amazon customers expect a certain degree of service when it comes to product delivery and return/refunding orders. Amazon’s policies on these are far more lax than most online retailers, so there’s definitely the potential for conflict if a customer wants to return a product outside a business’s normal policies.

Non-tangible goods

There’s very few processors who handle payments for non-tangible goods like digital downloads, consulting, and other services very well, 3rd party processors are hardly an exception. This is because a customer can make a chargeback with their card issuer for a number of reasons that are virtually un-challengable. Chargebacks like “product not as described” are almost impossible to beat even with superb descriptions, disclaimers, and anything else merchants try to throw at their customers. Until Visa/MC/Amex issuers change their chargeback policies, it’s unlikely that merchants will receive any relief from these types of chargebacks for non-tangible goods and services where the accuracy of the description is easily interpretable. Amazon is currently making the most public push to cater to digital sellers, and of the 3 they offer the most options and protection for this type of service.

Integration

Integration is likely an afterthought for the business owners, but is the most important feature for a developer. All 3 providers offer integrations ranging from simple to advanced allowing developers to create unique and completely customized checkout systems. The most simple integrations require only pasting HTML into an existing website, while the advanced methods use API (Application programming interface) which allows for a seamless connection from an existing website to the processor. API’s allow for passing information like shipping and tax, in addition to a number of other data possibilities, directly to and from the website’s shopping cart.

Paypal

Paypal is probably the easiest to integrate with. There are literally thousands of scripts online, and just about every shopping cart software is ready to go with Paypal out of the box. Paypal offers several methods of integration.

• Website Payment Standard (HTML buttons to place on a website or blog)
• Express Checkout or Website Payment Pro (API integration for simple and advanced payments on an existing shopping cart)
• PayPal payment gateway (ex-Verisign’s Payflow gateway)

The most simple Paypal integration is the buy now buttons that almost anyone could paste in their website to allow a customer to purchase an item from them.

Most website owners would want to use the express checkout or payments pro integration methods. These offer the cleanest user experience. I personally recommend the express checkout method of integration. Your customers start and end on your website, offering the best opportunity for the customer to complete a purchase and the least confusing checkout method possible. The API integration methods allow for uploading shipping and shopping cart information directly into Paypal, and offers support for calculating shipping and tax if the customer changes their address while on Paypal’s website. While the information and code samples that Paypal provides are severely lacking in documentation and organization, the pre-made scripts are a good start for many to get some of the more advanced checkout features going. My personal opinion on the pre-made scripts is that the code is grossly overdone, good programmers or those with a large number of website visitors, should really look into writing their own code to save system resources and reduce complexity.

The Paypal gateway is the former Verisign Payflow link and pro payment gateways. Using these requires a merchant to sign up for a more traditional merchant account through paypal. A merchant still needs to use one of the other integration methods to accept direct paypal payments from their customers.

Recently Paypal has been making huge advancements in developing their integration platforms. Developers are beginning to gain access to systems allowing for aggregation, mobile payments, and a variety of other advanced payment resources. Paypal is pushing the front-line of web and mobile payment development and is desperately trying to get developers to buy into their platform, which in my opinion is working.

Google Checkout

Google also offers several methods of integration from the most simple paste in scripts to very advanced API functions. Google also offers email invoicing, and the Google checkout shopping cart, through their administration panel.

Google’s most basic integration is the Checkout Store Gadget and buy now buttons,which allow website owners to visually create products and buy now buttons and then past them into their website. Multiple options can be added to a product and once clicked on the buyer can quickly make a purchase through the Google checkout system. The store gadgets are a great way to add a few products to a website, but if a store owner has an existing website or a full catalog of products, they’ll want to use one of the more advanced integration methods.

Google’s API offers advanced shopping cart integration and many features to streamline the purchasing process. Google also provides a number of well designed integration scripts in just about every language to get programmers off to a quick start. The API supports fully uploading a customer’s shopping cart items and descriptions, and allows for custom shipping and tax calculations, sales, discounts, coupons and just about anything else a website owner can come up with. Google Checkout is a moderately difficult service to integrate with, but the pre-made scripts are great and most medium level programmers shouldn’t have too much trouble once familiar with Google’s API.

Once a user is setup with a Google checkout account, it takes about 2 clicks total to make subsequent purchases. This is very important to help sales, as 3rd party checkout systems offer a mixed bag of conversion rates compared to an on-site checkout.

Amazon Payments

Amazon offers several methods of integration again ranging from simple paste-in code, to the most advanced API integration.

Amazon’s most simple method of integration is the Amazon Simple Pay, which is similar to Google and Paypal’s button creating features. Again like Paypal and Google, most website owners with more than a handful of products will want to use the more advanced integration methods.

Amazon’s API’s are very robust and offers a number of very advanced features. To list them all would be a post in itself, but they offer just about anything a business owner could want from pre and post transaction payments, variable amount donations, recurring payments, aggregation, 3rd party payments, credit card authorization and capturing, and all of the normal features a payment system would have. With the huge amount of features comes a the burden of trying to integrate Amazon’s system into a website, and I again stress that it is no easy task once a website moves past the basics.

