What is the best way to offer credit card payments on your site?

Question

I want to offer credit card payments on my website and wondered what is the best (or preferred) way to do this?

I know that I can use Google checkout, paypal, etc., but that is not what I am looking for. I am looking for a simple basic CC payment that only supports different credit cards.

Answer 1

If you do not want to use an external processor, this is difficult. The security problems are enormous, and I cannot imagine a bank allowing you to do this. I highly recommend that you use Paypal, Google Checkout or WorldPay or any payment processing system provided / recommended by your bank.

Answer 2

There are many solutions. A couple to get you started: Authorize.net and Payment Technology

Answer 3

There is absolutely no reason why you need to deal with storing credit card data on your servers if all you want to do is accept credit cards. Many people who have never used a non-Paypal / Google Checkout system will try to scare you with talk that this is an awfully huge task, but your code just needs to pick up the encrypted CC from the client and transfer it to the gateway. Because of this, you never need to live in your database, and your risk is minimized.

I would say that the line between using Paypal buttons and using a gateway is just a choice if you want the client to visit your site or someone else’s. It. This is not much more risk, since all you have to do is buy an SSL certificate and use an authoritative basket system like Magento, Ubercart for Drupal, etc. Efforts will always be made.

Answer 4

I will rummage through the Visa for an answer, digging up a reliable third-party company; I would never write my own CC authorization code; in my opinion, this sounds like a great invitation for hackers.

Paypay is reliable enough, I know that.

Check out Amazon, Ebay, Yahoo, etc. for their decisions. They can license their software for purchases (for a fee).

Answer 5

Depending on who you are.

If your company is justified enough that it can get an online seller account from a bank, do so if the transaction volumes are greater than "very, very small." If you recycle more than £ 1,000 a month (or say $ 1,000 a month or something), you’ll get a trading account.

If you are NOT turning over so much, then first find out how to increase your turnover, because otherwise you will not be in business for a long time.

Internet merchant accounts do not charge much less commission than the aforementioned “Hold on to Cash” PSPs, but they also give you money sooner and are usually much wiser to work with.

There are many gateway providers that can work with banks, and banks themselves usually offer their own. You can choose any combination that is most suitable for you from a technical point of view.

Disclaimer: This information is based on my limited experience integrating payment providers in the UK. This may not apply to other countries (or even here!)

Answer 6

IF I was in the USA, I would use Google Checkout. It's pretty cheap, and I (and many customers) trust me.

In addition, there are many possibilities. Stay away from anything owned by Digital River . FastSpring seems to be relatively good, but expensive.

Answer 7

I implemented Authorize.NET a couple of times. It works very well and I think their rates are reasonable.

You need to manage your own SSL certificate, etc. and comply with PCI standards, but its a small price to get away from the evil PayPal.

Answer 8

If your cash flow is on the small side (

A trading account can be obtained from most banks; Of course, to get one, you need to be a registered business and satisfy several other criteria, which vary by bank.

Secondly, you need to choose a payment processor. I would recommend Authorize.net if your clients are in the USA. I worked with them before and had good success.

Not all banks, not all payment processors, work together, so double check if they will work together.

Once you configure them, your payment processor will give you an API that allows you to integrate with your payment services. If you use regular e-commerce software, it will most likely be plugins or existing code for integration with major payment processors.

Make sure your site is secure - you will be responsible for any missing customer data.

Good luck

Answer 9

There are many difficulties in accepting credit cards, so PayPal and Google Checkout are so popular - they take care of considerable difficulty for you.

Another company that offers even more than PayPal, Kagi . I highly recommend that you watch their short promotional video , as it lists all the components necessary to process credit cards the way you want - payment gateways, payment processors, merchant accounts, etc .; I think this can convince you to go the other way.