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Ecommerce Forum

PayPal denied Virtual Terminal, but still need a way to process CC

 3:09 pm on Jan 28, 2009 (gmt 0)

We've got a client who we built an osCommerce shopping cart for, and after a lengthy, painful back-and-forth managed to get him set up with a PayPal business account with Website Payments Pro last year, but due to some issue with the guy's credit (apparently) he was denied for Virtual Terminal. However, he had a merchant account (not sure what company) that he was using to process customer orders for services he was providing that weren't related to the shopping cart, so the lack of VT wasn't an issue until now...

He called us a couple of weeks ago out of the blue to tell us that he had canceled his merchant account a few weeks before "because they were charging too much" and now he had no way to process credit cards for his offline services anymore. He assumed PayPal could do it so he wanted me to set him up for that.

Anwyay, after eventually finding out from PayPal that he was denied for VT, I set up a temporary thing for him to process his long-overdue customer invoices using the PayPal "donate" button and just plugging the customer's CC details in, but I know this probably isn't a viable solution for the long-term (especially since we're already running into the "Please enter a different credit or debit card number" problem).

Is there any way, using existing PayPal and/or osCommerce features or addons, that we can get this guy something resembling VT so he can process credit cards for services that are separate from the stuff he sells in his cart? I've looked through the osC addons but don't see anything that jumps out at me.

Difficulty: This guy is as hands-off as it's possible to get and still run a business. He won't be signing up for another merchant account (what sort of businessman just cancels his merchant account without even discussing it with their Webmaster first? And then waits three weeks while the invoices mount up before mentioning it?), we've already tried re-applying for VT for him and been denied, and there's no way he can demand that all his customers create their own PayPal account in order to pay him. There's also no way I'm going into the shopping cart and adding a "dummy product" for the specified amount every time he has a new invoice that he needs to process. (He doesn't maintain the shopping cart himself at all -- any time there's a new product or a price change, we update it for him. Like I said, he's as hands-off as he can possibly be when it comes to the technology end of running his business.)



 3:44 pm on Jan 28, 2009 (gmt 0)

He won't be signing up for another merchant account (what sort of businessman just cancels his merchant account without even discussing it with their Webmaster first? And then waits three weeks while the invoices mount up before mentioning it?

The same kind of person who logs into their GoDaddy account and decides to buy another domain and then redirect all of the old domain traffic to the new without telling anyone. ;)

Without the VT approval, I do not believe your client will be able to do what he needs to do. He's in a Catch 22 situation if he doesn't want to get another Merchant Account. I'd be working with PayPal to find out if there is "any way" to get this person approved for the VT. Maybe show them the potential in revenues for PayPal if they approve him? I dunno, but if PayPal disapproves someone, something isn't right somewhere. It could be PayPal too. ;)

I believe there are other providers in this area where he may be able to get approved for a VT. Their terms may not be acceptable to the client though. If he is getting denied elsewhere, there has to be a reason for that. Those other providers are most likely accessing the same credit information and will see what the latest inquiries are all about and most likely base their decisions on that. Your client may end up reinstating his previous Merchant Account to get things settled in a timely fashion. Either that or you'll be busy setting up PayPal Donate Buttons. ;)


 4:00 pm on Jan 28, 2009 (gmt 0)

Have you taken a look at other payment services, like moneybookers? Moneybookers is very easy to set up and you can accept credit card payments with moneybookers and the customer does not need a moneybookers account to make the payment. Don't know about the fees though.


 9:20 pm on Jan 30, 2009 (gmt 0)

I took a quick look at Moneybookers, but I knew he wouldn't go for it. Seems to be mainly UK-based, and I knew he wouldn't agree to the fees...

After some more haggling and arguing in which he insisted that it couldn't possibly be a credit problem because PayPal couldn't possibly even have his SSN (? ? ?) he supposedly called PayPal himself and allegedly was told that he never would have had VT because he already had WPP (VT is usually included with WPP, as I understand it...I'm sure he's either lying or clueless, since I still have the original emails from last year when we set up his PayPal account and they had "provisionally" approved him for VT pending further information requested). He then told me, via all-caps email, that the only way to get VT would be for him to re-apply under someone else's name (...) which he wasn't going to do and that he would get another credit card terminal for his office.

So, happy ending in the sense that it's out of my hands once again...Many thanks for the input, though. Learning experience for next time (and I'm sure there'll be one...).


 2:32 am on Jan 31, 2009 (gmt 0)

I have a close friend who I did a site for and helped establish the online business also. It is a very reputable business with steady income, he had great credit, but paypal declined his request to use VT? They cited his credit as the cause. So your customer isn't alone.


 5:15 am on Feb 1, 2009 (gmt 0)

There's also no way I'm going into the shopping cart and adding a "dummy product" for the specified amount every time he has a new invoice that he needs to process. (He doesn't maintain the shopping cart himself at all).

He may not want to do the work, but if he cant get a VT he may have no choice. He can either do it himself, pay you to do it if you are willing, or pay you to teach him to do it, or go out of business.


 9:02 pm on Feb 4, 2009 (gmt 0)

Fire the client man. Life's too short.


 12:28 am on Feb 5, 2009 (gmt 0)

I applied for VT and was denied... idiot cited credit problem.... so I ordered my credit report... it was impeccable... not 1 90 days not everything paid as agreed.

Past credit check history did not mention that paypal had requested a credit check.

I called them back and after 1/2 day of bouncing around, my account was reset and approved for VT

I seldom use it but it comes in handy sometimes when someone calls and insists on giving you a cc number to take an order.


 8:28 am on Feb 9, 2009 (gmt 0)

Heres Another way to do it without paypal, Look into Google Checkout. the sign up is free and they give you otions with no credit checks, if you can get a google account then you can get the google checkout account.


 1:55 pm on Feb 9, 2009 (gmt 0)

Google Checkout doesn't have a virtual terminal...does it? Link?


 1:58 pm on Feb 9, 2009 (gmt 0)

it sure does


 2:03 pm on Feb 9, 2009 (gmt 0)

heres some more info on google check out
integration partners
Process both Google Checkout and non-Google Checkout orders through the shopping cart's order management system.
You can start offering Google Checkout in minutes!




Network Solutions

AllHostedSoftware3rd Party Developer
Select a partner to learn more about their audience, features, and price.
Easy Store Creator
Ecommerce Templates
Network Solutions
Pinnacle Cart
Top Muffin
WordPress e-Commerce Plugin
What should I do if my cart provider isn't listed?

Custom API Integration
If you use a shopping cart custom-built by you or a third-party developer, you can integrate your current website, shopping cart, and order processing system via the Google Checkout API. Get started
hope that answers your question about that


 2:05 pm on Feb 9, 2009 (gmt 0)


Looking around, I found this:


from a Google employee indicating that it does not.


 10:19 pm on Feb 9, 2009 (gmt 0)

heres the link [checkout.google.com...]
this an Idea option


 10:40 pm on Feb 9, 2009 (gmt 0)

I'm sure Google Checkout is fine for ecommerce, but if they don't have a virtual terminal or something close to it, it wouldn't have solved this problem. Thanks anyway, though.

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