e-commerce question

I have a client that needs to add online payments to their website. I am a designer, but this is the first time I've dealt with online payments over $3,000 a month. I've done a little research but I have a few questions for experts that have dealt with this first hand.

Here are the requirements:
Online payments via; credit cards, PayPal.

Preferably the clients stay on the website for the entire transaction. (if there is a big difference in the pricing, I may persuade them to use the PayPal online payment terminal).

No shipping is required, they will only be recieving payments for upcoming events.

Things I've looked into:
PayPal Website Payments Standard. This looks like a good choice, except they will fall into the range that requires a Merchant Account. I've searched their website for info, but I can't find where it has pricing or requirements.

Here is my question:

What are the basic requirements to have an online credit card payment option?

Is SSL required (or recommended)?

Is a Merchants Account required (or recommended)?

What are your recommendations?
LVL 23
jeremyjared74Asked:
Who is Participating?

Improve company productivity with a Business Account.Sign Up

x
 
giltjrConnect With a Mentor Commented:
I can't help with the programming, but one thing I would suggest is that you use the PayPal online payment terminal.

The reason is that if the user stays on their website you then must comply with PCI security standards (https://www.pcisecuritystandards.org/).  This at a minimum requires SSL and depending on the number of transactions a whole bunch of other security and programming related standards.
0
 
neeraj523Connect With a Mentor Commented:
Here are the answers to your question in respect to using paypal as payment option

1. What are the basic requirements to have an online credit card payment option?
Anyone can get registered at paypal to create business account.

2. Is SSL required (or recommended)?
If customer redirects to the paypal site to conclude payment, no need of SSL at your end since all the payment related activities will happen at paypal server which is already having SSL installed

If using Paypal Pro where payment gets processed using credit cards at merchant website without going to paypal site, SSL will be required without a question. Please note, with paypal pro, payment from paypal account will not be allowed.. Only credit card payments

3. Is a Merchants Account required (or recommended)?
Ofcourse a business account is needed at paypal to recieve payments

4. What are your recommendations?
Paypal or Google checkout are the easiest and cheapest options for a startup type of business..
Otherwise, payment gateways like authorize.net, USAepay.com, First Global Data are few good gateways i used many times for my client websites.

Hope this information help..
0
 
jeremyjared74Author Commented:
Perfect, that is exactly what I was needing.

giltjr:
Thanks for confirming what I was thinking. I thought to stay on the site for the transaction would require PCI compliance. PCI compliance sounds like a "big hoop" to jump through, and could cost more than they will make on this particular website.
THANKS.

neeraj523: Thanks for your input. If you had to choose 1 or the other which would you choose, Google checkout, or PayPal?
THANKS
0
NEW Internet Security Report Now Available!

WatchGuard’s Threat Lab is a group of dedicated threat researchers committed to helping you stay ahead of the bad guys by providing in-depth analysis of the top security threats to your network.  Check out this quarters report on the threats that shook the industry in Q4 2017.

 
jeremyjared74Author Commented:
Great job. I was starting to think no one would reply to this question. Both experts made my life easier, thank you very much for your efforts!
0
 
neeraj523Commented:
Dear @jeremyjared74, Paypal will be my first preference because i am more comfortable with paypal integration.
0
 
jeremyjared74Author Commented:
That is what I am going with,
thank you.
0
Question has a verified solution.

Are you are experiencing a similar issue? Get a personalized answer when you ask a related question.

Have a better answer? Share it in a comment.

All Courses

From novice to tech pro — start learning today.