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  1. #1
    SitePoint Zealot dkilburn's Avatar
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    I am doing a site for a client who wants to be able to accept credit card payments online. I've got an order form set up (http://www.folksongresearch.com/order.html). What do we need to do so that we can accept credit cards? He is already an established business, so I believe he has the abilty to process credit cards already.

    I've never done a site that wants to sell online, so this is new territory to me. Any guidelines are appreciated!

    Debby Kilburn
    "With computers, everything is possible, but nothing is easy"
    AIM: fourhweb

  2. #2
    Sports Publisher mjames's Avatar
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    Have you seen http://www.paypal.com ?

  3. #3
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    He needs payment transaction gateway and merchant account. For a low cost one, visit creditcardcommerce. It seems a fair deal.

    [Edited by Addto on 11-19-2000 at 10:27 PM]
    Addto! e-commerce and Internet Marketing Directory
    Collects and refers hundreds of ecommerce, internet marketing, and website development solutions and advice to small business owners.
    You can access various domain registration info. too

  4. #4
    SitePoint Zealot dkilburn's Avatar
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    Originally posted by M. James
    Have you seen http://www.paypal.com ?
    I have a paypal account for my ebay stuff. Do you think that would be the easiest way to go? I've read about certificates, shopping carts, etc., and they all seem pretty involved. I'd like to keep this as simple as possible.

    I will check out the creditcardcommerce site also. Thanks for the ideas!
    Debby Kilburn
    "With computers, everything is possible, but nothing is easy"
    AIM: fourhweb

  5. #5
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    My personal view is that paypal is not good for your client, the reasons are:
    1. It will direct customers to paypal web site.
    2. Customers need to sign up as paypal member first.
    3. He can't accept credit cards payment over the phone, by mail order
    4. The % charge per transaction seems higher than obtaining a merchant account
    5. Having an own merchant account can give more confidence to potential customers. A psychology factor.
    Addto! e-commerce and Internet Marketing Directory
    Collects and refers hundreds of ecommerce, internet marketing, and website development solutions and advice to small business owners.
    You can access various domain registration info. too

  6. #6
    SitePoint Wizard TWTCommish's Avatar
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    I've heard the following are good:

    http://www.clickbank.net
    http://www.paypal.com (not sure though)
    http://www.verisign.com

  7. #7
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    Paypal is not bad. It is very,very easy to set up. The rates really aren't bad. I saw one online credit card acceptance place charged 7.5%. Most places charge a monthly minimum around $20. It works well for your customer. And, they don't have to be a paypal user. There is one drawback for me. Your customer can only purchase one item at a time. There is no shopping cart capability.

  8. #8
    SitePoint Zealot dkilburn's Avatar
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    Originally posted by qulaeo
    I saw one online credit card acceptance place charged 7.5%. Most places charge a monthly minimum around $20. It works well for your customer. And, they don't have to be a paypal user. There is one drawback for me. Your customer can only purchase one item at a time. There is no shopping cart capability.
    Based on the rates on the paypal site, the transaction fee for what we are selling would only be $.25 to $.71. I don't know how that compares to other services, but it sounded reasonable to me. I think I will include an option to call or fax in orders though. Maybe if this thing takes off, we can set up a merchant account and shopping cart system. For now, it's just in it's infancy.

    Thanks for the comments!
    Debby Kilburn
    "With computers, everything is possible, but nothing is easy"
    AIM: fourhweb

  9. #9
    Sports Publisher mjames's Avatar
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    Originally posted by dkilburn
    Originally posted by M. James
    Have you seen http://www.paypal.com ?
    I have a paypal account for my ebay stuff. Do you think that would be the easiest way to go? I've read about certificates, shopping carts, etc., and they all seem pretty involved. I'd like to keep this as simple as possible.

    I will check out the creditcardcommerce site also. Thanks for the ideas!
    Well, I don't have direct experience with PayPal, but I hear they are good and they are popular.

  10. #10
    Don't get too close, I bite! Nicky's Avatar
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    I have also heard good things about PayPal.

  11. #11
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    Anyone ever actually tried to use PayPal to pay someone? What a pain in the ****! First you've got to go to their site, then you've got to give what feels like an inordinate amount of info about yourself, next you wait for your confirmation email, then you've got to respond to the email, next they'll arrange a series of microscopic deposits and/or withdrawl's from whichever method of payment you've selected (credit card or direct bank account transfer) in 2-4 BUSINESS days, then you've got to confirm these transactions BACK at their site - if everything goes according to plans they will only then approve your account.

    Confusing and needlessly difficult? You betcha!

    My opinion? If you use PayPal you'll be losing customers and sales. There are not many people willing to go to that length of effort just to buy from ANY site.

    Try http://ccnow.com for reasonable rates, a customizable payment gateway, and one-click "buy" buttons. When you get sufficient cash ($500-1000) and time upgrade to your own merchant account.

    Exotic Hawaii
    Live the life of your dreams!
    http://exotichawaii.com

  12. #12
    SitePoint Wizard TWTCommish's Avatar
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    Good point - the less they have to register with, the more likely you are to make a sale.

    While I'm sure PayPal is alright, our family had a weird run-in with them. Someone got access to one of our old credit cards and made a big transfer through PayPal, and then closed the account. We called PayPal, but they would not gives us any information as to where the transfer went, or for what - even though we had all the credit card info.

    Thankfully, we got it taken off of our bill, but it was a bad experience that made us a bit wary of the service.


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