Questions about credit card payment handling


G

gnewsgroup

I have never done anything involving handling credit card payment
online. I searched this forum a little bit, and found a few related
questions. But, I am still not clear how the solutions they talked
about work.

I do NOT want my users to go to another domain (either through a popup
window or not) to make the payment and redirected back to my web site,
because this does not sound professional. In other words, I would
like to handle the credit card payment right in my web application,
just like most professional online vendors do.

So, is PayPal still an option? Is there any sample code for any
payment API out there? Thanks a lot.
 
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G

George Ter-Saakov

There are several options you have
there is Google pay, PayPal, open merchant account

1. Google pay. You will have to do through Google site
2. PayPal - I believe they offer APIs to be able to process credit cards
transparently for user....
3. Open merchant account... Go to authorize.net - they are the most know
gateway....

George.
 
G

gnewsgroup

There are several options you have
there is Google pay, PayPal, open merchant account

1. Google pay. You will have to do through Google site
2. PayPal - I believe they offer APIs to be able to process credit cards
transparently for user....
3. Open merchant account... Go to authorize.net - they are the most know
gateway....

George.

Then Google pay is out.

If both 2 and 3 can process credit payment transparently, then they
are good options.
 
R

Rene

Hi,

Just my 2 cents but unless your site was a very well know site, I would
never give you my credit card information directly in your site just because
I know nothing about you.

On the other hand, I would have no problems buying something from you if I
saw that you are using Google or PayPal to process the payment. For this to
happen I would like to see the PayPal or Google etc domains to clearly
appear on the URI before I enter any personal information on the page.

I really don't agree with you that using a well-known outside party to
process the payment is unprofessional, I see that as the exact opposite.
When I buy something for your site I am interested on the products you sell
I personally could not careless about the checkout page.

Just my option.
 
M

Mark Fitzpatrick

You should probably do a lot, and I mean a lot of research first. There are
new rules by the credit card processing companies on what you can and cannot
do during the collection, processing, and storing of data. If you violate
these rules you can be in big trouble. That's one of the main reasons why
shopping carts are scrambling to get certified. You may want to start with
looking for a good cart system instead of trying to home-grow it. Sometimes
it makes it easier to get a merchant account setup since they can reject you
if they don't feel you've got your act together.

Check out http://www.dotshoppingcart.com/ They have an OpenSource edition
that has lots of excellent features and, because it's open-sourced, is
extensible.

Hope this helps,
Mark Fitzpatrick
Microsoft MVP - Expression
 
G

gnewsgroup

Hi,

Just my 2 cents but unless your site was a very well know site, I would
never give you my credit card information directly in your site just because
I know nothing about you.

On the other hand, I would have no problems buying something from you if I
saw that you are using Google or PayPal to process the payment. For this to
happen I would like to see the PayPal or Google etc domains to clearly
appear on the URI before I enter any personal information on the page.

I really don't agree with you that using a well-known outside party to
process the payment is unprofessional, I see that as the exact opposite.
When I buy something for your site I am interested on the products you sell
I personally could not careless about the checkout page.

Just my option.

Hey, I think you've a good point, which I think we should take into
consideration. Although I think for an established business which
already has a bunch of customers, it still makes sense to to the whole
thing in this site only.
 
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G

gnewsgroup

You should probably do a lot, and I mean a lot of research first. There are
new rules by the credit card processing companies on what you can and cannot
do during the collection, processing, and storing of data. If you violate
these rules you can be in big trouble. That's one of the main reasons why
shopping carts are scrambling to get certified. You may want to start with
looking for a good cart system instead of trying to home-grow it. Sometimes
it makes it easier to get a merchant account setup since they can reject you
if they don't feel you've got your act together.

Check outhttp://www.dotshoppingcart.com/ They have an OpenSource edition
that has lots of excellent features and, because it's open-sourced, is
extensible.

Hope this helps,
Mark Fitzpatrick
Microsoft MVP - Expression

That sounds sorta complicated. I have downloaded a copy of this
DotShoppingCartOpenSourceV2, will absolutely peruse it (I also
downloaded dashCommerce this morning). Guess I'm gonna have a busy
weekend.

Thanks for the reference.
 
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G

George Ter-Saakov

I do have I-commerce site... http://www.mspiercing.com relatively popular in
it's niche...
So here is from my experience..

1. It's unprofessional to transfer to Google,PayPal for payment. People do
not like that.
2. Most people do not trust PayPal/Ebay... there are a lot of negative
information in a press about them. Nobody writes about thousands of good
transactions on Ebay. But every newspaper love the story when people were
cheated from money on Ebay.... It's just life...
3. Trust matter. You can not put up a crappy site and hope that people will
leave their credit card info... Site must look professional...

PS: You can not make 100% of internet users happy.. Some have old computers,
some have viruses on computers, some have JavaScript disabled...
Some like PayPal (Rene for example), Some do not...
You will never get 100%... If you get 90% satisfaction rate - that is very
good.
The idea is to get majority of the people in you niche. I am positive that
have you started selling IT equipment you will see much higher percentage
people who trust Paypal, Google checkout than i am seeing in my niche.


George.
 

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