[Asterisk-biz] [OT] Credit Card Processing / Level III Data

[Chris Ochs]

>
> Untrue, Verisign, 3-Delta Systems, ClearCommerce, etc. all do Level III
> right now!  We are in talks with them already.  When I posted this
> question, I had already found these three - and others - but we were
> unimpressed with their rates.  We have now begun negotiations with them
> and seem to be getting better rate quotes.  Anyway, at this point I
> would say 75% of the established gateways out there support Level III -
> no offense to any companies on this list intended - the problem is that
> most of them have very high per-transaction rates until they get to know
> you, then they start dealing.


Ya, services like Level III are often sold at a premium.  Why?  Because the 
market will still bear it.  It doesn't cost us anymore to process a 
transaction with Level III data than any other transaction.  You should be 
able to negotiate down to the same cost as a transaction without Level III 
data.  Ask them why they don't charge extra for address verification but 
they do for Level III data.  If they try to give you any technical reason 
it's BS.

Sometimes gateways charge more if the merchant is going to need extra 
support in implementing something, but if you know what you are doing and 
don't cost them extra support costs, there is no reason why you should pay 
more just because you want to pass Level III data.

Chris