I am in the process of building my site up
I own another company and want to use my merchant account I already have for transactions with the website, or would it better to set up a paypal account?
What happens when someone enters their info on the osCommerce shopping page? Where does that info go? Does a place of transaction have to be setup first before someone can enter their order?
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11 replies to this topic
#2
Posted 09 March 2009, 16:15
You get a payment gateway which is compatible with your merchant account and then add a payment module for that payment gateway to osCommerce.
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#3
Posted 09 March 2009, 19:33
Xtreme-bodies, on Mar 9 2009, 10:08 AM, said:
I own another company and want to use my merchant account I already have
Possible, but check with your bank (or whoever handles the merchant account) that they'll allow this. Your agreement may restrict its use to one site.
#4
Posted 09 March 2009, 22:20
Well its a physical location company. I manually swipe cards at my other business but I work the website from same place, thats why im asking
I just want to know easiest way to do it? Just use osCommerce and thats enough? or paypal?
I just want to know easiest way to do it? Just use osCommerce and thats enough? or paypal?
#5
Posted 10 March 2009, 21:37
Once the osCommerce is setup, what else do I need to do? I cant simply transfer the $ to my physical merchant account here at my business? Do I need to setup a paypal because i thought osCommerce was the only thing needed to sell items from the store?
#6
Posted 11 March 2009, 01:56
Xtreme-bodies, on Mar 9 2009, 05:20 PM, said:
I manually swipe cards at my other business but I work the website from same place, thats why im asking
Check with the bank handling your merchant account. Without their permission, it's very unlikely that they'll let you add a website connection to it (against the terms). They probably won't even let you manually transfer credit card information from osCommerce to the merchant account (besides raising a whole host of data security and legal compliance issues). You can see if they'll let you add a website connection to an existing merchant account (probably for an extra fee), but don't be surprised if they say "no".
Going with PayPal may indeed be an easier solution. Once you have a track record of what kind of volume you have, and what your experience is with fraud and chargebacks, you may be allowed to expand your merchant account. Or, you may decide it's not worthwhile and just stick with PayPal or some other payment service.
#7
Posted 11 March 2009, 14:40
MrPhil, on Mar 11 2009, 02:56 AM, said:
Check with the bank handling your merchant account. Without their permission, it's very unlikely that they'll let you add a website connection to it (against the terms). They probably won't even let you manually transfer credit card information from osCommerce to the merchant account (besides raising a whole host of data security and legal compliance issues). You can see if they'll let you add a website connection to an existing merchant account (probably for an extra fee), but don't be surprised if they say "no".
Going with PayPal may indeed be an easier solution. Once you have a track record of what kind of volume you have, and what your experience is with fraud and chargebacks, you may be allowed to expand your merchant account. Or, you may decide it's not worthwhile and just stick with PayPal or some other payment service.
Going with PayPal may indeed be an easier solution. Once you have a track record of what kind of volume you have, and what your experience is with fraud and chargebacks, you may be allowed to expand your merchant account. Or, you may decide it's not worthwhile and just stick with PayPal or some other payment service.
Ok thanks
But using osCommerce alone isn't an option? I thought by buying this package I would only need that and nothing more? Once I have all my products on the store, there won' be an option for taking credit cards unless I add in either paypal or another merchant account is what your saying?
#8
Posted 11 March 2009, 16:02
osCommerce by itself only offers merchandise listing and a shopping cart. You have to decide how you're going to collect payment from buyers. Cash, checks, COD, and maybe other stuff is certainly supported. The easiest way of payment for most people is via credit card. osC also offers "manual CC processing" (but that's a big and risky can of worms), merchant account/payment gateway interfaces, and interfaces to various payment companies (PayPal and others).
You bought "this package"? osC by itself is free (though it's legal to charge for it, and for setting it up). If someone bundled it with other things, have you checked if a merchant account and payment gateway are included? The bottom line is that you have to choose one or more payment methods, and set them up (paying up front for things like a merchant account and payment gateway), before you can collect any money for your merchandise. If you're working on a small scale, or just dipping your toes in the water, I would recommend PayPal (or possibly one of the other payment services, if available to you) to start with, and move up to a merchant account if your online business grows enough (at some scale it will become cheaper and more convenient than PayPal).
My whole point in my earlier posts was that your current "bricks and mortar" merchant account probably won't let you add on an online store, at least not without informing the bank.
You bought "this package"? osC by itself is free (though it's legal to charge for it, and for setting it up). If someone bundled it with other things, have you checked if a merchant account and payment gateway are included? The bottom line is that you have to choose one or more payment methods, and set them up (paying up front for things like a merchant account and payment gateway), before you can collect any money for your merchandise. If you're working on a small scale, or just dipping your toes in the water, I would recommend PayPal (or possibly one of the other payment services, if available to you) to start with, and move up to a merchant account if your online business grows enough (at some scale it will become cheaper and more convenient than PayPal).
My whole point in my earlier posts was that your current "bricks and mortar" merchant account probably won't let you add on an online store, at least not without informing the bank.
#10
Posted 12 March 2009, 22:52
Xtreme-bodies, on Mar 11 2009, 02:36 PM, said:
I just checked and i believe all the options are included, I have the option of CC, paypal, cash, and all these other modules for payments
I'm pretty sure you still have to have something to hook them up to (PayPal, merchant account, etc.). The included stuff is the modules to go to PayPal (for example), where you would have to have an account. You can't just say "I accept PayPal" and not have a PayPal account for the money to go into.
#11
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Posted 13 March 2009, 11:23
steelthings, on Mar 12 2009, 10:52 PM, said:
I'm pretty sure you still have to have something to hook them up to (PayPal, merchant account, etc.). The included stuff is the modules to go to PayPal (for example), where you would have to have an account. You can't just say "I accept PayPal" and not have a PayPal account for the money to go into.
HTH
#12
Posted 29 March 2009, 18:48
Just to clarify for anyone reading this thread...
osCommerce comes with some simple payment modules like "PayPal", CC, cash, etc., but for the most part these just serve as examples or starting points. To actually take money via your osC store, you must sign up with a payment gateway and/or an e-commerce merchant account from your banking institution. Once you decide which route to go, check through the osCommerce "contributions" section to see if there is an updated payment module that suits your needs. Also, many payment gateways will supply their own osC payment module for you to install and use.
And, as has been pointed out in this thread, if you already have a merchant account for your bricks-and-mortar store, it is 99% likely that you are prohibited from using this account to process transactions that originate on the internet. It might seem convenient to ignore this rule, but it could get you into a lot of trouble. If you already have a business relationship with a bank, talk to them about an e-commerce account.
If you are just starting out and don't want to get into business banking, SSL, PCI certification, and all that jazz just yet, check out PayPal.
~Wendy
osCommerce comes with some simple payment modules like "PayPal", CC, cash, etc., but for the most part these just serve as examples or starting points. To actually take money via your osC store, you must sign up with a payment gateway and/or an e-commerce merchant account from your banking institution. Once you decide which route to go, check through the osCommerce "contributions" section to see if there is an updated payment module that suits your needs. Also, many payment gateways will supply their own osC payment module for you to install and use.
And, as has been pointed out in this thread, if you already have a merchant account for your bricks-and-mortar store, it is 99% likely that you are prohibited from using this account to process transactions that originate on the internet. It might seem convenient to ignore this rule, but it could get you into a lot of trouble. If you already have a business relationship with a bank, talk to them about an e-commerce account.
If you are just starting out and don't want to get into business banking, SSL, PCI certification, and all that jazz just yet, check out PayPal.
~Wendy
