New to Ecommerce

I need some recommendations on carts

[kurzo]

I have never set up a shopping cart before, so I am diving into new waters here. I need a shopping cart that has the ability to use an in-house credit system. Every cart I have looked at has the obvious payment gateways, but I have not seen any that indicate "in-house" credit.

I am also looking for a system that can price a product by customer group (I have seen many of these, but require you to enter duplicate products - 1 for each group) and also flexible enough to price a product by specific customer.

These products are big ticket purchases, each customer will do approx. $10,000.00 - $50,000.00 worth of business per year.

Does anyone have any experience with carts that would accomodate these features?

thanks

[jsinger]

in-house credit system

Explain in more detail what you mean by that. A private credit card system or are you simply going to bill customers on open-account, or ?

[kurzo]

A retailer would encourage customers to apply for credit through a 3rd party credit provider (non-credit card). If a customer is given credit, their account would then reflect the credit amount granted by the 3rd party. As transactions are executed (both from the shopping cart and at the 3rd party credit provider), communication from the shopping cart will be sent to the 3rd party credit provider and vice versa (this is something I will be getting custom built).

[jsinger]

So this "3rd party" will be loaning up to $50,000 to each of your customers. I doubt you'll find anyone to do that at modest cost and without requiring the customer to supply a battery of credit info and wait for approval. (Citibank might have... a year LOL)

If they're YOUR customers why don't you finance it? You're in a much better position to evaluate credit worthiness of repeat customers?

Some factoring companies may do this. Won't be cheap. Sub-prime fads aside, intelligent lenders want to be paid royally for assuming high risk.

[spaceghost404]

have you looked into zen cart
dont know what you are doing but they are pretty good.

good luck

[edited by: lorax at 5:50 pm (utc) on Mar. 2, 2008]
[edit reason] no URLs please [/edit]