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  1. #1
    SitePoint Guru
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    Is this payment method acceptable?

    Hi,

    I am to be setting up a system for a client whereby they will be charging for a particular system they sell.

    Though they already have an in-house method of taking credit card transactions that they use for purchases via a phone call or postal letter.

    Would it be ok for me to have a payment form running under ssl (ie: https://www.domain.com/payment.php) that when submitted adds their credit card details to a mysql database and sends an email to the company informing them that a payment is pending. The company would then login to another page under ssl to see a list of pending payments and their detials. They would then complete the payment via their inhouse method and delete the entry from the mysql database.

    Would this be ok?

    It is a UK company by the way.

    If not, are they any other companies that offer the same service as SECPay.co.uk. hopefully a bit cheaper aswell - they are quite pricey.

    cheers

  2. #2
    Texan at Heart Corey Bryant's Avatar
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    It depends on how their merchant account application was set up. When they applied, did they tell Visa/Mastercard that all their transactions would be swiped (100%)? If they said that some might be keyed (telephone/internet/mail order), then there should be no problem.

    If they start to process a lot via the internet, they should consider getting an internet account. The CC processor could up their rates if they keyed transactions start to out number the swiped transactions.

  3. #3
    SitePoint Zealot
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    Daniel

    Processing the transactions in this manner should not be an issue, provided the transactions are clean and your processor is prepared, as Corey said. The problems you may run into are that your account may not be quite as clean due to the internet sales and this will affect the discount rates on the entire business. If you get an account specifically on the internet, activity will never affect the core brick and mortar business.

    However, if you can assure that the orders are smooth and safe, then keying in the transactions should not be a problem.

    Cheers
    James
    -----
    james

  4. #4
    SitePoint Guru
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    ok cheers, so all sounds ok then.

    Thanks


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