Choosing payment gateway - Revision history

Mouse at 13:43, 22 July 2020

2020-07-22T13:43:24Z

Seyfin: /* Conclusion */

2013-03-15T19:03:57Z

‎Conclusion

Dohtur: /* Pros and cons */

2013-01-10T14:31:58Z

‎Pros and cons

Dohtur: /* Overview */

2013-01-10T14:31:10Z

‎Overview

Dohtur: /* Integration, customization and branding */

2013-01-10T13:45:06Z

‎Integration, customization and branding

CDEV: /* Alternatives to online systems */

2012-11-13T09:07:38Z

‎Alternatives to online systems

Admin at 08:34, 8 January 2010

2010-01-08T08:34:11Z

Admin: /* Call back response */

2010-01-08T07:48:45Z

‎Call back response

Admin: /* Call back response */

2010-01-08T07:48:35Z

‎Call back response

Admin: /* Transaction features */

2010-01-08T07:47:54Z

‎Transaction features

@@ Line 111: / Line 111: @@
 == Alternatives to online systems ==
-[http://www.x-cart.com/ X-Cart] supports payments through non-credit card means, for example  PayPal. This company acts as an intermediary between users and transfers funds from one user to another by discounting the amount of the transaction from the payer's account. This system can be useful in certain cases, although the verification procedure is quite complicated.
+[https://www.x-cart.com/ X-Cart] supports payments through non-credit card means, for example  PayPal. This company acts as an intermediary between users and transfers funds from one user to another by discounting the amount of the transaction from the payer's account. This system can be useful in certain cases, although the verification procedure is quite complicated.
 == Conclusion ==
 If your store is just starting out you will want to keep fixed costs low. You should choose a gateway which offers its own SSL certificate free of charge, which doesn't require installing components in your server, and which doesn't charge excessive penalties for chargebacks.
-If your store is already established, with a clear projection of sales levels, you will want to choose a gateway which allows you to use your own merchant account, your own [http://www.x-cart.com/ssl SSL certificate], and offers all the security measures and uniformity of advanced integration methods.
+If your store is already established, with a clear projection of sales levels, you will want to choose a gateway which allows you to use your own merchant account, your own [https://www.x-cart.com/ssl SSL certificate], and offers all the security measures and uniformity of advanced integration methods.
 == See also ==

@@ Line 116: / Line 116: @@
 If your store is just starting out you will want to keep fixed costs low. You should choose a gateway which offers its own SSL certificate free of charge, which doesn't require installing components in your server, and which doesn't charge excessive penalties for chargebacks.
-If your store is already established, with a clear projection of sales levels, you will want to choose a gateway which allows you to use your own merchant account, your own SSL certificate, and offers all the security measures and uniformity of advanced integration methods.
+If your store is already established, with a clear projection of sales levels, you will want to choose a gateway which allows you to use your own merchant account, your own [http://www.x-cart.com/ssl SSL certificate], and offers all the security measures and uniformity of advanced integration methods.
 [[Category:E-commerce]]

@@ Line 5: / Line 5: @@
 On the stage of getting your online store live, you will likely face the problem of accepting credit card payments from your customers. It's the most common and convenient payment method available over the Internet. To be able to accept credit card payments at your X-Cart based online store, you will need to subscribe for the service of a payment gateway which will process credit cards for you. Payment gateway service is available from such companies as Authorize.NET, PayPal, WorldPay, 2CheckOut and some others.
-== Pros and cons ==
+There are several significant benefits when using the payment gateway service:
 * Most of payment gateways have a sophisticated fraud protection mechanism which helps to avoid most of chargebacks from the customers whose credit card might have been stolen by hackers.

@@ Line 3: / Line 3: @@
 A payment gateway is an essential part of your online strategy. Popular shopping carts are compatible with a great variety of payment systems widely known as payment gateways. But how can you choose the one that's right for you? You do not have the luxury of rectifying a wrong decision. Apart from the cost of the service, you stand to lose out much more - customers, orders, fraud related losses, integration time, time to market etc.
-On the stage of getting your online store live, you will likely face the problem of accepting credit cards from your customers. It's the most common and convenient payment method available over the Internet and ignoring it results in losing many of your potential customers. The possible solutions are '''''processing credit cards manually''''' through the virtual terminal or '''''subscription for the service of a payment gateway''''' which will process credit cards for you. Among such companies the most famous are Authorize.NET, PayPal, WorldPay, 2CheckOut and several others.
+On the stage of getting your online store live, you will likely face the problem of accepting credit card payments from your customers. It's the most common and convenient payment method available over the Internet. To be able to accept credit card payments at your X-Cart based online store, you will need to subscribe for the service of a payment gateway which will process credit cards for you. Payment gateway service is available from such companies as Authorize.NET, PayPal, WorldPay, 2CheckOut and some others.
 == Pros and cons ==

