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dpf
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Accepting on-line payments - 9/28/2005 13:16:37
I am about to embark on my fiirst site... actually I have four.. that involve on-line sales and accepting paments. three of them have large inventories of products that require a database to hold and display info and "shopping cart" to hold multiple iten purchses. I know that "reinventing the wheel" is pointless so I am shopping for a shopping cart package. However, the fourth one has a single product so the only issue is for the user to select quantity and then purchase.
Sorry I am getting so long winded - my question is this:
could someone (or several) give me an overview of what is involved in "connecting" to a merchant account to make a credit card purchase and also to pay pal. I guess i like to try to understand things at a "high overview level" before I dive in.
Any advice thrown in would also be appreciated.
Dan
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coreybryant
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RE: Accepting on-line payments - 9/28/2005 19:36:29
Let's make a few assumptions. You are in the United States, over 18, and are doing more than $1,000 a month.
If the above is true, consider a merchant account along with possibly Paypal. A merchant account will allow you to accept credit cards online. You will also need an electronic payment gateway (like LinkPoint, Verisign's Payflow, Authorizenet.com) in conjunction with a merchant account. The electronic payment gateway is the virtual connectivity between your website and the transaction processor (usually First Data).
The LinkPoint payment gateway is probably one of the strongest out there. It is owned by the First Data Corporation. First Data has been doing electronic money transfers since 1871 and they were the first processor of both VISA® and MasterCard® bank-issued credit cards in 1976. First Data processed 12.2 billion transactions in North America alone in 2003. LinkPoint usually charges a monthly fee only with no transaction costs and no charges for the use of periodic billing
Authorize.net is probably the most advertised electronic gateway. A lot of people think they can sign up with them and immediately start to accept credit cards. They do not release you need a merchant account as well. Authorize.net even uses the First Data platform to help facilitate transaction processing. Authorizenet.com usually charges $.10 per transaction along with monthly charges.
Verisign also has a payment gateway. Verisign is probably the most recognized name because they also offer other services and products for the internet (i.e. SSL certificates, domain registration, hosting, etc). You do not need to purchase everything from Verisign to have a successful e-commerce business. Verisign will give you between 500 - 1,000 free transactions a month, although their monthly price is about $49.95 a month - a bit higher than most
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smcfarland
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RE: Accepting on-line payments - 9/29/2005 7:42:40
http://www.savvymedias.com/downloads/merchant_accounts.xls
Check out my spreadsheet. On the left, you will see highlighted your anticipated volume and your average transaction amount. Fill them in, and pick what works best for you.
Verisign is horrible, especially when you need help (they have gotten a bit better, but I can't stand them). Authorize net is very flexible, you will be able to use it with a wide variety of carts and you can be accepting cards within a few days and receiving deposits usually within 4.
Any of this help you? I can elaborate. :)
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Tailslide
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RE: Accepting on-line payments - 9/29/2005 7:48:14
quote:
ORIGINAL: coreybryant
Let's make a few assumptions. You are in the United States, over 18, and are doing more than $1,000 a month.
Obviously if you're not in the US you need to be able to accept stones, small dead animals and leather good in barter for your goods. This raises obvious added shipping costs as the general European rates for shipping stones and small dead animals is continuously going up these days - Damn the EU, damn them!!
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coreybryant
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RE: Accepting on-line payments - 9/29/2005 9:11:02
I took a look at the spreadsheet by Summer - it is somewhat correct. It mentions authorizenet.com which is more than likely her preferred electronic payment gateway but it is not a merchant account. You need a merchant account in conjunction with an electronic payment gateway to accept credit cards.
The links that are given might lead you to a merchant account using Authorizenet.com but make no mistake - you cannot accept credit cards on your website with only an account from Authorizenet.com
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smcfarland
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RE: Accepting on-line payments - 9/29/2005 9:28:17
Ok, I stand corrected -- or at least need to clarify.
