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osCommerce

The e-commerce.

Credit Card Processing Help


akosh

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Posted

I'm not sure if I completely understanding how the whole credit card processing thing works. I know that you need a payment gateway like authorize.net to process the credit cards, and a merchant account for the money to go in to. But one of my questions is how do I access the money? Do these internet merchant accounts have relations with the banks? I assume they do and I need to give them my account details.

 

Also, about 90% of the sites I looked at that claim to provide internet merchant accounts look like they were either designed by a 6 year old or are using templates purchased for 99 cents. For businesses that handle thousands of dollars a day they appear extremely amateur. Somehow I don't trust them...

 

My other question, does anyone know of a reliable internet merchant account provider that services Canada and doesn't have outrageous set-up and per transaction fees? Thanks

Posted

Yes, a merchant account deposits funds directly to your business bank account.

 

On the issue of account security, you do want to do some homework to make sure that you are looking at a reputed company. If you do your own banking at one that has a lot of businesses banking there, it is quite probable that they offer merchant accounts and have gateway affiliations. Or at least they could give you a trusted referral.

 

The only thing about that approach would be to make sure that it is going to be compatible with one of the many contributions for connecting osCommerce to it. Otherwise, you may have to get some custom code work done to make the connection.

Rule #1: Without exception, backup your database and files before making any changes to your files or database.

Rule #2: Make sure there are no exceptions to Rule #1.

Archived

This topic is now archived and is closed to further replies.

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