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Ecommerce Forum

Payment gateways
Thoughts and comments wanted on payment gateways

 7:37 pm on Nov 10, 2001 (gmt 0)

I am about to implement a payment gateway with Cybersource but before I actually jump I would be interested in your choice and experience of different payment gateways.




 7:41 pm on Nov 10, 2001 (gmt 0)

Is the product/service tangible or intangible?
Does it require shipping.


 5:51 pm on Nov 11, 2001 (gmt 0)

The product is a CD and will probably be shipped from the UK to all markets globally if we cannot find a fulfilment house with locations in UK and US (besides Digital River).



 5:40 pm on Nov 14, 2001 (gmt 0)

Hi Symmedia.

I have tried a couple, and the best so far has been worldpay. The biggest threat to my business is fraud, and they offer me the ability to reject orders, at no cost. With many, if you get 10,000 of fraud in a month, at 5% that can cost your business loads.
Worth a thought.



 5:51 pm on Nov 14, 2001 (gmt 0)

I'm also looking for a payment gateway that is good for "virtual products" (don't require shipping). Currently worldpay is the front runner - but would appreciate some more advice from those that have been here before.

I'm also based in the UK and my customers will be UK based ... planning to move into other markets - like the US sometime though.

Also - I want one which I just use an API with - via perl or php - and am not limited to some kind of shopping cart.

Finally - it has to be easy to setup and not take too much time to integrate.

Thanks for any advice :)


 7:36 pm on Nov 14, 2001 (gmt 0)

worldpay is easy to install.

They are griping about code 10's at present, but with fraud what it can be, tough, you cannot do business otherwise.

Netbanx, support was good, but it was expensive. Might have changed, last time I did business with them was 12 months ago.

Sec-pay is cheap, easy to set up, but does not currently offer the info on the customers that Worldpay does. (like where in the world their computer is, whether it is the same country as the card holder does the post code match (sometimes) etc etc.). It is part owned by Nat West.

HSBC say they are setting up their own in the New year. Might be interesting J

Also, think about whether you want to take money in and/or $. Not everyone can cope with it. That includes how you are going to be set up. Are you asking the gateway to just do an authorisation, or do you want a merchant acc with them. Getting a Mech acc with no previous experience can be tricky, and you might not have a choice!

Hope this is of interest! If worldpay are reading this, they can give me a discount on my rate if they like.J Having fallen down most of these holes myself, it can be painful!



 11:50 pm on Nov 18, 2001 (gmt 0)

i'm an accredited partner of worldpay, and a lot of my business is helping people set up with worldpay. if anyone wants worldpay specific advice, i'll do my best to answer any questions either in here or by sticky mail.

and the answer is no, i'm not spamming or promoting my business and i'm not going to give anyone on here my website details. i'm here only to give and receive help and advice.


 12:04 pm on Nov 19, 2001 (gmt 0)

Cool a couple of world pay users :)

I have a few specific questions - (I have to do the coding myself on thiS)

Is there a php API or if not a perl one?

How is it kept secure from my hosting provider to worldpay?

Do I need specific libraries for this?

How much investigation into my site do worldpay do to ensure that my code is secure?

How difficult is it? ... I was hoping for an API like

$res = charge("10.57","GBP","Mr Cardholder","Postcode","32/12/2001","4929xxxxxxxx","my code","my password");
if ($res == 1) {
print "Yay I charged you 10.57";
} else {
print "Sorry your details suck";

Sorry for the digression into php code - I could do perl also ;)

Is there a way to test without charging to CC's?

I did send this kind of thing to Worldpay a while back but a marketing droid answered and nothing really got cleared up.

Thanks for any help


 2:20 pm on Nov 19, 2001 (gmt 0)

Hopefully Crazy_fool can help on this for you, it is out of my league!
However, if I read this right, you have the card No in there. With Worldpay, the credit card details are all done on their secure server, so you never have the responsibility of keeping them secure.

