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osCommerce

The e-commerce.

Do I have to use a gateway?


cdemo

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Posted

Before I download I need to know: do I have to use a gateway for credit card transactions or can I recieve the credit card information and phone it in like I do now?

Thanks.

Posted

Yes, you can do that. However, it is not what is known as PCI Compliant and may cause you to lose your credit card account or be fined. This isn't just to do with oscommerce. Any shopping cart would result in the same. Search these forums, or the web, for more information.

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Posted

I take you have a credit card terminal for your brick-and-mortar store, and you want to collect the credit card data on an e-store order and manually transfer it to the terminal? NO CAN DO. It will almost surely violate your merchant account agreement. Web orders are considered much riskier than in-person physical credit card orders, and so you pay a higher fee. At the very least, ask the bank handling your merchant account what it would take to do that. You would probably have to set up a second merchant account (through a payment gateway).

 

Note that if you handle credit cards at all (see the numbers on your site), you have to be PCI-DSS compliant, which can be tremendously expensive and difficult to achieve. Unless you are a very large operation (I would guess not), think about using a Third Party payment system like PayPal or other similar operations. With the proper plan, the customer is taken to their site to enter their credit card (or use their existing account) and your site never sees the sensitive information. Their fees are a bit higher per transaction, but there are no monthly fees and no cost of PCI-DSS compliance. Going with a payment gateway and merchant account doesn't become cost effective until you're really quite big, especially now with the added PCI-DSS compliance costs.

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