Off-Site Credit Card Processing? 22
fornix asks: "We have a few family run sites running cheaply on Apache/mod_perl/Linux/MySQL over a DSL connection. Some of them are selling arts and crafts types of things and we would like to be able to process credit cards simply and cheaply. We don't want to use a canned co-hosted shop since we would have to give up mod_perl, which we are using extensively. Is there an e-commerce solution provider that will process our credit card orders (no other services needed) for no monthly fee, but just a percentage of the sale?"
Here is what you can do.. (Score:2)
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www.chowda.net [chowda.net]
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PayPal, et al. (Score:1)
Only place I know of... (Score:2)
ICVerify by CyberCash (Score:1)
--Ben
Authorize.net (Score:1)
*Not a Sermon, Just a Thought
*/
Appropriate? (Score:1)
There are a few different companies that offer this service .. but I'm not sure if they would be appropriate for you.
For example I use Regsoft.com [regsoft.com], for people buying GNU CD-ROMs (From GNUSoftware.com [gnusoftware.com]).
The problem is that a lot of these companies assume that you're selling software, and want to handle registration keys for you - with their "Register.exe" program, or similar.
Depending on the volume of sales you want you might be better off just getting a merchant bank account ..
Steve
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One place (Score:1)
There is one place I know of.
It is called CCNow [ccnow.com].
When you sign up they become the authorized re-seller of your products. Essentially, a customer of your's see all your pretty web site with the mod_perl and everything, then they click Buy it and they are taken to CCNows cash register. It seems pretty slick and they work nicely with people who auction stuff off on EBay. Now when CCNow gets the order they send you a virtual P.O. basically instructing you to drop ship the goods.
The down side is that they take 9 percent for each transaction. In addition they are eager to avoid disputes so they give a lot of leeway to the buyer, if they are unhappy or claim they didn't get the goods. On the other hand for someone who would not sell a lot of stuff wouldn't have to put up with the fee's and complexity of rolling your own commerce solution or using someone elses e-commerce with your own Merchant Account. In addition for those folks who can't get a Merchant Account this is fabu.
wife uses it on her web site and is very happy.
I think this is such a good idea, I am thinking it would be a good business to try to get into and compete with them.
Could it be the.. (Score:1)
Re:PayPal, et al. (Score:1)
Last time I looked, they were planning business services -- now I see that they sell business services also, so they have another source of revenue.
And if you look on the side of the main page, there is insurance on the accounts. If you're concerned, try to keep the balance of your PayPal account under $100,000.
Datacash.com (Score:1)
credit card processing w/ blowfish which might suit you.
Offline card processing (Score:1)
ie. You send transaction details in a csv format (or whatever they might want to use - xls, etc) and they respond with the results. However, be aware many (most? all?) card processing companies have a "hold-back fee" of a certain percentage (anything up to 15% of the transaction) which they hold for typically six months before giving you the monies. I believe all take a percentage of the transaction also, rather than a set fee. Some have monthly fees, some don't. A lot depends on volume mainly, but can also depend on what type of industry you are in - whether your history could be a risk, or the general nature of all business in your industry is a risk. Have a good (really good) look around for what fees different card processors charge. There can be a lot more things to look out for than just that though...
Re:PayPal, et al. (Score:1)
The word of the day is: float.
From the money possible with the above, I don't think bankruptcy is a big issue. The cash advance fee is also trivial, especially as money stays in the system longer. (I'd wager that most people who recieve money via PayPal also buy stuff with it. So why take the money out?)
The disputed charge issue is tricky. PayPal shields themselves a little by having "credit limits" on how much you can put in at a time. They do address these issues in their TOS [paypal.com]. (Start looking at item 10 and down) Basically, they're saying that if you try to charge back, and you have a balance with PayPal, they're going to get their money. I don't know if this is enforceable or not.
I haven't use PayPal much, but for any person to person or auction transfer of funds it can't be beat.
If anyone is interested in signing up, feel free to send me some money as a trial of the system!
internet secure (Score:1)
http://www.internetsecure.com
M
The first one is always free... (Score:2)
Yeah. Cybercash [cybercash.com] used to be free; now they take a cut. Yahoo Store (formerly Viamall) [yahoo.com] used to be flat rate; now they take a cut and force you to do online payment processing through their favored bank. Be careful about getting locked into some outfit without a long term contract.
Quick Fix (Score:1)
I'm not sure this'll help whoever sent in the question, but hopefully someone who is reading this might be able to use this model. If you already have a website that's 'information only', i.e. your corprate broshure scanned onto the internet, it's a great idea to take to the suits 8p
send me money! (Score:1)
(ok, so I'm a money whore... come on, I'm a poor college kid in training)
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Re:PayPal, et al. (Score:2)
That said, I have a couple of concerns:
Redundancy (Score:2)
I've used a few in the past and with 2 had serious problems, one of them messed up the file setup on their side, the other had a slow server that accepted the payment but then timed out, in both cases this resulted in people being billed and no one knowing who (until they emailed a few weeks later, none too happy.
I'd admit I am probably partly to blame for this for actually trusting them (one was a large bank, the other one of the major players in the online CC business).
What's with the doubleclick stuff btw, my comps think my server is doubleclick (and just about every other ad server in creation) and there seems to be some sort of redirect sending there when I accessed this article (probably an include or .js file), I only got here by clicking back fast... does this mean that before long we won't be able to access /. if we are ignoring doubleclick?
cc payment in the uk (Score:1)
You'll also need a merchant account, and realise that if someone decides to purchase something, then question the transaction to their cc company then the money will be taken right out of your account with no warning, and you'll have a bunch of bank fees to pay.
it might by simpler just to take cheques..
blooming slashdot (Score:1)
Buy-Me --Merchant acct+payment gateway. (Score:1)
Thanx everyone (Score:1)