Re: Online CC Processing

This WebDNA talk-list message is from

2002

It keeps the original formatting. numero = 44547
interpreted = N
texte = At 8:39 AM 10/30/02, Velma Kahn wrote:>I know that various pieces of these questions have been covered in >the past, and I will search the archives and learn whatever I can >learn, but I believe this topic is of enough general interest to >warrant a current conversation.>>What discount rates, transaction fees, monthly fees, setup fees are >you all paying, with what transaction processors?Our processor charges $99 to set up an account.They charge $10/month as an activity fee. No charge for a month with no transactions. We pay ~2.5% discount on charges. They do not charge you for the first 5 chargebacks in any given month. Funds are deposited in a no-fee merchant account two business days after the charge. (3 days for amex).You can interact with them a number of ways.The first way is through their web gateway. With this method, you fill out the cardholder name, address, CC#, expiration date and amount. Click submit and you get a web page back with the approval number. We use this method for some of our clients who don't want or need realtime CC processing. We dump transaction data in a database. The client searches the database for the transcations and next to each transaction we display a charge link. When the client clicks the charge link, we return a web form that is identical to the processor's web form with all the form fields already filled in with data from the database. The client clicks SUBMIT and the charge go through.The other ways to interact with this processor are through their realtime on-line gateway. You can interact with the realtime gateway from your server using either their API or by simulating a web submission using webDNA's TCPConnect with SSL or via CURL. We're almost finished with integrating the system into WebMerchant.>>Which transaction processors have proved most reliable? What method >are you using to interact with them? What happens to your store/s >when they are down--can they continue to take orders relatively >gracefully?All stores should have the ability to accept transactions and do something short of throwing stuff in the toilet should the payment processor be unreachable. This is more a function of your transction system then of the CC payment processor.>>What sample source code is there available for interacting with what >processors? Is the WebMerchant stuff worth looking at? (In my view, >nothing else in StoreBuilder is much worth looking at, except for a >few pieces of sample syntax.) If so, where would one begin looking >at the WebMerchant stuff with an eye to making some sense out of it? >Has anybody posted any other source code anywhere, or would anyone?We never used storebuilder until a few months ago. But having had to use it for two quickie sites in the past 2 months, I'm a believer. Like it's counterpart, Database Helper, there's lots that I want to change about the way it works. And like most stuf these days it suffers from a sever lack of documentation. But it is easily extensible and customizable. I can't wait to finish the integration of our CC payment system with WebMerchant.>>For myself, I develop on the PC, and my live stores are on Mac and >Unix (sorry I don't remember which Unix :( .. ). So I'd prefer a >solution that was inexpensive, reliable, and easily transportable >between platforms. Got one of those?Choose any two:-inexpensive-reliable-easily transportableNothing personal, but why do people what the most of everything and yet the cheapest of the bunch? You get what you pay for comes to mind more and more frequently these days. It seems to me that the availablility of one's web server and the handling of one's credit card transactions would be up really high on a list of things I'd want to work really really well if I ran a web based internet store.--j-- ____________________________________________________________Joseph D'Andrea ~ http://www.west21.com/ ~ JoeDan@West21.com WEST21.com Internet services for the 21st Century webhosting ~ co-location ~ wireless access WebCat and MGI database programming____________________________________________________________-------------------------------------------------------------This message is sent to you because you are subscribed to the mailing list .To unsubscribe, E-mail to: To switch to the DIGEST mode, E-mail to Web Archive of this list is at: http://search.smithmicro.com/ Associated Messages, from the most recent to the oldest:

Re: Online CC Processing (Gyuri 2002)
Re: Online CC Processing (Velma Kahn 2002)
Re: Online CC Processing (Velma Kahn 2002)
Re: Online CC Processing (Joe D'Andrea 2002)
Re: Online CC Processing (Gary Krockover 2002)
Online CC Processing (Velma Kahn 2002)

At 8:39 AM 10/30/02, Velma Kahn wrote:>I know that various pieces of these questions have been covered in >the past, and I will search the archives and learn whatever I can >learn, but I believe this topic is of enough general interest to >warrant a current conversation.>>What discount rates, transaction fees, monthly fees, setup fees are >you all paying, with what transaction processors?Our processor charges $99 to set up an account.They charge $10/month as an activity fee. No charge for a month with no transactions. We pay ~2.5% discount on charges. They do not charge you for the first 5 chargebacks in any given month. Funds are deposited in a no-fee merchant account two business days after the charge. (3 days for amex).You can interact with them a number of ways.The first way is through their web gateway. With this method, you fill out the cardholder name, address, CC#, expiration date and amount. Click submit and you get a web page back with the approval number. We use this method for some of our clients who don't want or need realtime CC processing. We dump transaction data in a database. The client searches the database for the transcations and next to each transaction we display a charge link. When the client clicks the charge link, we return a web form that is identical to the processor's web form with all the form fields already filled in with data from the database. The client clicks SUBMIT and the charge go through.The other ways to interact with this processor are through their realtime on-line gateway. You can interact with the realtime gateway from your server using either their API or by simulating a web submission using webDNA's TCPConnect with SSL or via CURL. We're almost finished with integrating the system into WebMerchant.>>Which transaction processors have proved most reliable? What method >are you using to interact with them? What happens to your store/s >when they are down--can they continue to take orders relatively >gracefully?All stores should have the ability to accept transactions and do something short of throwing stuff in the toilet should the payment processor be unreachable. This is more a function of your transction system then of the CC payment processor.>>What sample source code is there available for interacting with what >processors? Is the WebMerchant stuff worth looking at? (In my view, >nothing else in StoreBuilder is much worth looking at, except for a >few pieces of sample syntax.) If so, where would one begin looking >at the WebMerchant stuff with an eye to making some sense out of it? >Has anybody posted any other source code anywhere, or would anyone?We never used storebuilder until a few months ago. But having had to use it for two quickie sites in the past 2 months, I'm a believer. Like it's counterpart, Database Helper, there's lots that I want to change about the way it works. And like most stuf these days it suffers from a sever lack of documentation. But it is easily extensible and customizable. I can't wait to finish the integration of our CC payment system with WebMerchant.>>For myself, I develop on the PC, and my live stores are on Mac and >Unix (sorry I don't remember which Unix :( .. ). So I'd prefer a >solution that was inexpensive, reliable, and easily transportable >between platforms. Got one of those?Choose any two:-inexpensive-reliable-easily transportableNothing personal, but why do people what the most of everything and yet the cheapest of the bunch? You get what you pay for comes to mind more and more frequently these days. It seems to me that the availablility of one's web server and the handling of one's credit card transactions would be up really high on a list of things I'd want to work really really well if I ran a web based internet store.--j-- ____________________________________________________________Joseph D'Andrea ~ http://www.west21.com/ ~ JoeDan@West21.com WEST21.com Internet services for the 21st Century webhosting ~ co-location ~ wireless access WebCat and MGI database programming____________________________________________________________-------------------------------------------------------------This message is sent to you because you are subscribed to the mailing list .To unsubscribe, E-mail to: To switch to the DIGEST mode, E-mail to Web Archive of this list is at: http://search.smithmicro.com/ Joe D'Andrea

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Re: Online CC Processing

2002

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