Question regarding purchase by Visa

Hi,
To perform amount deduction using Visa card, upon any purchase performed within my Website, do I have to get the details from Visa.com, for furthering doing any deductions to the relevant Visa card number?
LVL 12
HuaMin ChenProblem resolverAsked:
Who is Participating?
I wear a lot of hats...

"The solutions and answers provided on Experts Exchange have been extremely helpful to me over the last few years. I wear a lot of hats - Developer, Database Administrator, Help Desk, etc., so I know a lot of things but not a lot about one thing. Experts Exchange gives me answers from people who do know a lot about one thing, in a easy to use platform." -Todd S.

Scott Fell, EE MVEDeveloper & EE ModeratorCommented:
I don't totally understand your question.  I think you are either asking about discount rates (the amount your bank keeps from your credit card sales as their profit) or applying payments?

To get started, you would apply for a merchant account with a payment processor.  The payment processor can be a traditional bank or another third party that handles these types of transactions like intuit.  

Once signed up, the processor will assign a gateway for you to use.  In some cases they will give you a choice.  One of the larger gateways is http://www.authorize.net/.  It is the gateway that you will have all of your interaction with as far as programming.

1) Your site sends the customer credit card info and amount to the gateway.

2) The gateway takes your submitted info and talks with the customers bank or card issuer.

3) The gateway sends back a response to your site based on it's communication with the issuer.  The response could be, "Approved" or "Not approved" with many reasons such as invalid card number, not matching card # with client address, declined etc.  There are dozen's of reasons.  You will want to build this into your cart so you can give the proper message back to the customer.

4) On approval, within 1 to 3 days the amount of the charge is deposited into your linked bank account.  Depending on how your contract is set up, the amount deposited will be the net amount after the discount rate is applied (fees charged by the processor to the merchant).  Or you will be given the full amount only to have the fees taken out of your account on a monthly basis

As a merchant, you will not have any contact with visa directly.

Here are some answers that may be pertinent to this question as well.

http://www.experts-exchange.com/Web_Development/Internet_Marketing/E-Commerce/Q_28088612.html 

http://www.experts-exchange.com/Web_Development/Internet_Marketing/Q_27959713.html

http://www.experts-exchange.com/Web_Development/Internet_Marketing/E-Commerce/Q_28226239.html

http://www.experts-exchange.com/Web_Development/Web_Services/Q_27947921.html
0
HuaMin ChenProblem resolverAuthor Commented:
Thanks a lot. does

http://Authorize.net

behave well and provide help for any technical issues encountered? which is the best gateway to choose?
0
Scott Fell, EE MVEDeveloper & EE ModeratorCommented:
You don't always get to choose.   Many processors are going with their own gateway now to cut down costs.  Authorize.net does have a large following and community and some really good help files online.  I do think some of their pricing is is high.  

I use http://www.usaepay.com/ only because an original processor I worked with used this for their gateway.  If you are looking for a lot of hand holding, they are not so good with that on the developer side.  

I primarily use the advanced soap integration http://wiki.usaepay.com/developer/soap.  I did find some inconstancies with some of the naming conventions that threw me off a few times.  (Using the singular in one method and the plural in another when the item should have been the exact same thing).  They have updated some of those errors though.  What I do like is the ability to use the same SOAP API on a native app as well as your web app.  I also like that you can store card info on the gateway without incurring the same type of costs that Authorize.net will charge.   The down side is you may not find as much help.
0
Exploring ASP.NET Core: Fundamentals

Learn to build web apps and services, IoT apps, and mobile backends by covering the fundamentals of ASP.NET Core and  exploring the core foundations for app libraries.

HuaMin ChenProblem resolverAuthor Commented:
Many thanks. Do you actually use the events demonstrated in
http://wiki.usaepay.com/developer/soap

for your charge process, against
http://www.usaepay.com
?
0
Scott Fell, EE MVEDeveloper & EE ModeratorCommented:
>Many thanks. Do you actually use the events demonstrated in

I said I did.  #a39482592  "I use http://www.usaepay.com/"

It took me a while to get it all figured out especially because the documentation was off in a few places.  With the amount of time I have invested... I use it for multiple clients.   There are cases where a direct post is just fine.   But the advanced soap implementation gives you more granular control.   You can even recreate some of the reporting via the web service so there is little need to go outside of your own app to the virtual terminal.

I also pointed out http://Authorize.net and they have api's as well and probably better documented http://developer.authorize.net/api/  The only thing I am am not sure of with authorize.net is the ability to use their advanced integration method and the ability to show a card present swipe.  If you are just doing web, there are no issues.   It shows only ios sdk for mobile card present.  But then android sdk below.  I would want to check that out if you need to swipe and want to get the card present rates.
0
HuaMin ChenProblem resolverAuthor Commented:
Many thanks.
What is your current charge of each deal, you have made through

http://www.usaepay.com

? I may directly ask this in

http://Authorize.net

for their current rate of each deal. Appreciated to your help.
0
Scott Fell, EE MVEDeveloper & EE ModeratorCommented:
I use both Authorize.net and UsaEpay and a couple of others.  Typically the rates are passed through the processor.  

Authorize.net has prices posted http://www.authorize.net/solutions/merchantsolutions/pricing/ but these may or may not be the actual rates you pay.  I know  one of the processors I work with helps guide me to use the best gateway based on the project (desktop, web, mobile/device).

The gateway fees and discount rates are passed on by the processor and that is where you should start.  Fees can be complex like buying a used car.  The processors that offer one "easy rate" are going to be good for small merchants but high priced for larger. I have written some very good answers on this topic.

http://www.experts-exchange.com/Other/Miscellaneous/Q_28216106.html#a39418900

http://www.experts-exchange.com/Microsoft/Development/Q_28177597.html#a39305140

http://www.experts-exchange.com/Web_Development/Internet_Marketing/E-Commerce/Q_27951329.html#a38644494
0

Experts Exchange Solution brought to you by

Your issues matter to us.

Facing a tech roadblock? Get the help and guidance you need from experienced professionals who care. Ask your question anytime, anywhere, with no hassle.

Start your 7-day free trial
It's more than this solution.Get answers and train to solve all your tech problems - anytime, anywhere.Try it for free Edge Out The Competitionfor your dream job with proven skills and certifications.Get started today Stand Outas the employee with proven skills.Start learning today for free Move Your Career Forwardwith certification training in the latest technologies.Start your trial today
.NET Programming

From novice to tech pro — start learning today.