McHoffa Posted July 24, 2003 Posted July 24, 2003 Which payment gateway works best for realtime transactions that do not redirect to another website like Paypal does, and how do I go about getting it set up. Is there a FAQ for this somewhere? Thanks in advance
freedomt Posted July 25, 2003 Posted July 25, 2003 authorize.net seems to be popular most merchant services will likely charge you $200 software fee and $20 per month (10?+10statement charge) for their services plus their percentage fee paypal is the cheaper way out but if you already accept credit cards then you're tracking $$ in two places
wizardsandwars Posted July 25, 2003 Posted July 25, 2003 My advice is to *never* pay a software fee to use a payment gateway. You can get authorize.net FREE wit ha merchant account. And yes paypal is cheaper, if that's all you offer, then you're scaring away more customers that you realize. People want to pay you, not some third party that they have to create an account with. ------------------------------------------------------------------------------------------------------------------------- NOTE: As of Oct 2006, I'm not as active in this forum as I used to be, but I still work with osC quite a bit. If you have a question about any of my posts here, your best bet is to contact me though either Email or PM in my profile, and I'll be happy to help.
♥monte22 Posted July 27, 2003 Posted July 27, 2003 Where do you get authorize.net for free? I am currently have a merchant account with Wells Fargo, but am looking to set up a gateway, and switch merchant accounts if necessary.
wizardsandwars Posted July 27, 2003 Posted July 27, 2003 Actually, Wels Fargo offers FREE authorize.net. http://www.wf-ecommerce.com/getcashnow/?p=buy They make it sound like this is a limited time only offer, but they've been offering it ever since I looked into a Merchat account/ Payment gateway about 6 months ago. There are dizens of others. Almost all of the official vendors for authorize.net will offer free setup wth a new merchant account. ------------------------------------------------------------------------------------------------------------------------- NOTE: As of Oct 2006, I'm not as active in this forum as I used to be, but I still work with osC quite a bit. If you have a question about any of my posts here, your best bet is to contact me though either Email or PM in my profile, and I'll be happy to help.
Guest Posted July 27, 2003 Posted July 27, 2003 Ide luv to get a new gateway where i could accept credit cards through my checkout without the user leaving my site or having to sign up somewhere else. Problem is that most of these gateways require curl install and or other things like safe mode off. I wont turn safe mode on and tried many times to install curl but it hase to be recompiled with php which i dont know how to do. Thought it would be easy with a simple SSL connection or some good IPN module thats works great and if very much compatible with the latest osc releases.
♥monte22 Posted August 4, 2003 Posted August 4, 2003 Thanks for the tip Chris, I think I am going to go that route.
Austin519 Posted August 5, 2003 Posted August 5, 2003 I thought I'd let you guys all know. I just went with Worldpay...and they're giving me $30/mo + 2.95%, with a $99 setup. There are ones out there that are cheaper...but Worldpay offers complete integration with just about everything, including osCommerce. There's a pretty sophisticated module for it already. Austin519
juxsterpoz Posted August 5, 2003 Posted August 5, 2003 Actually, Wels Fargo offers FREE authorize.net.http://www.wf-ecommerce.com/getcashnow/?p=buy They make it sound like this is a limited time only offer, but they've been offering it ever since I looked into a Merchat account/ Payment gateway about 6 months ago. There are dizens of others. Almost all of the official vendors for authorize.net will offer free setup wth a new merchant account. i just checked into it ..they are waiving the setup fee of $99. other than that its $29 month and 2.35%. and integration with authorize.net. are you fraud?
wizardsandwars Posted August 5, 2003 Posted August 5, 2003 I thought I'd let you guys all know. I just went with Worldpay...and they're giving me $30/mo + 2.95%, with a $99 setup. There are ones out there that are cheaper...but Worldpay offers complete integration with just about everything, including osCommerce. There's a pretty sophisticated module for it already. Austin519 Why would you want to pay $99 and .65% more than you would for a regular merchant account and payment gateway? ------------------------------------------------------------------------------------------------------------------------- NOTE: As of Oct 2006, I'm not as active in this forum as I used to be, but I still work with osC quite a bit. If you have a question about any of my posts here, your best bet is to contact me though either Email or PM in my profile, and I'll be happy to help.
luder1 Posted August 5, 2003 Posted August 5, 2003 don't forget the .6% charge for the verification , so its essentially 2.95% for a visa or mastercard.