In order to accept payments online, you need the following :
- Shopping cart (to accept orders)
- Gateway or SSL (to collect secure information)
- Merchant Account (to process payments/run credit cards)
On the spreadsheet, I have the following :
- Authnet - gateway to process credit cards. Applying for the gateway also sets you up for a merchant account with the links provided.
- EVS - gateway to process credit cards. Applying for the gateway also sets you up for a merchant account with the links provided.
- 2Checkout - 3rd party gateway that processes credit cards for you.
- PayPal - 3rd party gateway that processes credit cards for you. I don't recommend this as a sole means of payment collection for ANY vendor. Your funds are not FDIC insured and you can lose access to your account at any time. Many people will not purchase if PayPal is their only option.
- Propay - merchant account only. You would need to have an SSL to accept payments with them.
There are pros and cons with each, but as you will see, there is a certain point where it is more beneficial to accept credit cards with your own merchant account. It is also helpful because you have control over charges, credits, etc. which is great if you have items that are backordered and you want to collect orders, and charge them at a later date (have of my business is backorders).
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coreybryant
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RE: Accepting on-line payments - 9/29/2005 9:34:19
I would not even say you need a shopping vart. A shopping cart is somewhat a luxury. It can allow you (as the merchant) to maintain inventory. It can allow the consumer to track orders.
You need an SSL cert if you are going to capture sensitive information on your websites. Most electronic payment gateways offer an API and their own secure webpage to do this. Using an electronic payment gateway's API, you can offer seemless integration into your website. If you use the electronic payment gateway's secure webpage, it is somewhat similar to directing your customers over to a third party processor - you are using their secure webpage to capture the data. For some though, this seems to be better because since a lot of consumers know gateways, they feel better about it
With 2CO - they are almost a third party processor. You use their merchant account to accept credit cards. Your consumer is directed over to 2CO's secure webpage to enter their CC information. 2CO in essence, is selling your services. This way, they are not considered a 3PP still at this time in the eyes of Visa / MasterCard.
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Mojo
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RE: Accepting on-line payments - 9/29/2005 11:40:31
Just use Wells Fargo as the merchant and Authorize.net as the gateway. Done. You'll never have problems and if you do both of them are outstanding in solving problems. Since I moved to Authorize.net 3 1/2 years ago I have never had a problem - not a single one. I have had up to 7 different accounts and have processed millions of dollars in sales. My clients who have chosen that combination have also experienced the same results.
I am not selling merchant or gateway services nor do I indirectly make money by promoting them. Authorize.net is the best gateway.
Let's talk about the real issues with merchant accounts.
When you set up your merchant accounts you will be asked various questions about what you sell. Make sure your DBA name (the name that will be on the customers credit card) closely matches what you sell. I once sold fancy bracelets - a lot of them. Unfortunately, I also had a larger than normal amount of chargebacks (we'll talk about those in a bit). As it turns out, the DBA name on the customer credit card was just a generic name from a generic website. Once I changed the DBA name to 'generic BRACELETS' my chargeback rate dropped like a rock. In short, have a name that customers will immediately recognize on their credit card. Also, have the most important part of the name in the front if your name is made of multiple words as many credit card statements will clip off part of the name so that it will fit.
You will also be asked about your transaction limit. This term will change from merchant to merchant, but what they are asking for is the dollar amount of your average transaction. Fudge on the high side when in doubt. If you are selling $50 widgets and told the merchant your average transaction would be $50 your fine. As soon as you start selling $100 widgets you may find yourself in trouble. I'll talk about trouble towards the end. A merchant may also ask you about your daily transaction amount. That one always bothers me because how in the world do you know? I sold 7 nursing pumps several days ago from one site that had around 90 unique visitors. Yesterday, with the same number of visitors, I sold 1. Who knows why?
Monthly transaction limit. This may be the most important question you will answer. How much will your montly sales volume be? At first, you may think it is not that big of a deal. If you sell $5000 worth of product in month 1, 2 and 3 and then in month 4 you double your sales to $10,000 everyone should be happy. You make more, the merchant bank makes more and Visa makes more. Right?
