How can I have people submit credit card details into my site?

12 years ago

definitely... secure encryption and ofcourse a few testimonials of successful transactions... the trick here is by presenting your site as professional as possible so that consumers will trust your site enough to give you their credi card details.

Thanks

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Kingfish85

12 years ago

I would advise against storing credit card details. You're much better off integrating a gateway where the details are processed through that vendor, such as paypal.

IF you're storing credit card details on your site and it get's compromised....you're opening yourself up to a world of problems. You need to factor in security as well as PCI compliance.

Thanks

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brentb

12 years ago

1. Unless you are doing tons of transactions, start off with just Paypal.

2. Don't ever store CC info, its just lots of extra problems.

3. If you like Infusionsoft, you can haggle with them to get that up front fee reduced or removed. But its easier if you are already set up and doing a certain amount of business per month. They won't give you as much leeway if you are new and may be making money/may fail and stop paying after 2 or 3 months...

Thanks

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MaxPowers

12 years ago

Another thing to consider with your merchant account is if they offer CNP (Card Not Present) transactions. There is a difference between an online merchant account and a store-front kind of merchant account where people swipe actual cards.

If you accept payment info on your domain, you will need SSL. You should also read up on PCI compliance to make sure your server is not vulnerable. There are a handful or two of server settings that help to prevent hacking attempts... at least the untargeted attacks.

As said before, never store CC info (in an email, database, etc) if you can help it at all (you can almost always avoid storing it). Your merchant should understand the transactionID and this ID should be stored with the order info on your site to handle customer queries, refunds, voids, chargebacks, etc.

From a marketing perspective, those little SSL badges on the page, near the submit button helps to ease people's minds. Make sure your gold lock isn't broken. If you load non-secure images, scripts, or stylesheets... you'll get a broken lock on your page and scare people away.

Thanks
1 reply

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Joe Stewart

12 years ago

He's absolutely correct about "Card Not Present" transactions. Merchant card processor's are not comfortable with the fact that the card isn't present at the point of sale. However, most companies WILL still do business with you. They pretty much have to in this day and age of internet use. They will likely charge you a higher rate, though.

A word of caution. Be VERY careful here and do plenty of research before you make a decision. I just got ripped off $200.00 by a sales representative that gave me some bogus information. I was fortunate that I demanded some of what he told me in writing. If I hadn't I would have been royally screwed!

Word to the wise, avoid dealing directly with FirstData or any of their sales Reps! I found a site (after the fact) that has around 850 complaints against them over the past three years.

The credit card industry is NOT regulated by the U.S. Government. Most of these sales reps are real scumbags and will tell you whatever you want to hear in order to get you to sign the contract. Once you're locked in you're screwed and if you simply refuse to pay the fees or close your bank account they'll just send you to collection.

Also, many credit card companies, including Paypal, will require a "Reserve Account", especially if they consider you to be a high risk from doing business online, mail order, bad personal credit, etc. They could hold from 10-20% of your GROSS income until they have 50% or more of your monthly processing limit.

Example, if they give you a monthly limit of $10,000 maximum processing then they may hold a percentage (10-20%) of your gross receipts until they have $5,000 in Reserve. You'll have to do the math and see if you can handle that and still be able to pull in a profit.

A couple places that have month to month contracts are Merchant Warehouse and Flagship. I went with Merchant Warehouse and although we did have a few bumps in the beginning, things have begun to run more smoothly now. They tried to start me off at a $5,000 monthly limit, but I demanded $15,000. I also made them give me something IN WRITING that stated that they would NOT hold any of my funds in Reserve without cause. "Cause" would be an excessive amount of chargebacks in a short period of time.

Your average ticket (amount of sale) can have an impact as well. For example, if your average sale is around $150.00 you may want to tell them it's $300.00, but you occasionally can get sales that are much more. Be honest and upfront with them so they don't have a reason to suspect you of any wrongdoing. Read EVERYTHING before you sign a contract!

Anyway, I hope that helps.

Joe

Originally Posted by MaxPowers

Another thing to consider with your merchant account is if they offer CNP (Card Not Present) transactions. There is a difference between an online merchant account and a store-front kind of merchant account where people swipe actual cards.

If you accept payment info on your domain, you will need SSL. You should also read up on PCI compliance to make sure your server is not vulnerable. There are a handful or two of server settings that help to prevent hacking attempts... at least the untargeted attacks.

As said before, never store CC info (in an email, database, etc) if you can help it at all (you can almost always avoid storing it). Your merchant should understand the transactionID and this ID should be stored with the order info on your site to handle customer queries, refunds, voids, chargebacks, etc.

From a marketing perspective, those little SSL badges on the page, near the submit button helps to ease people's minds. Make sure your gold lock isn't broken. If you load non-secure images, scripts, or stylesheets... you'll get a broken lock on your page and scare people away.

Thanks

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chrislim2888

12 years ago

Most of the merchant payment gateway will requires you to be PCI compliant for credit card transaction.

If you are start with small size, perhaps paypal is your choice.

Thanks
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Michael Harris 12 years ago

Alert pay is another option if you
don't like pay pal..

It's now called Payza, they were bought
out and relaunched with the new name in
May this year..
- Thanks
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CyberSEO

12 years ago

I would suggest 2checkout.com as a most stable and reliable credit card/paypal processor I was working with.

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mickeyroad 12 years ago

Originally Posted by CyberSEO

I would suggest 2checkout.com as a most stable and reliable credit card/paypal processor I was working with.

Yes, you should definitely try 2checkout.com, its reliable, secured and stable.
- Thanks
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newbim

12 years ago

Hi,
SagePay (UK) is a good one for the UK. They have top notch customer / technical services too so will help you out with the integration too (I used to work for them) and use them with anything I do.

Hope this helps.

Andy.

Thanks

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AZMD

12 years ago

Originally Posted by kennyall

Im just starting to get into the different options of all in one shopping carts, I have a merchant account with my bank and right now I'm looking at 1shoppingcart, and premium web cart (was interested in infusionsoft but the $1,500 startup fee turned me off)...

What I want to do is have my checkout form integrated into my actual website but I'm not sure how I can do this? Does anyone who has experience with 1shopping cart or premium webcart know if these options are available? I believe I'll also need secure hosting...

Appreciate any feedback

Try Mals. I've used them for different reasons for many years without a flaw. They have a free account that you can set up and use as much as you want and a small upgrade fee if you want to remove their little logo from the bottom.

The cart itself is on a secure server and it is easy to set up on your website.

I have no affiliation with them other than using their cart and the link is here if you want to look them over. https://www.mals-e.com/index.php

Enjoy!

Thanks

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How can I have people submit credit card details into my site?

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