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You can integrate some local bank API for Credit Card Payment. it might not help much but 10-15% payment came from them and save your some money. I always suggest to have both options on website for coverage.

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I am working on it at the moment, but it is extremely hard. You have to communicate with them (through email) and describe what you want to do. They have too many requirements (like you should have the icons of MasterCard and Visa on your website) and it is even harder to convince them to allow you accept payments from the whole world (they usually only let you accept payments within your country).

With PayPal, everything is automatic. You can configure everything yourself and accept payments in no time, without having to communicate with an actual person from PayPal.

In Spain, the setup process is the same as when you are asking for a pos machine, you usually have to open an account with them. You get the same conditions than with the pos machine, something like 0.50% and 0.25€ fixed price, with discounts if you have great volume.

So they just refused my application for a credit card payment gate :( without describing a reason why.

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