Sagepay Help

suarve · 7 Jan 2010 at 10:49

Hi,

Am just trying to learn how to use Sagepay, as I've always used Paypal in the past.

Say I have an online store and people checkout. They leave my store and go to the sagepay website to enter their card details - would this be form integration? - http://www.sagepay.com/developers/integration_manual/form_introduction.asp - kind of similar to using paypals website pay,ent standard?

Also, not sure if I'm reading this right, but unlike paypal the money would go direct into my bank account?

Thanks

GravyMonster · 7 Jan 2010 at 12:12

Yes - on both counts

suarve · 7 Jan 2010 at 12:18

Spunkey said:
Yes - on both counts

Why the heck do people use Paypal then? Have always thoiught it's a right poain in the ass having to transfer money to your current account - that's sold me on Sagepay tbh

BFCTom · 7 Jan 2010 at 14:54

Do you have to pay for Sagepay though? If it's not that much I suppose it's still better than Paypal due to fees etc.

P.J.Thomson · 7 Jan 2010 at 15:36

suarve said:
Also, not sure if I'm reading this right, but unlike paypal the money would go direct into my bank account?

It's not quite that simple - you'll need a merchant bank account to accept credit card transactions. Click on the "Merchant Services" tab on this page to get an idea of the fees involved:

http://www.sagepay.com/bolt_ons.asp

GravyMonster · 7 Jan 2010 at 15:51

I assumed the OP knew that as you have to have a merchant account to get a SagePay account.

Or has it changed?

PhillyDee · 7 Jan 2010 at 16:31

Yoou still need a merchant account. Sagepay can provide you with one, and yes, it costs. I use NoChex as they provide it all.

khushy · 12 Jan 2010 at 22:23

we offer customers - PayPal and SagePay (with iFrame - so they never actually leave our website during the payment process - SSL of course) - works a treat.

Personally I do all my shopping online and prefer PayPal as I dont need to carry my card with me - just a username and password - but we offer both - dont see the point of any others.

khushy

lookitsjonno · 13 Jan 2010 at 08:41

looking at using the iframe solution this week? any sourcecode available other than theirs? their php kit is in a right mess

suarve · 13 Jan 2010 at 10:59

Have been reading more about Sagepay - think I'll be using this from now as a first choice, instead of Paypal - this time am going to practice it loads beforehand though (at least they provide some pretty detailed code examples).

Amy_Sagepay · 29 Jan 2010 at 09:42

Sage Pay

Hi,

I work for Sage Pay so if you have any questions or need any help getting set up, don't hesitate to contact me

Amy

suarve · 29 Jan 2010 at 13:45

Well I have 3 hours planned this week to have a proper play with it, so I guess I'll need any help

gord · 29 Jan 2010 at 14:16

Are you building your own integration? Form, Server or Direct?

suarve · 29 Jan 2010 at 15:30

gord said:
Are you building your own integration? Form, Server or Direct?

HAven't read all the documentation yet but:

Am defo going to have a look at the form one - same as a paypal buy now button/cart where I'd send over form values.

Will be needing to take payments without the customer leaving my site - so I guess this is the direct/server integration.

Just to check, the server integration would be the eqivalent of website payments pro?

EDIT: wow, you have to be PCI DSS compliant to use thje Direct method.

gord · 29 Jan 2010 at 17:17

Yep, we are using direct and just sorting our compliance issues.. its a nightmare to be honest..

Although, we didn't build our cart..

suarve · 30 Jan 2010 at 13:32

gord said:
Yep, we are using direct and just sorting our compliance issues.. its a nightmare to be honest..

Although, we didn't build our cart..

Have never had to do this tbh, what does it involve exactly?

gord · 30 Jan 2010 at 17:31

suarve said:
Have never had to do this tbh, what does it involve exactly?

PCI compliance? Go to their website. It's a set of rules. The level of compliance is dependent on your merchant level, defined by the # of transactions and data access.

You have to comply with the rules, perform an SAQ, perform a scan of your infrastructure and let the bank know.

That's as far as I understand.

suarve · 31 Jan 2010 at 17:26

gord said:
PCI compliance? Go to their website. It's a set of rules. The level of compliance is dependent on your merchant level, defined by the # of transactions and data access.

You have to comply with the rules, perform an SAQ, perform a scan of your infrastructure and let the bank know.

That's as far as I understand.

Ah right. Had the idea someone would be auditing my site for some reason

gord · 31 Jan 2010 at 21:10

The scan is a 3rd party audit of sorts. If you are doing the # of transactions Amazon do, then they will audit you rigorously as a level 1 merchant.

Taziir · 2 Feb 2010 at 22:26

It does depend on which PCI auditor you go with and the number of transactions/turnover you are doing.

Sage Pay use Trustwave, with them the lowest is level 4 where you pretty much self-certify your setup. Higher levels start requiring monthly port scans and such.

Don't let your merchant bank hassle you in to taking the bank's preferred PCI auditor as you can shop around.