[Asterisk-biz] credit card payment

[Michael Giagnocavo]

There's also FakeXML (used by LinkPoint), ugly command-line process
(Credomatic), etc. 

There's also so-called processors that have your client post over to their
page (where the client can go and modify data), and some of those send a
separate message back to your machine.

I was referring specifically to PayPal, which, last time I checked, required
people to actually hit a PayPal page. Then again, that was a long time ago,
so maybe they've improved the process.

-Michael

-----Original Message-----
From: asterisk-biz-bounces at lists.digium.com
[mailto:asterisk-biz-bounces at lists.digium.com] On Behalf Of Kenneth Shaw
Sent: Wednesday, March 30, 2005 12:49 PM
To: Commercial and Business-Oriented Asterisk Discussion
Subject: RE: [Asterisk-biz] credit card payment

Bah. Integration measures is negligibly the same for all payment
gateways. There are only really 2 methods of transferring transactions,
either through a POST/GET name/value pair submission (NetBilling,
PayflowPro [Verisign], Authorize.net, Linkpoint) or via some kind of RPC
call wrapped in XML (XMLRPC or SOAP comes to mind) submitted via HTTP
POST.

What you really need is a real merchant account. Your choice of payment
gateway doesn't really matter. BTW, interchange is around 1.16%, so in
theory you could get the rate down to that. With a large enough account,
you can get your transaction rate anywhere from $.05 to $.50.

Its all dependent on your industry, your estimated risk, etc.
We do merchant accounts on the side and have a lot of experience with
them. If you need help or assistance in setting up a merchant account,
apply online at: <a href="http://www.highriskexperts.com/">High Risk
Merchant Accounts</a>

Disregard the high risk part -- we also do regular vendors. However,
like another post said, if you're selling an intangible product,
service, website, etc. that pretty much pushes you into the high risk
range.

If you have more questions, email me offlist.


On Wed, 2005-03-30 at 12:32 -0600, Michael Giagnocavo wrote:
> But if you use PayPal, you are subject to their terms, which aren't that
> great, especially when not shipping a physical product.
> 
> A merchant account from Charge.com or similar, so you can use Linkpoint,
> Authorize.net, etc. is the "best" way to go. AFAIK, they are also far
easier
> to integrate programmatically than PayPal.
> 
> -Michael
> 
> -----Original Message-----
> From: asterisk-biz-bounces at lists.digium.com
> [mailto:asterisk-biz-bounces at lists.digium.com] On Behalf Of
ht at phonitel.com
> Sent: Wednesday, March 30, 2005 12:11 PM
> To: Commercial and Business-Oriented Asterisk Discussion; Herman Webley
> Cc: Commercial and Business-Oriented Asterisk Discussion
> Subject: Re: [Asterisk-biz] credit card payment
> 
> Herman,
> 
> I would use Paypal. It is most fluid and pretty straight forward to
include
> in
> your system.
> 
> Before, it was compulsory for people paying you to be member of paypal.
> Since a
> few months it is no longer necessary so anyone with Credit card can
purchase
> credit from you.
> 
> 
> 
> 
> Selon Herman Webley <herman.webley at blitzllc.com>:
> 
> > Hi all,
> >
> > I am developing a calling card product. I am great at the coding, tech
> > parts, but money collection has me pretty much stumped. I am located
> > outside of the US (don't have ay kind of US bank account). Everything
> > I've read says this will make it much more difficult for me to get a US
> > merchant account.
> >
> > I planned to use www.2checkout.com 5.5%+$0.45 per transaction. I worked
> > my financial model around those figures. I planned to switch to
> > www.charge.com once revenues picked up (2.36%+$0.25 per transaction
> > +$39.95 per month).
> >
> > Are there better places that I should check out? Is using 2checkout.com
> > initially, a good idea. I know very little about credit cards.
> >
> > Thanks and best regards,
> > Herman Wbley
> >
> > _______________________________________________
> > Asterisk-Biz mailing list
> > Asterisk-Biz at lists.digium.com
> > http://lists.digium.com/mailman/listinfo/asterisk-biz
> >
> 
> 
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> 
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-- 
Kenneth Shaw
ExpiTrans, Inc.
2428 Newport Blvd #8
Costa Mesa, CA 92627
tel: 949 278 7288
fax: 866 494 5043
ken at expitrans.com

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