Wrong. There is always a concern that either you (the merchant) are stealing or that your account has been compormised in some way. Imagine for a moment that you have been selling for a year and decide to steal some money and run off to Canada. The easiest way to do it as a merchant is to process all your old credit cards once or twice, withdrawl the $100,000 from your bank and hit the road. In this case, the merchant bank will take the hit. So, in order to better protect themselves they set a monthly limit on your account.
This limit is taken very seriously by the merchant bankers. I should point out that not all merchant banks are created equal. The best ones will call you before your account gets out of control. Wells Fargo can offer you an unlimited monthly transaction limit. They will set a limit and if you go over it they will call you to make sure everything is cool.
If you think you will sell $10,000 worth of widgets - apply for a $30,000 monthly limit. For whatever reasons merchant banks do NOT like to increase your monthly limit right away. They won't increase it without you jumping through a lot of hoops anyway so get it right the first time. Seriously, this is important. If you are selling $10,000 per month in July, August and September you may be able to sell $40,000 in November and December. Plan accordingly.
Chargebacks are a huge frustration to any merchant running a sizeable online business. A chargeback is when a customer contests the charge you made on their card. Some quick notes about chargebacks:
- You receive a fine wether you win or lose
- You always lose at first
- You can't remove the mark of the chargeback from your account - even if you win
- Too many chargebacks and your account will be terminated
- Merchant banks keep track of your chargeback record. Try moving to another merchant after you were terminated for excessive chargebacks...It will be very tough and you will have high rates and a low monthly volume.
- You can't avoid the perfect chargeback. There is no defense.
- Visa/MC/AMEX love chargebacks. They make money off your fine even if you prove your innocent
- Often you will lose the product, the fine and the money the customer paid
All a customer has to do is call their credit card company and say the product was not as advertised, broke or that they didn't order it and you will receive the chargeback. If you can prove that they received the order then you may win. This requires that you ship everything with signature confirmation.
If Lisa Liar pulls a fast one on you and starts a chargeback you will have the opportunity to show the merchant bank that you actually shipped her the order. If she signed the signature card from UPS, FedEX or even the USPS then you will likely win. Winning means you get to keep her money, she keeps the product and Visa keeps your $20 or $25 fine.
If Lisa Liar knows what she is doing and she either she signs a different name or she has someone else sign for the product - YOU WILL LOSE. Every time. In the case, losing means she keeps the product, you are forced to return her payment and you pay the fine.
It is very easy to steal from online or catelog orders. All you do is don't sign for the pack and then tell your credit card company that you didn't order the product. The good thing is there are very few completely dishonest people.
The most common reason for a chargeback is some kind of misunderstanding between you and the customer. Usually, the customer doesn't recognize the charge on their credit card statement. When all they can see on the statement is - "The world's grea..." they may not remember they purchased a tee-shirt for $19.95 from "The worlds greatest tee-shirt company" a month earlier. These chargebacks are usually easy to fix. A call to the customer and a fax to the merchant bank are often enough to do the trick, but you still pay the fine and you still keep the bad mark of a chargeback on your account.
Penalties. Chargeback are their own penalties in a way, but the merchant banks have other more powerful ways of getting to you. About the worse thing they will do to you is to freeze your merchant account and keep your money. Cash flow is very important in any business and when you charge $6,000 on customer credit cards you *have* to ship the product even if the merchant is not releasing the money. If this happens, you in the hole for 6k until thing correct themselves. The easiest way to cause a merchant to freeze your account is the go over your monthly limit. Whammo! I should note that they don't have to tell you when they are freezing your account. You will just find out when your bank account hits zero. It hurts...
