How to do online payment ?

[perseus]

HI all,

I want to do online payment through visa. I want to send a string of
credit card number and expiry date to a platform and then it will tell me
whether it's a wrong one and will credit it to my bank. I tried looking at
paypal but it seems that you have to go to paypal site everytime.

Please give some advice how could I do it .

THanks.

Perseus

 

[Chris Smith]

I want to do online payment through visa. I want to send a string of
credit card number and expiry date to a platform and then it will tell me
whether it's a wrong one and will credit it to my bank. I tried looking at
paypal but it seems that you have to go to paypal site everytime.

You need to get an account with an organization that provides this
service. I don't know if PayPal does, but even if they do I would pick
a more trustworthy organization to conduct my financial transactions if
I were you.

Google for "merchant account" and "credit card processing" for someone
to do this for you.

--
www.designacourse.com
The Easiest Way to Train Anyone... Anywhere.

Chris Smith - Lead Software Developer/Technical Trainer
MindIQ Corporation

 

[ak]

worldpay seems to be ok

 

[Roedy Green]

I want to do online payment through visa. I want to send a string of
credit card number and expiry date to a platform and then it will tell me
whether it's a wrong one and will credit it to my bank. I tried looking at
paypal but it seems that you have to go to paypal site everytime.

Please give some advice how could I do it .

See http://mindprod.com/jgloss/shoppingcart.html
http://mindprod.com/creditcard.html
http://mindprod.com/products.html#WRAPPER

for various approaches to your problem

 

[thufir.hawat]

HI all,

I want to do online payment through visa. I want to send a string of
credit card number and expiry date to a platform and then it will tell me
whether it's a wrong one and will credit it to my bank. I tried looking at
paypal but it seems that you have to go to paypal site everytime.

Please give some advice how could I do it .

THanks.

Perseus

The idea of some un-encrypted string floating around _sounds_ bad to me.
Shouldn't it be an object, to start with? Shouldn't it be encrypted,
somehow? dunno about the details, just some constructive criticism

FWIW lotsa books detail all the steps right up to this.


Thufir H.

 

[Sudsy]

The idea of some un-encrypted string floating around _sounds_ bad to me.
Shouldn't it be an object, to start with? Shouldn't it be encrypted,
somehow? dunno about the details, just some constructive criticism

FWIW lotsa books detail all the steps right up to this.

PayPal has a document available showing exactly how to use their
service for credit card payment processing. Whether you use their
shopping cart or your own app, all communications take place over
HTTPS so the information is encrypted...

Chris: Where did the "trustworthy" jibe come from?

 

[Carl Howells]

PayPal has a document available showing exactly how to use their
service for credit card payment processing. Whether you use their
shopping cart or your own app, all communications take place over
HTTPS so the information is encrypted...

Chris: Where did the "trustworthy" jibe come from?

You're kidding, right? Paypal has an amazing history of freezing
people's accounts with no warning, no explanation, and not releasing the
money that's in the accounts.

I don't use them since they froze my account. (My account was for
payment only, so I didn't lose any money because of it.) This was after
a small mixup with my bank, which I quickly corrected. But because of
that mixup, they flat-out refused to honor my account unless I faxed
them a copy of my ID, and gave them my bank account number.

Excuse me? I'm not the one doing *them* a service. I don't need to put
up with that invasive crap. And my experience with them really isn't
atypical. Lots of people have similar stories, and Paypal universally
isn't interested in satisfying their customers.

Take a look at their "buyer protection" program, for instance. Anybody
who used Paypal to pay for something can claim they never received what
they paid for, and Paypal will give them their money back (and take it
from the merchant) unless the merchant can prove they *shipped* whatever
it was that was ordered. That's right. The seller needs to provide a
receipt from FedEx or something similar to prove that they actually
shipped whatever was paid for. Even if the purchase wasn't of a
physical item. No exceptions, once again.

And there's a lot more they do horribly wrong. Those are just the
issues I've run into either personally or through a friend.

 

[Roedy Green]

Chris: Where did the "trustworthy" jibe come from?

Paypal does questionable things like reverse payments long after they
have given you the money. You are paying them a fat fee to detect and
deal with fraud, but they ding the vendors when PayPal slips up.

 

[Liz]

You're kidding, right? Paypal has an amazing history of freezing
people's accounts with no warning, no explanation, and not releasing the
money that's in the accounts.

I don't use them since they froze my account. (My account was for
payment only, so I didn't lose any money because of it.) This was after
a small mixup with my bank, which I quickly corrected. But because of
that mixup, they flat-out refused to honor my account unless I faxed
them a copy of my ID, and gave them my bank account number.

I refuse to give them my bank account number too. With using a credit
card you have some protection from the credit card company. But with
a bank they can drain your account at any moment and you have no protection.

 

[Liz]

HI all,

I want to do online payment through visa. I want to send a string of
credit card number and expiry date to a platform and then it will tell me
whether it's a wrong one and will credit it to my bank. I tried looking at
paypal but it seems that you have to go to paypal site everytime.

Please give some advice how could I do it .

