Calling our bank tomorrow to see what their rates are. Someone suggested authorize.net. Any one else have other suggestions?

View of the upcoming site - just posting bc excited

the black people look like they’re having so much fun

they know they are going to order everything off the site then dispute it

you’ll want someone that handles all that bullshit "regulation" wrapped into one.

means collecting your cart info and shipping someone off to an external site, then having them redirected back. you can do an iFrame solution too

Yeah, I just did a site with Authorize.Net

can I ask which reseller/vendor the online services you used? I think the design company pre-built a cart already

You going to be storing credit card info?

don’t even know if I need to. Do you mean will the store have a saved payment method like amazon? - no to that

We use Sagepay, but I’ve no idea if they’re worldwide.

doesn’t matter

braintreepayments.com is pretty sweet - all in one payment solution.

not bad, don’t think I can justify their monthly fees plus their min $75 fee. Thats quite a bit of fees plus rate+transaction. Don’t think I will be doing that much biz online

is a new one that makes a developer’s work much easier.

There’s 2 ways you can accept credit cards

-You get a "Merchant Account" with a bank.
*Authorize.net isn’t a merchant account, it’s called a gateway. A gateway is what’s used to connect your website to the bank to process orders online.
*With a merchant account, you take on all the risk. If there are any chargebacks, you’re responsible and the money is debited from your acct.
*A Merchant account usually has lower per transaction rates, but may have monthly fee’s. Usually better for higher volume merchants.

-You use a third party service, who has their own Merchant Account and will process payments for you. (ie. Paypal, Google Checkout, etc)
*Usually charge higher fee’s per transaction, but still may be cheaper for low volume merchants.
*Easier to get account (no credit check)

I’d recommend starting off with Paypal or Google Checkout, you can always switch to your own Merchant Account in the future. Check out the buy.com for examples of all 3. Have the option of using their own Merchant acct, Paypal, or Google.

thanks we do run a full retail store front so we actually do have a merchant account - we run about 1-20k in a day. Thanks for the informative post

ahh, in that case you should get in touch with your current merchant acct provider and inquire about adding an online payment gateway. You could think of a gateway sort of like your physical terminal you use in the B&M store.

For reference, here’s the rates at the one of the banks we use. If your bank quotes you high rates let them know you’re shopping around, they’re cut throat for customers. All merchant acct’s are pretty much the same, the banks just a middle man.

Lmk if you have any more questions, I’ve been in E-Commerce for 10 years.

Stripe is slick, played with it last night and integrated it into a product I am building. Their solution is brilliant.

Anyone using them?

Why not? I was going to suggest the best tokenization / customer profile payment solution if the answer was no.

this, it’s Square (the CC reader for phones), but for the web

same company? did not see anything saying they were connected

not same company, just similar

Cool, I like using square, so this one looks promising too,

cdgcommerce, been using them for 5 yrs now

Oh, tokens are fine (Like stripe) - but i thought you were referring to even having payments go through your server

pci compliance is just too extreme OMG BITS HIT YOUR SERVER BUT NOTHING IS STORED, WATCH OUT!

Actually they don’t care unless you are doing over a million transactions

To show you the extremes we did $62,000 on Saturday and $343 on Sunday. I don’t anticipate that online business will be big by any stretch for us

It can if you are in the furniture business. Two of the major "micro site" e-tailers are in furniture. they both do 3-500M a year. It’s not easy but it could certainly be fairly big for you. It looks like you do financing which could be a big hit as well.

Have you launched the site yet?

update -

Went with Authorize.net because the developer’s really have the best working knowledge with it and wouldn’t incur cost.

Although you know what would incur cost? Putting the fucking Authorize.net seal at the bottom of the website. Go figure since they built the site ahead of time with that in mind, ofcourse when I asked them that 3 months ago they had no idea.

Shit like that’s a ripoff (for suckers ). Don’t pay for any seals, or any "Premium" SSL certificates or anything. If anything, just stick the Visa/MC logos down there and say something like "Secure shopping via 11ty million bit SSL encryption etc etc". Hell you could put the OT orb down there and no one would know the diff.

edit- wait are you talking about this seal?