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eCommerce and payment gateways for small businesses

Hi all,

I have a bit of a generic question.

I am delivering eCommerce solutions to clients who are small businesses. Some of them don't really want an online shop as such but would a bespoke solution that would allow them to receive payments online, say around 10 transactions a month.

So I'm looking for other developers practical experience of a cost effective payment gateway. A client who is paying £250 for a small website but also wants online payments gets put off by...
1) A online payement gateway of the same cost £240ish every year (Sagepay for example is £20 per month)
2) Paying commission on each transaction (Paypal for example).

Is there a payment gatetway that accomodates the less financially well endowed small business?

Thanks for your time.

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Andrew Angell

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John Easton

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MonCapitan

ASKER

Thanks for the replies.

The 10 transactions a month might be for around £2000 - £8000 each as they sell expensive products. Paying commission starts to become noticeable. Do PayPal change their commission per transaction or by amount earned?

John Easton

Looking at the UK PayPal site the transactions fees are £0.20p plus 3.4%. However this falls the higher your monthly turnover. See here and click the link to the full breakdown. If turnover exceeds £55,000 this drops to 1.4% plus 20p.

I think this is fairly standard across the credit card industry.