Im new to e-commerce, and am In just the making of my site. Id like to have a form on it that allows people to input either there credit card information or checking information. Could someone point me in the right way? So they input that information in a form. Then what? Who processes that and charges their card/check? Me? If so, how would I do all this?
If you go with a 3rd party processor such as Paysystems.com, they will handle all the billing. The users will enter their CC information on a form on the Paysystem server.
If you want more control, you'll want to get a merchant account.
A 3rd party solution is probably a good way to start off.
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With a 3rd party solution you would just link to the processor's site, which has the form. I believe Paysystem charges a $50 setup fee, and takes a percentage of each transaction. The transaction is handled by paysystems using SSL, so it would be secure.
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I've always like Auth.Net. Doing development for shopping carts you can use cURL + SSL to keep the client on your site instead of having them go to the 3rd party site and back. Here's the big list of people that resell Auth.Net: http://www.authorizenet.com/reseller/directory.php
You could probably look at some existing code if you need examples. The osCommerce project has quite a few plugins for different CC Processors.
Yeah but I was frauded 28 dollars once, someone used a fake credit card. 28 isnt much, but what I will be selling will be $500+. I think it looks alot more professional if you accept credit cards. Id prefer to have my site SSL, which I would do, then make a form with all the card information. But I dont know how you would process that.
Sign up with one of those Auth.Net resellers. They'll also set you up with a merchant account, etc. Once you have the account you can access their integration documentation. OR, just give them a call and ask them a bunch of questions. They probably deal with people all day long wanting to know how to set this stuff up and can 'probably' explain it very well.
if your selling something simple like tangibles go with 2checkout.com or paypal if its hosting or domains you use either paypal. worldpay,mypaysystems, authorize which requires merchant account your gonna want something probably then supported by automation software like those mentioned.
I dont really know what I want. Id like to sell my products; computers I make, and web sites I design, to the public. I dont really care how to do this, I just want a secure (SSL) transaction. I want to be able purchase through either a credit card or my paypal account. Getting a headache trying to figure out how to set this up. Please reply if you can.
Here is what LinkPoint API uses as their definition:
LinkPoint API (Application Programming Interface) is comprehensive payment processing software for the merchant who requires a more sophisticated payment solution. LinkPoint API gives merchants complete control over how their payments are processed, and allows them to build transaction processing applications that can process payments from a Web site or from multiple Point of Sale terminals. Ideal for either e-commerce or large-scale retail situations, LinkPoint API uses Secure Sockets Layer (SSL) technology to encrypt and pass confidential transaction and order information directly to the LinkPoint Secure Payment Gateway.
LinkPoint API includes modules that calculate tax and shipping and that enable the sale of digital content through electronic soft-good downloads (ESDs). In addition, LinkPoint API provides sales, returns, real-time authorizations, purchasing cards and real-time reports.
If you do use an API, you would need to get a security cert. Check out http://www.ev1servers.net/english/index.asp for more information on this. They offer both ChainedSSL & Geotrust for a lot less money. Of course most gateway offer their own SSL. It is usually a pretty generic page, but if you do not want an SSL & worry about the CC data on your website, it might be the better way to go.
Yes, at around $600 every sale I make, that would be about 2 sales a day.
Considering I dont know either ASP or PHP, I'll go with PHP. I know how to install it and everything, and after I learn C++, I will get some books and learn PHP (Might not even get books).
Does oscommerce require for you to get your own SSL certificate and all that? I've looked at oscommerce and it is definatly what I will be doing. I can accept intergrade paypal into oscommerce I see.
Id also like to intergrade a gateway (or whatever you call it), such as 2checkout. So I looked at 2checkout and signed up, but didnt purchase anything. I looked at their Terms of Service just because I was curious, and it says I must be of 18 years of age or older. I wrote a ticket (I think this is like writing them an email except you get answered much slower ) about it. I think its about you cant be held liable in court or something, or minors can just say "I didnt do it" or something along those lines.
As a side note, I have the complete consent of my parents to go through with this, that is, allowing me to process peoples credit cards (actually others, such as 2checkout), as well as using paypal for allowing the public to purchase my products.
So now I guess I'm just waiting for 2checkout to respond to my ticket, or possibly someone here at the forums can help me out.
Edit: I've also checked out a number of Authorize.net resllers, and most want my Federal Tax ID and things like that. Of course I dont have one or know what one is, but I think you get one when you turn 18.
Edit: If I dont talk to you personally I dont think people will know exactly what I want, or understand that I am a minor. I would rather setup this on my own. I now know what I want to do, I just need to figure out how to get through with 2checkout.
Last edited by philman213; 04-25-2004 at 01:54 PM.
Most CC processors will require a social security number, driver's license, etc. We do not require all of that. But you must be 18 to have a merchant account. You can have your parents or someone co-sign to obtain a merchant account for you - that is what a lot of our clients do.
You cannot legally have your own merchant account - not even a a Paypal account. Check this forum actually. A 16- or 17-yr old had a Paypal account, Paypal found out & froze their money.
Netbilling is only a gateway - they can help set you up with a merchant account as well if you want. BUt you have to have a co-signer. You cannot legally enter into any type of a contract.
As far as osCommerce requiring an SSL - it is not necessarily that osCommerce requires an SSL since it is only a shopping cart. It is the way you set it up to communicate with the gateway
Definitely check out Corey. They have helped us out a lot and they are straight shooters. You could not go wrong using him & their services. He has let us use his programmer numerous times to tweak our shopping cart or add extras.
We contacted a few others on this board & they either took days to call us back if they did or discovered a lot of hidden charges.