Christmass 2002. I had a new merchant account for a new business and was told over the phone that my limit ($40,000 on that account) reset itself on the 12th of each month. Cool. November was not too busy, but December was getting crazy. I had processed less than 10K between November 12th and December 1. By December 9 I had processed enough to bring me to the $40,000 limit. At this point, I continued to take orders, but just held the cards and emailed the customers that their orders would be shipping in a few days. On the 13th I processed another batch of cards (I batch process my orders) and continued to process cards for another few days. Unknown to me, the merchant account actually reset itself on the 1st of each month (that made more sense to me, but I was told otherwise). Before long, I noticed no money was being deposited from that account. I called them and was told they had froze my account and held my money. Bummer. They kept over $28,000 for almost 3 months. I still had to ship all the product. If I didn't have other online businesses that kept cash flow moving I would have been in a *very tight* spot. As it was, I was just in a tight spot. :)
Reserve. Find out if your merchant bank will keep a reserve. If you have good credit the merchant will not ask for a reserve unless you screw something up (see my Christmas story above). This is money that the merchant bank keeps to pay off any customers who may do a chargeback in the event you quit doing business. The reserve can be as little as 5% of each order or the merchant may decide upon an amount. After my problem mentioned above, the merchant kept $10,000 for close to 11 months ( I dropped them after they did that to me so they kept a reserve). They CAN keep your money. In the fine print on the 15 pages of contract that you will sign - you agree to it. Eventually, they will return it, but most can and will keep a reserve for at least 3 months. The most common time I have read about is 6 to 9 months... unless you really piss them off.
I'm skipping many of the small things that help make a successful business, but it is just too much to write down in one post.
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coreybryant
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RE: Accepting on-line payments - 9/29/2005 12:12:43
Mojo makes some great points when you are ready to actually get a merchant account. Well Fargo is actually another large acquirer (like Chase) that partners with First Data. The other large processor is Nova - and you will see that most ISOs use one or the other.
As far as the monthly limit goes, you should have no problems getting it raised. I have not come across this problem and I do deal with a few different ISOs. Usually in the United States, when you are applying for a merchant account, anything under $30,000 is automatically accepted. There are some exceptions of course, like if your average ticket is $5,000.
One thing - communication. If you put on your merchant account application that you average ticket is $500 and you process a ticket of like $2,500 - pick up the phone and contact the processor. If you are going to go over your limit - call the processor. A lot of processors will also call the consumer to verify the transaction. Give any and all information the processor needs to verify all transactions. And get a good agent. Some agents - they sell the account and they do not care anymore. They have made the sale. They are going to get a portion of your sales every month. Some agents will also work and help you if needed. They are limited to what they can do but it can happen.
Before the money is yours, it is the processor's money. And they want to protect their money. If something ever happened, and you wer no longer to be found, the processor could be liable for (depending on the issuing bank) approximately 6 months of chargebacks. So let's assume that your monthly volume is $30,000, ticket is $100. That would be about $180,000 so far the processor would be liable. Not to mention the chargeback fee which is charged from the issuing bank and is then charged to the processor. That would be another $45,000 the processor would be liable for.
Risky business - yes. Does it happen - yes. But most processors will work with you to help you maintain a successful business.
Other things, ask specific questions. And get answers. Some will tell you that it is not problem. It is a problem. This is money that you are talking about. There can be problems. The agent might not know the specifics because each merchant is different. The processing history is different. They will look at your account on an individual basis. When you are signing up, you will though be asked for a SIC code and then you will first be grouped in this standard which is what others in your industry have done. For example, a dating website - high risk because of chargebacks. Expect high rates, etc. Web hosting, not too righ risk but with more and more kiddie hosts coming aboard, I expect that to change.
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Andy from Spain
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RE: Accepting on-line payments - 9/30/2005 6:10:26
Dan also asked about paypal - you can use that in conjunction with authorize.net, Linkpoint or whichever you decide to go with - rates are good 2.2% - 2.9% + $0.30 USD for Website Payments Pro.
PayPal get a lot of stick with people suggesting they add an air of unprofessionalism to a store. I've got a lot of time for them and would certianly consider having them as a second choice payment option.
