Forum Moderators: buckworks
Do I need a "simple" shopping cart with a back end that captures member data: company info, ad info, expiration date, etc?
Do such solutions exist?
Could I "capture" much the same information using PayPal?
Enlighten me here (get me going on the right track) and I will remember to return the favor once my little project begins to gain traction (work!).
Feel free to sticky me if that would suit you better.
Thanks, as always. Jeff
The PayPal cart, while a nice addition - is still PayPal. Many people will not sign up for it.
If you have a simple, clean cart you can always provide a PayPal checkout option and just shove the cart data to the PayPal cart. That is what I do.
We do accept travel merchants, no problem. Obviously, the discount rates will reflect any added risk that is associated with a travel product...we will negotiate.
Cheers
James
No, you ABSOLUTELY MUST have an INTERNET merchant bank account. If the bank discovers you are putting internet-derived orders through on a non-internet approved merchant account, losing your account might be the least of your worries.
With the proper equipment and agreements in place (check with your merchant account provider what they are; terms will vary), the described set up may well be ideal for a low volume of transactions
No, you ABSOLUTELY MUST have an INTERNET merchant bank account. If the bank discovers you are putting internet-derived orders through on a non-internet approved merchant account, losing your account might be the least of your worries.
Not true. Talk to your merchant account provider about card not present options (typically called mail order/telephone order). Tell the bank you want to bring in the card information from a secure site and process the transaction manually. withte mention of internet most will glaze over and talk about a internet gateway service. you must redirect them to a MO/TO account.
We have done this for our business and a couple clients. The benfit we see is better control of the order and ablility to do effective fraud screening. In my option this benefit outweights the added work of the manual processing the order.
Hmmm, Ozzie banks seem to have a far more relaxed attitude to Internet risk than UK ones ;)
>> Talk to your merchant account provider about card not present options (typically called mail order/telephone order)
There are some fundamental differences between mail order/telephone order and internet based risks, and therefore often differences in the terms and conditions between Internet / non-internet Card Not Present (CNP) agreements. This will be futher modified by local legislation which you and your acquiring merchant institution are required to comply with. I'll repeat,
With the proper equipment and agreements in place (check with your merchant account provider what they are; terms will vary)
It may be that your particular provider doesn't require anything over and above normal CNP mehtods to approve internet-based transactions, but it would be foolish to assume it
I know that many (most? all?) UK and US banks require more than an MO/TO CNP agreement to be happy with you processing internet based orders, whether they are being collected securely (128-bit encryption etc) or not, as the issues are largely related to the storage, treatment and access of historical sales data and cutomer record information in an online environment, not transmission security.
Virtually every big news story of problems with e-commerce are related to lapses in security on databases containing customer records and / or sales records for later potential use in generating seemingly genuine orders using genuine data. In an MO/TO environment, c/c details are likely to be recorded either on paper, or in an OFFLINE database, posing no extra risk above the usual ones
Now, if after talking to your merchant account providers they say they don't require anything over and above a standard MO/TO agreement, all well and good...
