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newbie: how do you handle credit card?

     
12:43 am on Nov 15, 2007 (gmt 0)

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I am thinking of using paypal to accept credit card payments. what is your opinion?
6:11 pm on Nov 15, 2007 (gmt 0)

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It works for some people- others find it more beneficial to offer PayPal as an additional option to a traditional merchant account.
5:52 am on Nov 16, 2007 (gmt 0)

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I prefer make paypal as optional . A customer without paypal need to go to paypal site and fill his credit card too .
6:01 am on Nov 16, 2007 (gmt 0)

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I am thinking along that line too. Customer can pay with either method and I am using paypal as my credit card merchant provider
6:23 am on Nov 16, 2007 (gmt 0)

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So long as you have a good programming team behind you, go for Paypal Website Payments Pro.
6:39 am on Nov 16, 2007 (gmt 0)

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the cart software I have has build in interface to paypal

From what I gather, there isn't much diff. to paypal pro and standard.

6:49 am on Nov 16, 2007 (gmt 0)

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Pro and Standard are very very different. Wherever possible, go with Pro. Not only does it give you a much much better interface, it keeps your customer on your site, and it allows you to handle payments by phone, fax and mail.

If you are considering PayPal Standard, then I'd encourage you to also consider Google Checkout.

7:04 am on Nov 16, 2007 (gmt 0)

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But I don't want to do all those. I just want to accept credit card and paypal payments. Direct bank deposit doesn't have to involve paypal

Ah, I just remembered, we don't have pro in this country. That's probabaly why I am looking at standard.

I read in the other thread about google checkout can back out of payment without reason. That's scary.

7:21 am on Nov 16, 2007 (gmt 0)

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There are no payment processors I know of who don't include the right to refuse any particular payment without reason... in fact it is common for this to happen in some circumstances, including with PayPal. Any time the processor feels a transaction is too risky they will just pull it.

Sometimes it just isn't right to give you a reason; e.g. that customer might have a history of chargebacks for transactions, could be ordering for and address known to be associated with stolen cards, etc. all of which are good reasons for rejection but certainly not appropriate to pass on to the retailer.

If your transaction does get rejected by the processor then it's down to you to either arrange other payment (direct deposit?) or to reject the order.

2:19 pm on Nov 16, 2007 (gmt 0)

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Vincevincevince,

G Checkout appears to be going much further than just your CC Processor reversing a transaction!

Check out the thread on the issue
[webmasterworld.com...]

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2:48 pm on Nov 16, 2007 (gmt 0)

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Hi Vince,

The above post is the one I am referring to. Sounds scary. Feel sorry for that guys who sells ebooks. That is going to be an issue if customers keep cancelling their order and I have already packed their goods.

I am a newbie, so I have to ask this question. A customer keys in his/hers credit card detail, paypal or google will verify the details, right? If the card is invalid or fake, it gets rejected, if it's legit, it's processed. Money is IMMEDIATE paid to a holding account which is held by paypal and next batch run, the money is available in my paypal account and ready for me to transfer into my bank account. Do I understand the process correctly?

 

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