newbie payment questions...

[papillon]

hi, im completely newbie at all this, so forgive if all this sound... well, newbish. :)

i have been some time reading on this forum, i have installed osc, php and everything seems ok. now i have some confusions:

for the moment i want to have 2 payment methods, credit cards and paypal; as i understand it (please correct if im wrong):

- for paypal, i activate the paypal IPN module in admin, and put my paypal account email and so on. (right now i have a premier account). Ok, now my customers will need to have a paypal account. (but if they have it, they can pay with the money they have in their paypal account, BUT also directly from their debit/credit card). isnt it?

- and now, what if the customer doesnt have a paypal account, how can they pay with credit card? i heard somewhere that my bank can give me a gateway(?) or something for free, im very lost on this... and if true, then how to integrate it into osc? it needs to be done in php or could it be asp or something else?

Also, for the paypal part... do i need something of paypal apart from the premier account?

 

thanks in advance

[lindsayanng]

when you say that you have a paypal premier account, is that the merchant services account? Like paypal pro?

 

In order to accept credit cards without paypal, you will need a merchant account - you can get one from a bank locally or through companies who specifically deal in merchant accounts. Most times you can get a gateway through your bank that you choose, but it will usually cost you.

 

For now (i am new to this too) i have a paypal pro account so that everyone can either pay with paypal or pay normally with a credit card. Either way, it goes into MY paypal account and then to my debit card.

[♥toyicebear]

hi, im completely newbie at all this, so forgive if all this sound... well, newbish. :)

i have been some time reading on this forum, i have installed osc, php and everything seems ok. now i have some confusions:

for the moment i want to have 2 payment methods, credit cards and paypal; as i understand it (please correct if im wrong):

- for paypal, i activate the paypal IPN module in admin, and put my paypal account email and so on. (right now i have a premier account). Ok, now my customers will need to have a paypal account. (but if they have it, they can pay with the money they have in their paypal account, BUT also directly from their debit/credit card). isnt it?

- and now, what if the customer doesnt have a paypal account, how can they pay with credit card? i heard somewhere that my bank can give me a gateway(?) or something for free, im very lost on this... and if true, then how to integrate it into osc? it needs to be done in php or could it be asp or something else?

Also, for the paypal part... do i need something of paypal apart from the premier account?

 

thanks in advance

 

You only need to enable the paypal module....

 

The customer gets the choice when arriving at the paypal payment page to pay without having/creating a paypal account..ie. paying by credit card.

 

If you wish to test it out you need to remove all cookies from your browser, then try your checkout all the way through to the paypal payment page.

 

(If you do not clear out all your browser cookies the optional cc payment will not show at the initial paypal payment page because paypal has previously set a cookie in your browser that you are a paypal member and then they only show the paypal member login)

[papillon]

thanks for the answers.

im confused with the paypal accounts... when i go to change my account, i only have 3 choices: personal, premier and business, (mine was 'personal' until yesterday, i updated it to premier to be able to accept more than 2 cc pays a year). cant see anything about something like "paypal pro" or "merchant account"... when i go to paypal it shows only my language (spanish), so it could be that in english the account types are named differently...

as for the other point, to be sure ive got it right: a customer doesnt need to have/create a paypal account, it will pay with its cc but instead of using the gateway (from my bank or other source), he will use paypal to do it. then i was wrong on this. thats nice feature :)

thanks again

[♥toyicebear]

thanks for the answers.

im confused with the paypal accounts... when i go to change my account, i only have 3 choices: personal, premier and business, (mine was 'personal' until yesterday, i updated it to premier to be able to accept more than 2 cc pays a year). cant see anything about something like "paypal pro" or "merchant account"... when i go to paypal it shows only my language (spanish), so it could be that in english the account types are named differently...

as for the other point, to be sure ive got it right: a customer doesnt need to have/create a paypal account, it will pay with its cc but instead of using the gateway (from my bank or other source), he will use paypal to do it. then i was wrong on this. thats nice feature :)

thanks again

 

 

PayPal pro is only open for US and UK merchants

[bobg7]

You should use a PayPal Business Account and set it up so customers do not need a PayPal Account to purchase.

 

You can then also setup to use the PayPal Virtual Terminal so you can accept Credit Cards and manually pass them thru PayPal like a merchant account. Be aware there is a $30.00 monthly fee plus the transaction fees for a Virual Terminal.

[papillon]

ok, so then i can update my paypal account to business, and the customers will be able to pay with its cc even if they dont have a paypal account.

then, this way, i dont even need to buy ssl cert, true? as i understand, if the pay is made with cc, (but inside paypal), all cc info is gathered directly by the paypal server, so i dont have direct acces in any moment to this data, is this true?. for example, a customer doesnt have a paypal account, but wants to pay with its cc, he will be redirected to paypal server, the paypal server will ask the customer for the cc info, make the transaction, and return him to my shop.

im right?¿

[♥toyicebear]

ok, so then i can update my paypal account to business, and the customers will be able to pay with its cc even if they dont have a paypal account.

then, this way, i dont even need to buy ssl cert, true? as i understand, if the pay is made with cc, (but inside paypal), all cc info is gathered directly by the paypal server, so i dont have direct acces in any moment to this data, is this true?. for example, a customer doesnt have a paypal account, but wants to pay with its cc, he will be redirected to paypal server, the paypal server will ask the customer for the cc info, make the transaction, and return him to my shop.

im right?¿

 

Basically, yes...

 

About SSL , in such a case its not needed but it is recommended....