@@ Line 53: / Line 53: @@
 From the technological point of view, you should consider the type of integration and security measures offered by each gateway. One of the most important criteria is that your customers receive a consistent and smooth transaction experience through this process. Many 3rd party payment gateways forget this fact.
-The feature acceptable for quick implementation is '''''web form integration''''' with the payment gateway: integration simply consists of a web form to send payment information. In a typical transaction therefore your ├Уustomer is shunted from your website to the payment gateway website. The look and feel of both websites are different resulting in a non-consistent experience. This is proven to reduce the trust factor for a customer. Some payment gateways allow you to put a header banner, or logo. This however is not enough to provide a consistent experience. However, some of the best payment services allow complete customization of the payment pages. You can change the text color, size, font, background colors, header, header background etc, all through an easy-to-use web based interface. In selecting a payment gateway, ensure that you obtain an interface that allows you to completely customise the payment pages.
+The feature acceptable for quick implementation is '''''web form integration''''' with the payment gateway: integration simply consists of a web form to send payment information. In a typical transaction therefore your сustomer is shunted from your website to the payment gateway website. The look and feel of both websites are different resulting in a non-consistent experience. This is proven to reduce the trust factor for a customer. Some payment gateways allow you to put a header banner, or logo. This however is not enough to provide a consistent experience. However, some of the best payment services allow complete customization of the payment pages. You can change the text color, size, font, background colors, header, header background etc, all through an easy-to-use web based interface. In selecting a payment gateway, ensure that you obtain an interface that allows you to completely customise the payment pages.
 If you look forward to have a secure and uniform integration, you should choose a gateway with the most complex integration method. However, first consult with your hosting provider if you comply with all requirements (SSL certificate, permission to install components, permission to open ports in the firewall, etc.)

← Older revision		Revision as of 08:34, 8 January 2010
Line 124:		Line 124:

	If your store is already established, with a clear projection of sales levels, you will want to choose a gateway which allows you to use your own merchant account, your own SSL certificate, and offers all the security measures and uniformity of advanced integration methods.		If your store is already established, with a clear projection of sales levels, you will want to choose a gateway which allows you to use your own merchant account, your own SSL certificate, and offers all the security measures and uniformity of advanced integration methods.
		+
		+	[[Category:E-commerce]]

@@ Line 111: / Line 111: @@
 * Decreasing the stock of the products purchased
 * Delivering digital goods
 * Increasing sales figures
 * Notifying affiliates and suppliers

@@ Line 110: / Line 110: @@
 Call back response is a silent and secure signal sent by the payment gateway to the shopping cart to notify the result of a transaction. This is extremely useful to update the order status from pending to paid and trigger other processes related to the approval of a payment, such as:
-<nowiki>* Decreasing the stock of the products purchased</nowiki>
+* Delivering digital goods
-However, in the case that your preferred payment system doesn't support call back response, X-Cart allows you to update order status and perform other related processes manually.
+* Increasing sales figures
 == Alternatives to online systems ==

← Older revision		Revision as of 07:47, 8 January 2010
Line 64:		Line 64:

	For instance if a customer places an order you would authorise the transaction. In case you do not have all items he requested you would initiate a partial capture at the time of delivery. If the customer got the items, but one of them was damaged, he would return it back to you, in this case you would initiate a partial refund.		For instance if a customer places an order you would authorise the transaction. In case you do not have all items he requested you would initiate a partial capture at the time of delivery. If the customer got the items, but one of them was damaged, he would return it back to you, in this case you would initiate a partial refund.
−
−	However, please also note that X-Cart only supports automatic CC capturing and recurring payments (which, by the way, can be performed using the features of some payment gateways). Any other actions such as partial capture, refunds etc. must be processed manually by the store operator.

	=== Security ===		=== Security ===