Charging credit card

PHP Supports two kinds of credit card processing natively:

http://www.php.net/manual/en/refs.creditcard.php

They are Monetra and SPPLUS. I personally have never used either, but most large gateways should provide some kind of API.

Hope that helps.

I also want to know how it works.

Thanks,

Maybe this will help:

http://www.ehow.com/how-does_4929625_online-credit-card-processing-work.html

Are you located near any colleges?  If so, contact the Engineering or Computer Science departments and ask them what courses you need to take to become proficient in electronic security and e-commerce.  You've got a lot of study ahead of you, and you need to be careful about it; there are criminal penalties that include prison terms for those who make mistakes with other people's money.

Most people in the USA and many other countries would use PayPal.  The fees are nominal and they handle all the ugly parts of this problem.  Can you tell us why you do not want to use a 3rd party?

@Ray_Paseur: We don't want to use 3rd party because:
1. We will sell several types of products/service which is not support by 3rd parties.
2. The 3rd party charge additional fees for each product/service sold which will greatly affect our sales.

I think you're missing the point of using a 3rd party.  You're going to be charged credit card fees anyway.  PayPal fees include the credit card fees.  In practice I have found that PayPal fees run around 3% of medium-to-large purchases and 4% to 5% of very small purchases.  Expect your credit card fees to be comparable.  If your business model cannot withstand a 5% discount to list price, you need to get a new business model.

I am not aware of any product or service that PayPal would not "support," assuming that it is legal to sell such a product or service.  And if it's not legal to sell, you can forget about getting the cooperation of the credit card companies.  But I think the bigger issue is the need to hire or develop skills in electronic security and e-commerce.  In effect you will be trying to replicate the systems that PayPal has spent millions of dollars to develop.  I can think of no reason why it would cost you less than it cost PayPal to build these systems.

You might want to contact your local business bank and get their advice.  However when I have done that in the past, they wanted to send out a team of $200/hour specialists to "help" me with my e-commerce systems.  PayPal, on the other hand, was inexpensive and easy to work with.

Good luck with the project, ~Ray

@Ray_Paseur: According to our business goals, we need to charge credit card directly without third parties, actually, I am looking for help here rather than contacting the Engineering or Computer Science departments in university.

It will be better if anyone post PHP script example.

@BrianGEFF719: The last link is related to general information about credit card processing, I need the actual steps to start accepting credit cards without third parties.

Thanks,

@Ray_Paseur: OK, that's good, I need to create the php script after creating merchant account, there is no information about MCVE functions at php.net, I need the steps on using the functions to do transaction to our bank merchant account.

Thanks,

What bank do you use for your business transactions?  What are their recommendations?

@Ray_Paseur: Actually, I am looking to have the full idea for everything before I start merchant account.

Uhh, that may be backwards.  You really need to go to your bank and get their recommendations FIRST because they will have a standard method and you must meet their interface.  If you have not done that yet, please do it.  Practical help will require an understanding of their protocols.

Best of luck with the project, ~Ray

Ray_Paseur: I know that each bank have thier recommendations, but in general, the php script is almost the same idea, I want to create the php script and then there is no problem to seek the bank recommendations and start merchant account.

Thanks,

Let me reclarify my statement about No bank will ever give you direct access to that system...should read: no bank will ever give you direct access to that system unless you have multi-millions of dollars which then means you are able to pay large premiums for insurances that the bank can guarantee transactions against in which case you may just be better off going with your banks solution and leaving it at that...money is not of consequence if you are large enough to afford exclusive services out there.

@ingwa: I appreciate the information you posted, the main problem here is that I don't have much idea about the php script that will process the payment, I know that I need merchant account and SSL certification, I need example on the php script.

Thanks,

Thanks all,

Thanks for the points!