Easiest way to accept credit cards

therubble · 23 Jan 2006 at 21:45

Need to do this ASAP, not paypal and preferably no SSL on website.

Thanks

Chriss

zetec452 · 23 Jan 2006 at 21:56

No SSL? Are you mad? If your not willing to use SSL then you'll have to use a thrid party payment company like paypal or worldpay.

I for one would NEVER order from a website without a decent SSL certificate, ie no self signed crap.

Adz · 23 Jan 2006 at 22:09

Simplest - Worldpay
Most effective (in terms of cost and flexibility) - speak to your bank about a proper internet merchant account. All of the major highstreet banks have a merchant services division who will be more than happy to talk you through the various options.

therubble · 23 Jan 2006 at 23:02

JonRohan said:
No SSL? Are you mad? If your not willing to use SSL then you'll have to use a thrid party payment company like paypal or worldpay.

I for one would NEVER order from a website without a decent SSL certificate, ie no self signed crap.

Worldpay, sounds like a plan to me, I don't want to use SSL because a client cant get it installed on there server, and wont shift host either. I asked about shifting A records but they wouldn't have it.

zetec452 · 23 Jan 2006 at 23:06

Eww thats a tricky one.

Good luck dude.

AS_Platinum · 24 Jan 2006 at 10:37

Arn't their some laws about this, about the transmission and storage of personal data over the internet, pretty darn sure it has to have SSL certificate. If someone can verify this i'd tell your client that it has to have one or else they could end up with some hefty fines if the data got into the wrong hands.

Adz · 24 Jan 2006 at 10:43

AS_Platinum said:
Arn't their some laws about this, about the transmission and storage of personal data over the internet, pretty darn sure it has to have SSL certificate. If someone can verify this i'd tell your client that it has to have one or else they could end up with some hefty fines if the data got into the wrong hands.

You have a responsibility to keep credit card details safe, yes. If you're storing card details, it's even more of a minefield.

With Worldpay and similar services, the customer is sent directly to the Worldpay website where they input their card details. The merchant never sees the card number and certainly never stores it, thus absolving them of responsibility.

roboffer · 24 Jan 2006 at 10:43

AS_Platinum said:
Arn't their some laws about this, about the transmission and storage of personal data over the internet, pretty darn sure it has to have SSL certificate. If someone can verify this i'd tell your client that it has to have one or else they could end up with some hefty fines if the data got into the wrong hands.

Ive worked on numerous e-commerce sites with no SSL (And for reasonable sized companies), so Im not aware of it being illegal. Interested in anyone else opinions is this is true.

Best bet is Worldpay for this scenario.

AS_Platinum · 24 Jan 2006 at 10:48

You have a responsibility to keep credit card details safe, yes. If you're storing card details, it's even more of a minefield.

Ahhh yes thats the one, my apologies.

Barcleys ePDQ is pretty easy to setup and code for, done a couple of sites using it in the past. Think the client has to open an account with them though.

BaJ · 24 Jan 2006 at 13:10

Also take a look at Protx - http://www.protx.com/

Can work out cheaper than Worlpay, is easy to implement and has a decent enough back-end for payment-management.

Adz · 24 Jan 2006 at 13:23

Protx is good but it needs to be used in conjunction with a 'real' merchant account from your bank. Worldpay will cost you more in the long run but will provide the whole service - capturing and processing.

roboffer · 24 Jan 2006 at 13:31

BaJ said:
Also take a look at Protx - http://www.protx.com/

Can work out cheaper than Worlpay, is easy to implement and has a decent enough back-end for payment-management.

As someone who prides themself on knowing a lot about the internet, and has worked on a large number of e-commerce websites, and is a web developer by trade I have never heard of Protx.

Trust is essential on a website when it comes to onine pruchases, and I dont believe that average joe will feel secure on a site using Protx. That, to me, is not worth the saving in cost over Worldpay.

Adz · 24 Jan 2006 at 13:37

roboffer said:
As someone who prides themself on knowing a lot about the internet, and has worked on a large number of e-commerce websites, and is a web developer by trade I have never heard of Protx.

Trust is essential on a website when it comes to onine pruchases, and I dont believe that average joe will feel secure on a site using Protx. That, to me, is not worth the saving in cost over Worldpay.

Implemented correctly, the customer won't know they're using Protx (other other similar services)

.

Sending customers off-site is the least 'pro' way of doing it but the easiest to implement.

roboffer · 24 Jan 2006 at 14:28

Adz said:
Implemented correctly, the customer won't know they're using Protx (other other similar services) .

Sending customers off-site is the least 'pro' way of doing it but the easiest to implement.

It really all depends on the site in question, sometimes lesser known sites can benefit from the piece of mind and security that a name like Worldpay can offer.

I think the best balance is somewhere in between, look and feel stays the same but with the addition of the Worldpay integration.

BaJ · 24 Jan 2006 at 19:02

roboffer said:
As someone who prides themself on knowing a lot about the internet, and has worked on a large number of e-commerce websites, and is a web developer by trade I have never heard of Protx.

Trust is essential on a website when it comes to onine pruchases, and I dont believe that average joe will feel secure on a site using Protx. That, to me, is not worth the saving in cost over Worldpay.

True, there's no denying that Worldpay is a bigger name than Protx, Protx uptake is growing though. However, there's an argument that average Joe wouldn't know what payment system they were using at all in most cases.

I work for a medium sized web development company and we now roll out more clients with Protx integration than Worldpay, and we've never had a complaint or issue so far. It depends on which version of their VSP system you wish to use as to what sort of customisation you can make to the payment process.

paulsheff · 24 Jan 2006 at 20:09

Isn't Protx the result of some ex-Worldpay directors thinking Worldpay was charging way too much on startups and deciding to set up a rival more cost effective solution on their own? Maybe I dreamt that...

Protx are pretty good, they did have a spate of getting DOS attacked in 2005 which they now seem to have got around. The only integrations I've seen were with HSBC, but they all fair pretty well and as mentioned allow you to customise (to an extent) the payment pages your customer will see.

Beansprout · 24 Jan 2006 at 20:24

One issue with Worldpay is that they're quite anal about exact placement of the Worldpay logo on the website. I know of one recent company who had a fantastic, light, minimalist design....ruined by a girt'big Worldpay logo smack bang in the middle

robc123 · 24 Jan 2006 at 21:02

roboffer said:
As someone who prides themself on knowing a lot about the internet, and has worked on a large number of e-commerce websites, and is a web developer by trade I have never heard of Protx.

Trust is essential on a website when it comes to onine pruchases, and I dont believe that average joe will feel secure on a site using Protx. That, to me, is not worth the saving in cost over Worldpay.

you've never heard of Protx....... Surely you must be joking. As was said previously they provide a good service and one of the things i found useful when using them was their testing environment which you can use before the site goes live

roboffer · 25 Jan 2006 at 08:55

robc123 said:
you've never heard of Protx....... Surely you must be joking. As was said previously they provide a good service and one of the things i found useful when using them was their testing environment which you can use before the site goes live

Nope never heard of them but will keep them in mind in future for things like this, always nice to learn about something new

robjf · 25 Jan 2006 at 10:51

roboffer said:
Nope never heard of them but will keep them in mind in future for things like this, always nice to learn about something new

Yes, protx are a very well respected payment gateway. I have bought things several companies which i know use them, all without a hitch.