Cheers
Andy
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dpf
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RE: Accepting on-line payments - 9/30/2005 12:52:12
I want to thank everyone for the replies. Lots to digest here!
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jsgeare
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RE: Accepting on-line payments - 10/6/2005 10:42:20
For my money, its PayPal. A basic interface is provided for free, with a free tool that attaches to the Insert menu on FP. You put in the description, price, etc. and it creates a Buy button (you have various choices of these) and writes a little snippet of html code which you may copy and paste (changing the particulars) as many times as necessary. There are also options for downloading files of your stuff -and an associated cost. PayPal is a bit funky when it comes to figuring out what to do, but just stumble around in there for awhile and you'll figure it out. You don't need to have a merchant account -you can use PayPal to handle transactions. No set up cost but they take a bigger hunk on each transaction. I believe they also provide the cart functionality if you DO already have a merchant account. Point is, the company is so well established that it knioda makes sense. Customer service is also superior -I received a phone call from a corporate type in response to a complaint I made, and otherwise, there email response are prompt (if sometimes a bit boiler-plate). If you want to see a working example of the Ebay functionality, you can go to my web site at www.ezbizwebsite.com
Good luck!
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Mojo
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RE: Accepting on-line payments - 10/6/2005 11:38:30
If you're only using PayPal - you're loosing business.
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merryoboe
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RE: Accepting on-line payments - 10/6/2005 13:58:38
Basics needed: merchant account, payment gateway and yes, you will want a shopping cart.
Suggestions: if the businesses already have a merchant account for VISA, MC and whatever, usually that will dictate what payment gateway you use. No need to set up new merchant accounts unless you don't have one now. You will easily be able to download sales info from the gateway for tracking purposes. Linkpoint does a great job of this.
If you want to avoid the extra expense of secure server and certificates, you can use a shopping cart service. With a service you do not need to write cart software and all the orders process through THEIR secure server. I have used and can heartily recommend Cool Cart. It is wonderfully versatile in what you can program it to accept abut any configuration of items and choices - and it has great tutorials. It is quite inexpensive and it looks great - you can customize your payment page too. It also is easy to set up with different gateways. Maybe after you get more into this stuff you will want to write and host your own secure shopping cart, but this is an excellent, simple way to start. Good Luck!
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psarro
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RE: Accepting on-line payments - 10/6/2005 16:32:12
To MoJo, the moderator: I read with great interest your response, and the other responses with respect to establishing on-line credit card payments. There are lot's of us out here that have heard the terms "Merchant Account", etc. and still wonder where it is, how to set it up, and how all the pieces actually fit together. It would be extremely instructive if the basics of the entire process could be clearly described - a sort of "how to get started with on-line credit cards". Please consider such a tutorial.
Thank you.
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coreybryant
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RE: Accepting on-line payments - 10/6/2005 19:34:21
quote:
ORIGINAL: psarro
To MoJo, the moderator: I read with great interest your response, and the other responses with respect to establishing on-line credit card payments. There are lot's of us out here that have heard the terms "Merchant Account", etc. and still wonder where it is, how to set it up, and how all the pieces actually fit together. It would be extremely instructive if the basics of the entire process could be clearly described - a sort of "how to get started with on-line credit cards". Please consider such a tutorial.
Thank you.
You might check out Merchant Account Fees, Electronic Payment Gateways Explained, and The Basics Of Transaction Processing for starters.
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dpf
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RE: Accepting on-line payments - 10/8/2005 10:53:01
quote:
Let's make a few assumptions. You are in the United States, over 18, and are doing more than $1,000 a month. Corey : so what if the company isnt averaging over $1,000 @ month?
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coreybryant
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RE: Accepting on-line payments - 10/8/2005 11:05:30
quote:
ORIGINAL: dpf
quote:
Let's make a few assumptions. You are in the United States, over 18, and are doing more than $1,000 a month. Corey : so what if the company isnt averaging over $1,000 @ month?
