(Please Note: Processing fees quoted below are not official and may vary according to their providing source. Make sure you check the fees charged by your own bank and processing service provider.)

All Credit Card facilities incur Merchant Fees that include a monthly amount and a percentage of the amount processed.

Options for Manual Credit Card Banking
  1. Hand written bank summary.
    - Fees: Normal Merchant Fees.

  2. Manually enter the credit card details into an EFTPOS terminal.
    - Fees: Normal Merchant Fees PLUS EFTPOS terminal fee.

  3. Computerized bank summary.
     - Fees: Normal Merchant Fees PLUS cost of software.

Options for Automated Credit Card Banking
  1. Bulk posting of credit card payments to your Banks’ third party
    processors’ bulletin board (if available).
    - Fees: Normal Merchant Fees. Minimum of 100 transactions per
   summary.(A fee is charged for less transactions).

 2. Real-time, Online processing via third party service provider (a gateway).
    - Fees: Normal Merchant Fees PLUS third party service providers’ fees
    (usually a percentage of processed amount PLUS flat fee per
    transaction)

It is possible to have your real-time processing done in the U.S. However, to do this, you are required to establish a U.S business, bank account and merchant facility and web hosting facility. You also need to take the exchange rate into account. Unless you have a very high number of transactions, this alternative is probably uneconomical.

 3. Via Paypal.
PayPal has quickly become a global leader in online payment solutions with 40 million member accounts worldwide. Available in 38 countries around the world, buyers and sellers on eBay, online retailers, online businesses, as well as traditional offline businesses are transacting with PayPal. For more details see www.paypal.com
    - Fees: Similar to Merchant Fees