Creator of one of the top merchant account and credit card processing review websites on the Internet, CardPaymentOptions.com, and author of "Fee Sweep - How to Accept Card Payments Without Getting Scammed," Phillip has over a decade of experience in the card processing industry. He can advise you on the following topics:
- Selecting the right credit card processing services for your business.
- Reducing credit card processing fees with your current merchant account provider.
- Negotiating credit card processing fees when changing merchant accounts.
- Strategies for reducing and recovering funding holds and chargebacks.
Topics that Phillip cannot consult:
- Working as an employee or agent in credit card processing.
- Starting or creating a payment services company or technology.
- Accepting card payments outside of the United States.
- Non-U.S.A.-based businesses of any kind including those conducting business within the U.S.A. but based off-shore.
You are correct in your assumption that Shopify is a more turnkey solution. Although Wordpress has become a very versatile content management system, it is not a great solution for a novice.
Here's a review that I wrote about Shopify, if you are curious: https://www.cardpaymentoptions.com/credit-card-processors/shopify/
I believe that you may be over-complicating this a little. Typically, you need to have either citizenship or some other legal presence within a country to open a checking account within it. I would recommend establishing accounts in your own country first and then using ATMs in other countries to withdraw money, as "wiring" money internationally can be expensive. If you just need to pay for expenses while abroad, look instead into using credit cards that have no foreign transactions fees such as the Capital One Venture Card. If you really need accounts in multiple countries, you will likely need to incorporate within them.
As for accepting payments in different currencies. Your best bet will probably be 2Checkout or Stripe Atlas to start. Stripe Atlas will probably have lower fees but will take more technical expertise to get up and running. Best of luck to you!
-- It would be nice to able to customize the color scheme and size of the embeddable widget.
-- Option to Include star rating in embeddable widget.
-- Select that you are "Available Now" and have the widget and website reflect such. This way, someone can ring you up the moment they are wanting to talk, or schedule a call for later.
-- Option to remove Clarity branding from embeddable widget.
With your business type, I would imagine that you are keying-in most of your payments or that your costumers are keying-in the information themselves. There are several options out there that are better than Quickbooks and Authorize.net, and have comparable fees.
For example, the I would recommend one of the following methods or a combination of the: 1. A virtual terminal where you will collect and enter the payment information yourself, an invoicing service that will send the invoice and direct the customer to a payment page, or a "buy now" type button that you can put on your website and direct customers to enter in their payment information.
I would need more detail about your business before I could start giving specific recommendations. Feel free to schedule a call with me if you wish to find a solid solution.