Depending on the amount of volume / ticket size, 2CO and Paypal might be better in the long run. With 2Co, you are looking at about 5.95%.
For example 20 transactions at $50 each, with a merchant account, you are looking at spending about $53.00 a month, which is probably about 5.3%. So you see you are saving a little money using a merchant account.
Reducing that down to $40 on the average ticket, you are spending about $53.00 with 2CO and about $49 with a merchant account.
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Mojo
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RE: Accepting on-line payments - 10/8/2005 14:40:30
Go with a merchat account. It is really simple. The level of service you will receive is *far* better than 2CO or PayPal.
I have nothing to gain from promoting any service. I have used many merchant accounts for my own use and even more that I have set up for clients.
The best thing you can do for your company is to use Authorize.net as the gateway and Wells Fargo as the merchant.
Prepare for the future. So, it may cost you a few pennies a month more when you're doing only a little business - big deal. One thing you don't know is when your business will take off and then you'll be caught holding your sac.
Again, I have nothing to gain personally from recommending these two companies. Gil, a former mod who passed away a couple years ago was fond of saying there is no need to use any other gateway than Authorize.net. They are solid.
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evansforsyth
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RE: Accepting on-line payments - 10/12/2005 0:54:13
I've had great success with http://mals-e.com/
They can set up carts and payment systems.
Evans
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eTechSupport.net
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RE: Accepting on-line payments - 11/16/2005 7:22:37
2checkout might be a good option.
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MartynB
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RE: Accepting on-line payments - 11/19/2005 0:26:55
Dan...
The November and December 2005 issues of .net (www.netmag.co.uk) gives a step-by-step guide to adding PayPal to your site. I'm about to use it on a site that has half-a-dozen products on it and then, once I understand it, my aim will be to apply a data-driven model.
The walkthrough starts with taking simple, single payments, through adding a shopping cart to taking periodic (monthly, quarterly and annual subscriptions.
It's eight pages of comic book style steps.
Hope this helps.
MartynB
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dpf
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RE: Accepting on-line payments - 11/19/2005 10:07:46
thanks!
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BobbyDouglas
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RE: Accepting on-line payments - 11/19/2005 13:30:01
Just tossing something into the loop here that I have personally heard numerous good things about: www.cdgcommerce.com
Don't forget that there is usually a monthly minimum, as well as a monthly fee for some services.
coreybryant has some great info in his sig on merchant accounts.
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MartynB
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RE: Accepting on-line payments - 1/26/2006 8:23:15
P & P to EU countries is usually in the form of a "homing gull" of which, millions attend the rich feeding grounds of the "Landfill" in between assignments. Cheaper than UPS, faster than Fed EX - at least the one in "Castaway".
First, catch your gull......
MartynB
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Rocket Boy
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RE: Accepting on-line payments - 1/26/2006 12:12:05
To widen the scope a little... Is all of this easy to actually get implemented (software)? Is it all just cut n paste code provided by your chosen companies?
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coreybryant
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RE: Accepting on-line payments - 1/26/2006 13:00:13
quote:
ORIGINAL: Rocket Boy
To widen the scope a little... Is all of this easy to actually get implemented (software)? Is it all just cut n paste code provided by your chosen companies?
It depends on your knowledge of the code you are using and the exact type of connection (API or pointing the consumer over to the gateway's secure site).
The gateways do give you code and some will give you a test account before you sign up as well to do testing
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Corey R. Bryant
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Paydex
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RE: Accepting on-line payments - 1/29/2008 3:30:34
Mojo:
WOW. that is ALOT of very good information!!
Thank You!
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BobbyDouglas
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RE: Accepting on-line payments - 1/29/2008 4:34:55
How do you plan to track orders and such? If software is managing your orders, there is a good chance the software will have a built in function to connect to a gateway to submit the CC information.
All major shopping cart stores have this.
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