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CreditCard Processing
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Credit
Card Processing on the Internet
So you have finally finished your e-commerce web site, hired the
best web publisher, added all the bells and whistles, outstanding
graphics, and great merchandise. Now, how does your prospective
customer pay you for your products? Clearly, it is necessary for
your site to accept, and process credit card payments, in real time.
Failure to do so, would result in a failing enterprise.
Before you can begin the application process, there are severa
l standards that all credit card processors have set. Follow this
checklist and you will save yourself a significant amount of time,
and aggravation.
1) The checkout, and transaction pages must be secure. This protects
the customer from credit card, or identity fraud, which has become
epidemic. You achieve this “security” by installing
a secure socket layer certificate, or SSL. SSL encrypts information
being entered on your site as it is sent across the Internet, so
hackers are unable to steal the transmitted information. This Certificate
has become very common, and any web host would be able to assist
you.
2) A robust Shopping Cart software that utilizes the highest degree
of security, and is compatible with the credit card processor. This
program must be able to receive, and process orders. Collect personal
data, and securely transmit the credit card data from software to
the credit card processor. Most importantly, the software should
provide the building blocks for a complete, successful customer
experience.
3) Your server must have a firewall, especially if you plan on storing
the credit card information on your server. Basically, a firewall
is a combination of software, and hardware, that inspects incoming
data, and filters unwanted, or potentially destructive packets of
information. This firewall will not allow hackers to enter your
server, and steal sensitive information.
When all these conditions have been met, you are ready to contact
your bank to open a credit card merchant’s account. Once your
account is opened, your bank will suggest a credit card Gateway.
A credit card Gateway receives the customer’s credit card
information from your web site, approves or declines the charge,
and ultimately transmits money to your bank.
Although the process appears to be very complicated, it is quite
straightforward when you know what you are doing. Plan ahead, avoid
frustration, and provide your customers with an easy, secure experience
that will make them come back for more.
Get a new nternet merchant accounts and Credit Card processor go
to: http://www.nationstransactionservices.com/
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