Forum Moderators: buckworks
Alright, so I'm just about to launch my company quake audio but I still need to have my programmer set-up the CC Services. I'm not exactly sure where to start with finding the right credit card service for me. I was wondering if anyone could help me out... I'm sure theres many companies hosted at HM that use CC services so I'm looking for anyone that can suggest a service or recommend a service. If you can help me find one I would be very grateful. I kinda want a 3rd party service so I can just link up with them and not have to buy myself a SSL certificate or anything. But right now I'm open for anything. This is what I need.
- I need a service then either sends the money directly into my bank account or does it at least once a week. No longer and a week is even a bit long.
- I need a service that doesn't bill the customer right away after they fill in there CC info. I want it to be "pending" until I say the order can go through. That way if a customer buys a product that I don't have in stock, I don't have to refund there money and I can just cancel the order if they don't want to wait.
- To prevent fraud and charge-backs I plan on making sure that the Shipping and Billing address both match the address on the credit card. I need some way to program that feature into my cart once I have it set-up. I think most CC services have this feature.
- I have a few policies that make it so I can charge a 20% restocking fee if a product comes back to us damaged or with missing parts. I need some way I can manually make charges to to my customer’s credit card (with there approval).
I think that's about it. I just need lots of flexibility. Please post if you can help at all. The sooner the better.
Thanks,
[edited by: heini at 4:35 pm (utc) on Sep. 5, 2003]
[edit reason] For personal info please use your profile, thank you! [/edit]
Welcome to WebmasterWorld! [webmasterworld.com]
I kinda want a 3rd party service so I can just link up with them and not have to buy myself a SSL certificate or anything.
I just need lots of flexibility.
Unfortunately, I fear these might be mutually exclusive goals. The most flexibility will come from code you've designed yourself to interface with your CC processor. If you're serious about selling online, I'd strongly recommend setting up your own secure site and cart. It will give you the flexibility you want.
I need a service then either sends the money directly into my bank account or does it at least once a week. No longer and a week is even a bit long.
Most CC processors I've used settle once a day at midnight. So it will be no longer than 24 hours.
I need a service that doesn't bill the customer right away after they fill in there CC info. I want it to be "pending" until I say the order can go through.
This is called an "authorization" in credit card lingo. Basically, you can tell your CC processor to make sure that a customer has enough money on their card, and you can hold that money for a pre-determined amount of time (I think it's seven days, but it may vary). If you charge their card within that amount of time, then the auth drops and the charge appears. If you do nothing within seven days (or cancel the auth), the auth will simply be dropped and the card will not be charged.
To prevent fraud and charge-backs I plan on making sure that the Shipping and Billing address both match the address on the credit card.
Again, this can be an administrative decision on your part. If you code your own cart, all of the major CC processors have an API that will let you do AVS, which returns a code if certain things match on the card.
I have a few policies that make it so I can charge a 20% restocking fee if a product comes back to us damaged or with missing parts. I need some way I can manually make charges to to my customer’s credit card (with there approval).
Again, most of the CC processors have web gateways to their APIs that act as fully functioning CC terminals (the little black boxes that brick and mortars swipe your card through). You can do anything you can imagine from these gateways, including manual charges and credits.
Good luck! Oh, and sigs aren't allowed per the WebmasterWorld TOS, so you might want to snip that before a mod does.
- I need a service then either sends the money directly into my bank account or does it at least once a week. No longer and a week is even a bit long.
- I need a service that doesn't bill the customer right away after they fill in there CC info. I want it to be "pending" until I say the order can go through. That way if a customer buys a product that I don't have in stock, I don't have to refund there money and I can just cancel the order if they don't want to wait.
- To prevent fraud and charge-backs I plan on making sure that the Shipping and Billing address both match the address on the credit card. I need some way to program that feature into my cart once I have it set-up. I think most CC services have this feature.
- I have a few policies that make it so I can charge a 20% restocking fee if a product comes back to us damaged or with missing parts. I need some way I can manually make charges to to my customer’s credit card (with there approval).
Does anyone have any experience with paysystems? If so, please let me know. Thanks.
This gives you control of when to charge, but you may have to pay extra for a shipping - billing address check.
From this you can also do any additional charges and chargebacks etc.
I couldn't tell you how long this takes to get into my account though
I can't believe that a machine costs you all that much - not more than the yearly fee some of these 3rd party companies cost surely?
You'll want to switch once you're doing a large amount of transactions (1000+ a month), but for getting started it's a good solution.
Lots of features, too.
Referring to VeriSign's PayFlow Pro you said, "You'll want to switch once you're doing a large amount of transactions (1000+ a month)...." Why is that?