♥monte22 Posted August 5, 2003 Posted August 5, 2003 don't forget the .6% charge for the verification , so its essentially 2.95% for a visa or mastercard. What .6% charge? They charge a flat rate of about .30 per transaction.
tcpope Posted August 5, 2003 Posted August 5, 2003 Here's my opinion: I spent a ton of time researching Merchant accounts and gateways. I was about to go with ECHO when they told me I had to open an account with their bank. I already had a business account and didn't want another one. I then considered 1st American Card, but when I tried to contact their customer service by phone and email, I barely received a response. When I did receive a response, it seemed to be all canned and usually didn't answer the question. In the end, I went with WellsFargo/Authorize.net. Although they didn't have the cheapest rates, their fee structure was simple and reasonable. I spoke and emailed their customer service and was pleased with the timely response. My account was set up and I was in business in just over 3 days. Hope this helps. Cheers, Tim www.ShooShoosUSA.com
Austin519 Posted August 6, 2003 Posted August 6, 2003 juxsterpoz: So you're just paying $29/mo and 2.35%? Nothing else? Does it redirect you somewhere else or does it do it on the site? wizardsandwars: Well...so far the competing ones I have heard about (hence my question to juxsterpoz above) is that many didn't actually process the credit cards on the website...they just redirected to another site, processed it there, and that was it. If there's one that fully integrates with the site then yeah, I'm ready to drop them cold and change :) tcpope: And what rates did you get? And did it integrate completely with the website? What does it look like? Austin519
tcpope Posted August 6, 2003 Posted August 6, 2003 Austin519, I received 2.35% and $.31 per transaction. The site does redirect to secure.authorize.net and the authorize.net module is nicely integrated. The site look and feel does not change during checkout. I'm running an older version of OSC (Ian's Nov Loaded4) so I had to add the SIM contribution. Good luck, Tim
Austin519 Posted August 7, 2003 Posted August 7, 2003 tcpope: So when the site redirects to secure.authorize.net...what does that look like exactly? You say the site look and feel doesn't change when it redirects...so how is that possible? Did you set up the authorize.net gateway page to look just like your own or...what? Any screen shots or any way for me to see it? Austin519
Austin519 Posted August 7, 2003 Posted August 7, 2003 tcpope: Also, what EXACTLY did and do you pay. 2.35% + $0.31 and...no setup fees? No monthly fees? No extra .6% that was spoken about in here? Austin519
Austin519 Posted August 7, 2003 Posted August 7, 2003 tcpope: And lastly...do I have to have a bank account with Wells Fargo? Because currently I have one with Bank of America and would rather not change or have two... Austin519
wizardsandwars Posted August 7, 2003 Posted August 7, 2003 Well, with Wells and Fargo, you would have to open a merchant account, which would then trun around and deposit your money in to your regular account each night. I also use authorize.ent, but everything is processed from my website. The integrated authorize.net ADC module that you can download in install for OSC connects directly to the authorize.ent server, you give it the cc number, and other relevent info, and it returns either accepted or declined. The customer never leaves the site. I pay $29 per month, 2.29% + .25 per transaciton. period, no setup fee, nothing up front except $30. ------------------------------------------------------------------------------------------------------------------------- NOTE: As of Oct 2006, I'm not as active in this forum as I used to be, but I still work with osC quite a bit. If you have a question about any of my posts here, your best bet is to contact me though either Email or PM in my profile, and I'll be happy to help.
Austin519 Posted August 7, 2003 Posted August 7, 2003 wizardsandwars: Okay...damn...so I have to open a Wells Fargo Account. No way Bank of Amer. does anything with Authorize.net is there? Okay...so what do they charge for a merchant account? And those rates you list below are amazing compared to the ones I was about to sign my life away to. Austin519
♥monte22 Posted August 7, 2003 Posted August 7, 2003 No, you just need a Wells Fargo merchant account. The funds can still be deposited into your current checking account if you want.
Austin519 Posted August 7, 2003 Posted August 7, 2003 DubZ28: Okay thanks...so how much does a Wells Fargo merchant account cost? I am trying to compare this to the services for accepting CC's Bank of America offers... Austin519
♥monte22 Posted August 7, 2003 Posted August 7, 2003 Well for both the merchant account and authorize.net gateway it is $29/month. Then they charge 2.35% + .31 per transaction. If you just want a merchant account and no gateway it is much cheaper, like $10-15.
wizardsandwars Posted August 7, 2003 Posted August 7, 2003 The cost that I mentioned *includes* the merchant account. ------------------------------------------------------------------------------------------------------------------------- NOTE: As of Oct 2006, I'm not as active in this forum as I used to be, but I still work with osC quite a bit. If you have a question about any of my posts here, your best bet is to contact me though either Email or PM in my profile, and I'll be happy to help.
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