1. jason1178197,145
2. shalomc129,250
3. Ray_Pas...117,096
4. mplungjan116,827
5. selvol113,414
6. Kravimir94,693
7. abel69,732
8. HonorGod64,377
9. carrzkiss62,622
10. hielo58,750
11. cxr48,898
12. gwkg42,844
13. Graphixer42,457
14. caterham...41,520
15. b0lsc0tt39,960
16. kadaba37,100
17. gawai34,000
18. azadisaryev32,960
19. logudotcom32,695
20. renazonse32,110
21. Hube0229,932
22. ahoffmann29,220
23. x_com28,780
24. objects28,580
25. HainKurt27,325

1. rdivilbiss786,964
2. COBOLdi...505,389
3. jason1178458,983
4. b0lsc0tt449,778
5. OliWarner422,264
6. LeeKowal...375,305
7. amit_g363,377
8. shalomc330,749
9. PraxisWeb313,539
10. cheekycj284,037
11. hielo277,629
12. julianmatz266,426
13. mplungjan264,576
14. mrichmon256,287
15. humeniuk240,131
16. Roonaan226,890
17. webwoman204,862
18. mrcoffee...195,448
19. avidya185,643
20. Zyloch174,022
21. rsdn167,615
22. sajuks165,692
23. Ray_Pas...164,913
24. pinaldave161,935
25. callrs160,467

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7.6

Ecommerce - Automated Credit Card Processing

Asked by rkorts in Miscellaneous Web Development, E-Commerce, Payment Processing Recommendation and Integrating

We are experienced web developers. I have yet to find a good generic solution to the following problem.

We have a customer who wants to sell to the General Public on the web. They are an established business but they have never before accepted credit cards from customers. Their customers (heretofore) have always been other businesses & therefore they deal with PO's, etc.

There seem to be three pieces to solving this problem, all of which we've done in varying degrees before.

(1) Develop on-line scripts, etc. to build shopping cart, accept credit card data, etc.

(2) Pass credit card & total $ amount info off to a "credit card processor".

(3) Credit card processor interfaces with a "Merchant Account" to effect the transfer of $ to the merchant account.

In this case, the customer has no merchant account.

What is the best way to deal with all this? I have for previous customers used something called YourPAY for step 2 but that was with customers whose Merchant Account "sells" YourPAY. Seems very strange to me.

How does one get a merchant account & the credit card processor all at once? Is the customer forced to go to their current bank to get a merchant account? Then how do we deal with the middle step? Seems to me it's got to be easy since literally MILLIONS of business sell by credit card on-line.

I don't want to consider PayPal unless someone knows how to FORCE PayPal to return control to the customer web site if the shopper pays with a credit card. That to me is a HUGE deficiency with PayPal.

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20091111-EE-VQP-91

Ecommerce - Automated Credit Card Processing

Asked by rkorts in Miscellaneous Web Development, E-Commerce, Payment Processing Recommendation and Integrating

About this solution