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View Full Version : Need to save customer's credit card info, but..


zhangsong88
04-27-2004, 12:46 AM
Is that safe? because I need to rebill customer monthly and rebilling price may change. So paypal's recurring billing can't be used. What method do your web site use for recurring billing?

philman213
04-27-2004, 01:05 AM
Im not sure how to answer your question, but I know Chris @ CDGcommerce.com will. Hes very smart and helpful. I highly suggest him over anyone, for just about anything. :)

cdgcommerce
04-27-2004, 08:27 AM
Thanks for the kind words, philman. :)

With respect to your need to re-bill your customers monthly but at a varying price, there are a few ways to do it. Here are two methods:

- One way is to encrypt and locally store the credit card data on your PC. If you do that, you'll want to store it on a secure PC that is not connected to the Net or which is beyond a firewall and you'll also want to make sure it is secure both externally and internally.

You could then adjust the billing amounts and upload the cards as a credit card file batch to a payment gateway... or run it through a PC software application with a modem dial-out or even a TCP/IP connection.

- Another way is to use a gateway system that will allow you to remotely securely store a portion of the credit card data on its side and the rest on your side and then send through a request to reconstruct the card and process the transaction. This method would allow you to automate your billing without requiring the manual steps illustrated in the first approach - but still provide you with a high level of security.

thetopguy
04-27-2004, 08:35 AM
Check out Corey over Merchant Accounts 4 Less. He has a beta test going for a new program for re-billing that he allowed us to use. It seems to be exactly what you need. He stores the credit card numbers for you and does charge you anything extra for these like a lot of gateways try to do. They also allow you to go in, change the price and then send an e-mail to the customer for them to confirm payment. I do not know if he is ready to take the programming public but we have been working with him for about 2 months, he helped set us up a merchant account when a lot of other companies would not even return our e-mails or calls. He is set up to communicate with LinkPoint and Authorizenet.com gateways I remember. They are in the process of also linking to Verisign as well he told me the other day.


We have been extremely happy with it and our customers love it. It gives them more power over the recurring billing. We were afraid that we might lose customers before it made them interact and approve the charge but we have actually loss less customers on this type of project and our chargebacks are almost nothing compared to others in this industry.

Corey Bryant
04-27-2004, 09:50 AM
Thanks the topguy & you sure have given it a work out which is much appreciated. We should be rolling it out soon but you know how I am - I want it to be perfect. of course :)

zhangsong88
04-27-2004, 05:53 PM
cdgcommerce,

Both way you suggested seem good to me. Can you please also introduce me some service provider for both services?

Thanks.

cdgcommerce
04-29-2004, 09:29 AM
In terms of a software solution that could fit the bill for you - PC Charge is a good solution that would provide some flexibility in that regard. You could also utilize the batch upload feature for gateways like Authorize.Net that support such a function.

On the latter method, I am unable to really comment with respect to your question due to the forum TOS.