I went with PayPal for my clients that did not like to pay with credit card, and I chose PayQuake Internet Merchant account for shoppers that use Visa, MasterCard or AX. Thank you SpeedFox for explaining the pros and cons for my ecommerce store.


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Internet Merchant Account

SpeedFox offer a low cost and easy way for small and medium sized businesses to sell online.To accept credit card payments online you need the following tools:

  • An Internet Merchant Account
  • A Payment Gateway Account

SpeedFox provides both these tools in one package. Plus, all SpeedFox hosting accounts include ecommerce software (the shopping cart). With these 3 tools combined, any merchant can sell online successfully!

How to get started with a Merchant Account and Payment Gateway:

  • Determine which plan you would like to apply for, then complete the appropriate application. PayQuake is a 3-tier system. Each of the 3 plans is outlined, below.
  • If you are an International customer, complete the International Merchant Account application.


Unlike traditional merchant accounts, with "Pay for Play", you try out the service before you make a commitment. The annual fee is not charged until you have been using the service for 60 days. No cancellation fees. One small annual fee of $49, a percentage rate of 3.75% and a transaction fee of 50 cents. No monthly fees - period.

The Service Charge is a monthly fee that includes: Gateway Cost and Set-up, monthly Gateway Fee with Authorize.net and Online Statement service. This is included FREE of charge with "Pay for Play".

The three-tier system is convenient. The merchant account dynamically grows according to the seller's needs. Each month the seller receives a statement showing the month's activity and the total fees that would be charged under all three plans. At any time, the seller can visit the site and click a button to upgrade to the next tier.

International Merchant Account application - click here.

Pay for Play

  • No Setup Fee
  • No Monthly Minimum
  • No Service Charge
  • $49 Annual Membership Fee
  • 50? Transaction Fee
  • 3.75% Discount Rate
Sign up now

Select Plan

  • $99 Setup Fee
  • No Monthly Minimum
  • $9.95 Service Charge
  • $49 Annual Membership Fee
  • 40? Transaction Fee
  • 2.75% Discount Rate
Sign up now

Pro Plan

  • $99 Setup Fee
  • No Monthly Minimum
  • $19.95 Service Charge
  • $49 Annual Membership Fee
  • 30? Transaction Fee
  • 2.35% Discount Rate
Sign up now

Every month when you receive your statement, you will see what each type of account would cost you in fees. If you have the "Pay for Play" plan and see that the Select plan would save you money, just click the link and switch. When the Pro becomes more economical, switch again. Your merchant account grows along with your business.


If you would rather not have a traditional merchant account, PayPal may be the solution for you. PayPal will work directly with Miva Merchant ecommerce software. It costs nothing to sign up for a Personal Account.

PayPal lets any business or consumer with an email address securely, conveniently, and cost-effectively send and receive payments online using their credit card or bank account.

The PayPal network builds on the existing financial infrastructure of bank accounts and credit cards to create a global, real-time payment solution. PayPal delivers a product ideally suited for small businesses, online merchants, individuals and others currently underserved by traditional payment mechanisms.

PayPal was recently acquired by eBay, and is the 2002 SIIA Codie Awards winner for "Best eCommerce Solution" and is recognized by PC Magazine as one of "The Top 100 Web Sites."

Personal Account

  • Send money for FREE
  • Receive money for FREE (non-credit card payments only)
  • Can upgrade to a Premier account at any time
Sign up now

Premier Account

  • Send money for FREE
  • Low fees for receiving money
  • No limit on receiving credit card payments
  • Exclusive customer service hotline 7 days a week
  • Special tools for sellers
  • ATM debit card for select users
Sign up now

Business Account

  • Include all the features Premier accounts
  • Can do business under a corporate or group name
  • Access to Multiple Logins
Sign up now

All accounts include:

  • Send and receive money online from a credit card or checking account
  • Earn money market returns on your PayPal balance
  • FDIC pass-through insurance up to $100,000
  • Email-based customer service
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