Authorizenet vs pccharge and icverify

[ecommerceprofit]

Why would I want to pay gateway fees to authorizenet or another gateway when I could use one of these software packages. They interface directly with my bank. I do not need real time authorization - I like to study my orders first for fraud, etc. anyway. When I am ready I would send all of my orders as a batch. Anyone see holes in my plan? BTW, anyone knowledgeable on either of these software packages. Which one is better in your opinion?

[Corey Bryant]

How many transactions in a batch - more than 1,000?

Fraud - well those tools are usually only good for real time transaction processing

-Corey

[ecommerceprofit]

Less than a thousand but a lot - we type in the transactions manually to a terminal right now so a batch will be helpful. My plan is to get our ecommerce orders from our shopping cart sent as a tab delimited file which would automatically populate the icverify or pccharge fields and submit - no need for a gateway. In terms of fraud I was talking about manual reveiw of fraud - not using a service.

[Corey Bryant]

It seems very time consuming when there are services out there that offer fraud protection.

You might check out Quickbooks, Bookkeeper 2007 for starters. PCCharge also might be a good program. I think they use their own gateway connecting to one of First Data's platform.

-Corey

[ecommerceprofit]

Quickbooks for fraud protection - no way - I will stick with our own fraud dept - we have been doing this for years - we don't need help here - looks like authorizenet is a waste of money with .10/transaction - I'll save my money and use my own software and connect directly to my merchant bank.

[Corey Bryant]

Fraud protection starts at the AVS and CVV. Others would be the IP address and as well as the customer (how many chargebacks does he / she do, etc).

Offline fraud protection - it won't be as good as one that comes from the online transaction.

You said you do your own fraud protection anyway, I was not suggesting QB as a fraud prevention tool.

-Corey

[edited by: Corey_Bryant at 12:13 am (utc) on Dec. 8, 2006]

[ecommerceprofit]

Oh, for sure - these 2 packages perform avs and cvv checks automatically. The offline fraud checks would be tons of items purchased, one day fedex, shipping to Nigeria, etc.