All you do, is send something like:

<FORM ACTION="https://secure.worldpay.com/payments/select" METHOD=POST>

On a simple form submit, so they are not too worrried if the info is secure, as nothing is as critical as the credit card.

If i have misunderstood, please forgive me! Am am not a programmer!

Feel free to have a look at the code in my link up with them. The details can be changed at this stage, (inc price) but I have back office systems that monitors it, so it is not important.

Hope this helps.



 10:29 am on Nov 20, 2001 (gmt 0)

>Is there a php API or if not a perl one?
You won't need anything like this. Create your shopping cart to the point where the customer has chosen his/her goods. Normally at this point you would have a checkout link which leads to a form for the customer to enter their name and address and credit card details. This is provided by WorldPay, so no need for you to code one. This also means that WorldPay will work with ANY website on ANY kind of server.

>How is it kept secure from my hosting
>provider to worldpay?
You don't need to worry about this as credit card details etc are only entered on the secure WorldPay pages.

>Do I need specific libraries for this?

>How much investigation into my site do
>worldpay do to ensure that my code is
This isn't really relevant as all the security is handled by WorldPay. They will check that your site / shopping cart works and that the connections to the banks work. They will normally make a test purchase from your site.

>How difficult is it? ...
Probably easier than you think :)

>Is there a way to test without charging to
Yes. When they accept your application your account will be set up for test transactions only. They will give you a test credit card number. Run as many tests as you need. When you have integrated and you are ready to go live, they change your account to allow live transactions. You can continue running test transactions indefinitely.

There is one other point I had better make right now, and that is that you choose the correct integration model when you make your application. If you want to sticky mail me with your URL and any other details I'll let you know which one to use and any other information which might be of use.


 11:56 am on Nov 20, 2001 (gmt 0)

Thanks George and Crazy_Fool

I seem to have completely over-estimated the complexity of doing this.... not for the first time ;)

Crazy_Fool I've stickied the url to you.

One (final) question - do I get to returned to different URL's dependent on the result of the CC transaction or is it the same url with params?

Thanks guys - I might be moving into ecommerce sooner than I thought :)


 12:16 pm on Nov 20, 2001 (gmt 0)

I believe you can send to different URLs, but I have not tried this. I need to do it very soon myself, so I hope it is possible!

If an idiot like me can get round it, it cannot be too difficult, and the guys at worldpay are great help.

Best of luck with the e-commerce. It is an area that many have failed at, basically because in the past people have forgotten about the marketing. Don't fall into that mistake, it is the most important part. :) (Oh, and B:(:( made a mess of it too for other reasons)!



 1:16 pm on Nov 20, 2001 (gmt 0)

One (final) question - do I get to returned to different URL's dependent on the result of the CC transaction or is it the same url with params?

if a transaction fails, such as when an invalid card number is entered, then the customer remains on the worldpay systems until such time as they either enter valid details or cancel the transaction.

all successful or cancelled transactions can be sent to the same "callback" url. this can be a script (any language) or a static html page on your website. if using a script (recommended in your case - reasons stated by sticky mail), you can test for transaction status (Y for completed transactions, C for cancelled) and display a message or do other things as appropriate. for example:
if transStatus = 'C' then
display message to say order was cancelled
email order confirmation to customer
email order and customer details to site owner
save order details in database
display order completion message
provide customer log in details
do other clever things
end if


 3:10 pm on Nov 24, 2001 (gmt 0)


I just got in. And e-commerce solution is one of my interest.

Our company is using Clickbank as our online payment processor. No merchant account is needed. This is primarily for intangible products.

<no promotional URLs, please>

We can charge $1000 per transaction. You simply request to increase your price limit.
Installation is easy.

For tangible products, we are looking at Glocart. No merchant account is needed also. We have not yet created a recommendation page for it since we are still studying it. We are also open for other suggestions.

Other recommendations from our friends are orderbutton.net, verza.com, and paysystems.com. We still have to take a look at them too.

I hope that helps.


Allan S. Hugo
<snip - no sigs, please>

(edited by: Marcia at 8:04 pm (gmt) on Nov. 24, 2001)

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