The typical method that most merchants will want to use is Checkout by Amazon, which allows for a merchant to include shipping and tax information when their customer completes a purchase on Amazon’s checkout page. Checkout by Amazon will meet the needs of the majority or websites, and includes several sub-checkout methods for different situations, one allowing for a very quick conversion. The Amazon PayPhrase requires only that a customer enter their secret phrase on the checkout button, and the purchase is complete! Checkout by Amazon will not cater to developers with very special checkout needs, which is there Amazon’s most robust API comes into play, however 98% of website should be perfectly fine with Checkout by Amazon.

Amazon Flexible Payments represents the pinnacle of ecommerce payment technology at this point. Amazon Flexible Payments is also the obvious reason why Paypal has invested millions in their platform as it is truly a huge step ahead of anything out there. Amazon Flexible Payments allows for developers to create very complex payment mechanisms involving multiple parties and/or very flexible payment time-frames and parameters. Want to bill one customer, pay another and take a cut, Amazon Flexible Payments. Need to charge a customer a month after they download your software, Amazon Flexible Payments. If you can think it up, Amazon Flexible Payments can probably do it. However, with the huge set of features comes the difficulty in implementing them, and as stressed above is not an easy task. Amazon Flexible Payments is the most difficult payment system to integrate with, and is one of the more difficult API’s I’ve ever encountered. Amazon Flexible Payments supports only more advanced integration methods like SOAP (If you don’t know what this means, don’t worry, you don’t need to know). Realistically most beginning and even some intermediate and advanced level programmers will have a very difficult time integrating with many of Amazon’s more advanced services. The benefits for the right business are worth it, but most websites will be better suited with Checkout by Amazon.

Concluding thoughts

I cannot make a judgment on which 3rd party payment method is better because in the end it all comes down to your customers. Naturally you should use what your customers want to pay with, and for hopes of better conversion, it is a good idea to offer your customers alternate payment methods in case they do decide to use them. In the almost 10 years I’ve been running ecommerce websites, I can still honestly say that nothing beats straight credit card acceptance, through a payment gateway, at least for tangible products. Paypal makes a very strong statement if your business sells very-tech related products. If I were to pick 2 payment methods that I think every ecommerce website will benefit from, it would be direct credit card acceptance through a merchant account / payment gateway and Paypal. Just based on the usage, these 2 are absolutely essential. Google and Amazon have some amazing features, usability, and speed, but until more customers want to pay with them, they are still not on a comparable level.

40 Ecommerce Tactics is a very thorough guide to operating and marketing an ecommerce website. The guide is organized in a way that the reader can skip to whichever chapter they are interested in, if they don’t want to read the entire guide start to finish. The guide itself is over three hundred pages long, but these three hundred pages are completely void of filler content. The guide is clearly written and edited, and the only thing that stopped me from reading it all the way through was my own lack of time.

Topics Covered:

• Product creation
• Setting up a website
• Email marketing
• Pay per click (PPC) advertising
• Increasing customer conversion
• Closing a sale on a website
• Untapped marketing channels
• and the Overall growing of a business

Each topic contains a series of sub-chapters which cover the detailed areas within each topic. Everything from usability, search engine optimization, alternative marketing strategies, writing copy that sells, web analytics programs and anything else that is necessary for a website to be successful is covered in detail in the guide. Specific examples and recommendations are also linked throughout the guide, which can help to give real uses of the ideas covered in the guide. The guide is complete enough, that I would be comfortable saying that it is the only resource someone would need to jump, successfully, into ecommerce.

Unlike many other guides out there, 40 Ecommerce Tactics actually guides the reader. One thing that I really like about it is that it tells the reader exactly what works, what doesn’t, what to do, and how to do it. This is especially important as many less-savvy website owners struggle with actually figuring out how to implement much of the advice that is out there.

This guide is very successful in its purpose of providing the reader with the foundations for a successful ecommerce website. In this age, just about any information needed can be found on the internet. What the guide does that sets it apart from any other resource like it, is that is puts everything needed together in a easy to read, and very accurate guide. The guide completely avoids filler content, and although long, doesn’t contain any unnecessary information. The reason that the guide is long, is that it is thorough, and there is simply that much important information. The only improvement that I can think of, would be the ability to download the entire guide as a single file. The information in this guide would take the average website owner years to find on their own.

The Most Benefit:
I highly recommend this guide to website owners and entrepreneurs that are just getting into ecommerce. This guide although not free, will easily save you the money it costs, in time you would otherwise spend over the years figuring all of this out on your own. It will unquestionably give a new website a huge jump-start.

What you get when you purchase the guide:

• 40 Ecommerce Tactics Guide
• Lifetime access to the guide, including future updates
• 90 Day risk free, money back guarantee
• A best ecommerce guide book, money back guarantee
• A 1 hour consulting for your website with a MindValley professional

Conclusion:
This is a great guide for anyone in the ecommerce field. I’m not being paid to write this. I have no affiliation with Mind Valley in any way. I highly recommend this guide as a jump-start to making a well planned, successful website. In truth, this guide probably could have saved me a solid year of research time, if I had it when I entered into ecommerce.

Download the 7 free tactics and see for yourself.