Jump to content
Sign in to follow this  
JustinHo

What is needed for customers to purchase with credit cards

Recommended Posts

I'm a newbie to OsCommerce and this is my first post. I've played around with OsCommerce for a couple of weeks and I've been able to install it, setup SSL, and modify the look to the way I want it thanks to all the posts on the forum.

 

Now I would like to actually sell products allowing customers to use their credit cards to purchase products. I don't want them to be sent to another site such as paypal to enter their information...I would like it to be done on my site. My question is how do I go about this and what do I need? There appears to be many options such as Authorize.net, psigate etc... that I can install from the admin tool. Once I install them do I go to Authorize.net to create an account and is that it?

 

Basically I'm looking for a very easy to understand explanation of what is needed i.e. a Merchant account, Bank account followed by a step by step process of how to integrate in OsCommerce. Also if you can tell me what is the cheapest/easiest solution that would be great.

 

Thanks in advance! :-)

 

Justin

Share this post


Link to post
Share on other sites

Paypal WPP.

will do.

 

Satish


Ask/Skype for Free osCommerce value addon/SEO suggestion tips for your site.

 

Check My About US For who am I and what My company does.

Share this post


Link to post
Share on other sites

I love a brave man. (in the admiration sense)

 

Have you researched the new regs for web sites handling cc details?

 

google

 

oscommerce pci compliant

 

This gave

 

http://forums.oscommerce.com/index.php?showtopic=266802

 

will give you some food for thought


Need help installing add ons/contributions, cleaning a hacked site or a bespoke development, check my profile

 

Virus Threat Scanner

My Contributions

Basic install answers.

Click here for Contributions / Add Ons.

UK your site.

Site Move.

Basic design info.

 

For links mentioned in old answers that are no longer here follow this link Useful Threads.

 

If this post was useful, click the Like This button over there ======>>>>>.

Share this post


Link to post
Share on other sites
Basically I'm looking for a very easy to understand explanation of what is needed i.e. a Merchant account, Bank account followed by a step by step process of how to integrate in OsCommerce. Also if you can tell me what is the cheapest/easiest solution that would be great.

 

Thanks in advance! :-)

 

Justin

 

Justin,

 

Four things are needed. A Credit Card processor, I used MerchantPlus. A gateway, usually provided by the processor. A Credit Card service bureau, I used Authorize.net. And a matching OSC payment module, In my case Authorize.net. I spent a lot of time researching this when I decided to accept Credit Cards because I have a fairly low volume store and wasn't sure if the costs would justify the service. The lowest total cost I could find was with MerchantPlus and Authorize.net at $34.99 per month and I think 1.4 to 1.9 % per transaction. If you have a large volume, you may get a lower rate.

 

I stopped accepting Credit Cards after I got hit with a $400.00 charge back for a Customer who just wanted to borrow a watch to impress his friends while on vacation. It doesn't matter how clear you make your return policy statement, some Credit Card companies will allow their customers to charge back anything, CitiBank is notorius for this according to my Authorize.net agent. End of my rant.

 

I don't know about the other payment modules, but with Authorize.net Consolidated v1.7, no credit card info is ever on your site. It's with the processor only.

 

Hope this helps some,

CatDad

Share this post


Link to post
Share on other sites
Since no CC info is stored in the DB, how do you handle credits, i.e. for returned merchandise?

 

 

You can usually loginto your admin account at the payment gateway to refund transactions...

Share this post


Link to post
Share on other sites
You can usually loginto your admin account at the payment gateway to refund transactions...

 

 

Good point - thanks!

Share this post


Link to post
Share on other sites

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now
Sign in to follow this  

×