Credit card processing
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I want to give my web site credit card processing facilities. But I don't know how to do this. I've read some articles on the internet, but I don't have clear idea on the following things. :confused: 1. How to get a merchant account 2. If I'm going to use cyber cash, pay pal or verisign do I still need a merchant account 3. Let's say I've got all this. Where shall I send the client's credit card information when a client is purchasing items. Can I use some web services or do I need special software. 4. How to validate the credit card number. Are there any reliable web services. I'll really appreciate if some one can provide me with some answers. Thanks. UB You may stop this individual, but you can't stop us all... after all, we're all alike. +++Mentor+++
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I want to give my web site credit card processing facilities. But I don't know how to do this. I've read some articles on the internet, but I don't have clear idea on the following things. :confused: 1. How to get a merchant account 2. If I'm going to use cyber cash, pay pal or verisign do I still need a merchant account 3. Let's say I've got all this. Where shall I send the client's credit card information when a client is purchasing items. Can I use some web services or do I need special software. 4. How to validate the credit card number. Are there any reliable web services. I'll really appreciate if some one can provide me with some answers. Thanks. UB You may stop this individual, but you can't stop us all... after all, we're all alike. +++Mentor+++
UB wrote: 1. How to get a merchant account You need to choose which service you'll use. Usually their web sites tell you how to get an account. Sometimes even your site hosting company will provide CC processing for a "smallish" fee as part of your SLA, that way you don't have to get a merchant account at all, just upgrade your hosting plan! If they do offer it, your hosting company should be able to answer your questions on what you need to do to actually accomplish this if you decide to go with their plan. UB wrote: 2. If I'm going to use cyber cash, pay pal or verisign do I still need a merchant account Yes. Some of these services allow you to do the final order as a secure session on their hosts, where you pass tokens along to them (such as user, order #, totals, etc.) if you don't have to have SSL on your site. Or... UB wrote: 3. Let's say I've got all this. Where shall I send the client's credit card information when a client is purchasing items. Can I use some web services or do I need special software. ...they provide a forms interface to their CC processing, or you run CGI, instantiate business objects, call a web service...it really is up to the CC processor provider you choose. UB wrote: 4. How to validate the credit card number. Are there any reliable web services. There are some free JavaScript CC # validators for the client side, to make sure they "hash" correctly. Otherwise, the service you choose will do validation as part of their CC processing. ---- If you're storing User information on your site, you should consider using SSL once the users have logged so the users information, orders, et al. are more secure.
Ian Mariano - http://www.ian-space.com/
"We are all wave equations in the information matrix of the universe" - me -
UB wrote: 1. How to get a merchant account You need to choose which service you'll use. Usually their web sites tell you how to get an account. Sometimes even your site hosting company will provide CC processing for a "smallish" fee as part of your SLA, that way you don't have to get a merchant account at all, just upgrade your hosting plan! If they do offer it, your hosting company should be able to answer your questions on what you need to do to actually accomplish this if you decide to go with their plan. UB wrote: 2. If I'm going to use cyber cash, pay pal or verisign do I still need a merchant account Yes. Some of these services allow you to do the final order as a secure session on their hosts, where you pass tokens along to them (such as user, order #, totals, etc.) if you don't have to have SSL on your site. Or... UB wrote: 3. Let's say I've got all this. Where shall I send the client's credit card information when a client is purchasing items. Can I use some web services or do I need special software. ...they provide a forms interface to their CC processing, or you run CGI, instantiate business objects, call a web service...it really is up to the CC processor provider you choose. UB wrote: 4. How to validate the credit card number. Are there any reliable web services. There are some free JavaScript CC # validators for the client side, to make sure they "hash" correctly. Otherwise, the service you choose will do validation as part of their CC processing. ---- If you're storing User information on your site, you should consider using SSL once the users have logged so the users information, orders, et al. are more secure.
Ian Mariano - http://www.ian-space.com/
"We are all wave equations in the information matrix of the universe" - meThank you very much for your reply. You really saved me. ian mariano wrote: ...they provide a forms interface to their CC processing, or you run CGI, instantiate business objects, call a web service...it really is up to the CC processor provider you choose. CC Processor ... is this the same as "Payment Gateway". Is Nova a payment gateway. What are the other top gateways. I really appreciate your help. Thank you very much. :rose: UB You may stop this individual, but you can't stop us all... after all, we're all alike. +++Mentor+++
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Thank you very much for your reply. You really saved me. ian mariano wrote: ...they provide a forms interface to their CC processing, or you run CGI, instantiate business objects, call a web service...it really is up to the CC processor provider you choose. CC Processor ... is this the same as "Payment Gateway". Is Nova a payment gateway. What are the other top gateways. I really appreciate your help. Thank you very much. :rose: UB You may stop this individual, but you can't stop us all... after all, we're all alike. +++Mentor+++
"CC Processor ... is this the same as "Payment Gateway". Is Nova a payment gateway. What are the other top gateways." Nova is a payment processor, i.e. they take the credit card transaction and put the money in your bank account. A gateway is simply a software package that works with a processor's defined message format to send your transactions for authorization and payment. The fuzziness comes in when you consider that Nova, and other processors, also have their own gateways. Nova has viaKlix, but they also work with Verisign and Authorize.Net, two of the larger gateways.
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"CC Processor ... is this the same as "Payment Gateway". Is Nova a payment gateway. What are the other top gateways." Nova is a payment processor, i.e. they take the credit card transaction and put the money in your bank account. A gateway is simply a software package that works with a processor's defined message format to send your transactions for authorization and payment. The fuzziness comes in when you consider that Nova, and other processors, also have their own gateways. Nova has viaKlix, but they also work with Verisign and Authorize.Net, two of the larger gateways.
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I want to give my web site credit card processing facilities. But I don't know how to do this. I've read some articles on the internet, but I don't have clear idea on the following things. :confused: 1. How to get a merchant account 2. If I'm going to use cyber cash, pay pal or verisign do I still need a merchant account 3. Let's say I've got all this. Where shall I send the client's credit card information when a client is purchasing items. Can I use some web services or do I need special software. 4. How to validate the credit card number. Are there any reliable web services. I'll really appreciate if some one can provide me with some answers. Thanks. UB You may stop this individual, but you can't stop us all... after all, we're all alike. +++Mentor+++
Hi You could use Caledon Card services for your merchant account. They seemlessly integrate to your site or cart, and provide a virtual terminal to accept by phone or mail at no extra charge, and at the same low rate. www.caledoncard.com