I would use a web service, there is at least one, use the search
capability (I forget the name right now.) This uses soap I believe,
but it is a simple interface you can put into any of your programs.
Basically they verify the credit card number and all that and also
handle debit or credit the money to from your bank.

 

[Roedy Green]

I refuse to give them my bank account number too. With using a credit
card you have some protection from the credit card company. But with
a bank they can drain your account at any moment and you have no protection.

Some people open a special account and keep only minimal money in it
to block PayPal's thefts.

 

[Sudsy]

Paypal does questionable things like reverse payments long after they
have given you the money. You are paying them a fat fee to detect and
deal with fraud, but they ding the vendors when PayPal slips up.

Yet another reason to avoid the "bleeding edge"! I was not aware
of all these foul-ups, but then I'm what could be considered a
"late adopter". I don't jump on the latest bandwagon but prefer
to see how things play out, especially when it comes down to
making recommendations to my clients.
I'll privately experiment with promising technologies but won't
"bet the bank" on immature solutions.
Would I feel comfortable suggesting PayPal for small Internet
retailers? Based on my own experience, yes. Is it the optimum
solution for all applications? No.
I use another 'net payment processor in situations where the
business anticipates enough volume to justify a merchant account.
You have to shop around for the best deal, after all! ;-)

Thanks to all who responded: I had no idea about the storied
history.

 

[Roedy Green]

Would I feel comfortable suggesting PayPal for small Internet
retailers?

I find people are very reluctant to buy anything at my site via
Paypal. People tell me this. The catch is, PayPal is much easier to
set up than other systems. Everyone has a horror story. PayPal/eBay
seem to be on the side of the scamsters.

I have notes on many of the schemes at
http://mindprod.com/jgloss/shoppingcart.html

I am doing one myself for the Health Action Network Society. It takes
complex membership applications including credit card info over the
net encrypted. The transactions go through as ordinary Visa and
Mastercard mail transactions. This means no extra monthly processing
fee. Both banks and service bureaux really ding you for online credit
card processing. The catch is my scheme requires a Java Applet.

Some of the code it uses is posted at
http://mindprod.com/products.html#WRAPPER

 

[Sudsy]

Roedy Green wrote:

Mastercard mail transactions. This means no extra monthly processing
fee. Both banks and service bureaux really ding you for online credit
card processing...

But that's the nature of the beast! As a merchant, you accept the 1.5-
3% overhead. It's the price you're willing to pay to get guaranteed
payment. In Canada, the big banks have foisted Interac on consumers:
EVERY party in the transaction gets dinged!
Merchants have to pay for the terminals plus monthly and per transaction
fees. Consumers pay monthly fees for their debit cards as well as
transaction fees.
Who benefits? The banks! Look at their quarterly profits!
They did it right in the States, using the existing credit card network
and tying your Visa or MasterCard "cheque card" (aka debit card) to your
bank account.
I'm not suggesting that it's free (except for consumers) but the costs
are far lower for merchants. A little bit of research will prove me
right. Been there, done that...

 

[Roedy Green]

But that's the nature of the beast! As a merchant, you accept the 1.5-
3% overhead. It's the price you're willing to pay to get guaranteed
payment. In Canada, the big banks have foisted Interac on consumers:
EVERY party in the transaction gets dinged!

Basically the banks are not set up to deal with tiny online customers.
IF you deal directly they want a huge bond to give you the right to
work online. This means you have to go to a service bureau who will
change you both a stiff monthly fee and a stiff % fee. You need
volume to play. You can't easily work up.

It is quite a bit easier if you have a storefront to get an ordinary
Merchant visa/mastercard and do a bit of online stuff on the side as
mail transactions. Then all you need is a way to get the credit card
stuff to you reliably and unsnooped. With low volumes, you just write
up a paper transaction.

If you are a charity or a school, you may already be doing PAC (Pre
authorised chequing) taking money out of bank accounts. You can add
Mastercard and Visa to that batch process relatively inexpensively.
This lets you handle yearly membership fees etc automatically.

 

[Kevin McMurtrie]

HI all,

I want to do online payment through visa. I want to send a string of
credit card number and expiry date to a platform and then it will tell me
whether it's a wrong one and will credit it to my bank. I tried looking at
paypal but it seems that you have to go to paypal site everytime.

Please give some advice how could I do it .

THanks.

Perseus

Paymentech, Versign, etc...

They and many others will do verifications and deposits for a cut of the
money. Some offer various API styles ranging from minimal to full
accounting systems. Paymentech also offers a low flat rate if you
interface with their grossly obsolete low-level API.

 

[marcus]

Bless Paypal for taking the time to have a human being type person
examine your domcumentation after an admitted banking error.

Bless Paypal for doing exactly what Visa and Mastercard and your Bank
will do with your Merchant Account, which is called a charge-back BTW,
in exactly the same manner and following their own carefully written
rules. The buyer is always protected, and the merchant is always
assumed to be at fault. Get used to it.

You would Bless Paypal too, if you were on the other side of any of
these situations you mention.

-- clh