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Accepting credit card orders on the Internet is easier said than done — credit card transactions are a complex process, and hundreds of companies offer products that claim to handle the details for you. Choosing the best one for you is not easy. Regardless of the companies or services you enlist, there are 3 basic steps to accepting credit cards: 1) Getting the customers credit card number from the user's browser to you securely, 2) Processing the credit card information and authorizing the transfer of funds to a merchant bank 3) A merchant account with a bank that underwrites the risk involved in your transaction processing.
Taking Credit Card Information.
The most popular way to accept credit cards securely over the Net is the secure sockets layer (SSL) protocol. Whether you gather customer credit card information from a form or a shopping cart, you will want it to happen on a secure server. In order to make a server secure using SSL, a digital certificate is required. The digital certificate identifies you as a legitimate business and allows all information to be encrypted for travel over the web. Sound confusing? Well, it can be a hassle if you don't know what you are doing. Fortunately most web hosting providers can help you with this and take care of it automatically, but note that you will inquire in additional fees for having this service. The exception to this rule is Pay Pal which provides its on SSL becaue the transactions are posted on their servers.
Getting a Merchant Account
You'll need a special bank account in order to accept credit card orders. Most banks offer merchant accounts — the problem is figuring out which one offers the best price, usually as a percentage of each credit card order that you submit. Most banks charge higher fees for what they consider risky accounts, such as those with large numbers of charge-backs or fraudulent charges. Usually a U.S. business checking account and good credit are required to get approved for a merchant account. If you have a regular account with a FDIC bank, services such as Pay Pal and Charge.com will direct deposit to your account.
Processing Credit Cards
This is where things get really tricky. Dozens of companies offer transaction processing software that sends the right information to everyone involved in the sale — your bank, the customer's bank, the bank issuing the credit card and so on. But most banks work with a handful of the biggest companies, including Authorize.net, and CardService International. Some processors lease their services to you for a monthly fee, while others take a percentage of your sales. Some processors will help you get a merchant account if you need one, and many have deals with ISPs that provide everything you need to build an online store. Be sure before you make any commitments that your processor is compatible with your merchant bank and your shopping cart software if you plan to do real-time processing.
The following services are recommend by us for use in our web portals.
PayPal is the world's largest online payment service, with over 4 million businesses and 30 million members in 38 countries around the world. It offers:
- No start-up or monthly fees
- Low transaction fees
- Proven fraud protection
click to: Signup with PayPal.
Charge.com
The best place to get a merchant account. Accepts all kinds of businesses. No application fee, 98% approval rate. These guys want your business and work very hard to help you get set up with your own merchant account.
click to: Signup with Charge.com.
Electronic Transfer, Inc.
Offers credit card merchant accounts to small businesses, Internet merchants, and home-based businesses. One of the highest approval rates in the industry. They handle anything from "mom and pop" business to million-dollar companies. They also have extensive experience with internet start-up companies, home based merchants and internet merchants.
click to: Signup with Electonic Transfer Inc.
Card Service International
Allows merchants and retailers to accept electronic payments on the user's Web site in real time.
click to: Signup with Card Service International.
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