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PHPFAQ - How can I accept credit card payments from my website? |
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| PHPFAQ - How can I accept credit card payments from my website? |
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Question : How can I accept credit card payments from my website?Answer :There are various methods that you can do this.
Firstly there are options such as Paypal, its quick its easy but its also expensive. However to get you going initially its not a bad option.
There have been lots of horror stories of them keeping money and investing it in the stockmarket etc.. but this is mostly to people being duped by emails pretending to be from PayPal and people entering in their information.
There are lots of these pretending to be from Visa and Master Card etc..
If you don't want to use Paypal you need to consider what cards you want to take, the most common are Visa, MasterCard, Amex. There are companies such as Worldpay, Secpay, Protex that will take card payments via the website and transfer the money into your bank account (Normally a current account). Most of these have API's and allow you to list a monthly financial statement.
Some of these require you to have your own Merchant account, so you would need a business account with your bank. However Worldpay will allow you to use them and they will transfer money into your account. However they will keep it for 6 weeks before giving it to you.
All of the options will normally charge you a percentage (%) of the transaction.
As a provider we have used many of the systems out there and written custom applications for customers. Most of the above systems will not require a secure certificate (SSL) as they will provide this for you. You could always take the card information and encrypt it from the website and process from your office but this takes away the automation.
Websites
http://www.paypal.com
http://www.worldpay.com
http://www.secpay.com
http://www.protx.com
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