Hi All, I am in the process of setting up a website that sells one simple product, the only variables are size and quantity. Anyway, because it is such a simple product, I want to make the online credit card payment process as simple as possible. I hate checkouts, as they are clunky, involve several steps and I just find them old. I also hate payment methods, whereby you get re-directed to a 3rd party website as they just seem unprofessional and while I am not opposed to PayPal, I find that sites which have a orange PayPal button, always appear cheap and unprofessional. So I am looking for a credit card payment process that: 1. Is not a checkout 2. Does not redirect customers to another site 3. Is seamless and can be integrated to fit on a single page of my website 4. Is secure and cheap If anyone knows of a credit card payment system that may be suitable, or is able to provide examples of websites that have a seamless credit card payment solution, it would be much appreciated. Cheers Jake
2. Does not redirect customers to another site Almost impossible , to get API connection you will need some efforts. Some processor give it easily , some of them ask a PCI DSS. It's not legal to have a access to CreditCard information.
It's perfectly legal to have access to credit card information. There's security protocol you need to follow, and significantly more security if you plan on storing numbers, which I would strongly recommend against, but there's nothing illegal about it. You can use just about any payment gateway with an API and have a checkout system that exists entirely on your website. The most basic fields would be the card number, and exp date. I would strongly recommend requiring CVV and AVS if your customer's countries support it for the most basic fraud prevention. I don't personally know of payment gateways that are compatible with Australian processors, but I'm sure there are some that exist.
"It's perfectly legal to have access to credit card information" It's legal , if you have some certificates. Take look on Visa and MasterCard rules
Seamless integration is possible, but not so simple. You have to comply with PCI DSS requirements to accept credit card payments on your website without redirects. Processing cards on your website without validation of PCI compliance is illegal.
Try authorize.net's Direct Post Method or Server Side Integration method. Both are seamless methods, allowing you to take cc payments from your site. Depending on the integration, everything can occur on one page (or seem like it occurs on one page). Note you'll need a merchant account. All the best. P.s. just noticed you're from Sydney. I don't know if they have authorize.net down there. If not, try checking out "authorize.net like payment gatewatys" in Australia.
I'd recommend just creating a simple payment page catered to your exact needs. Many of the popular payment processors offer seamless credit card integration. If you're looking for a "free" payment processor with this type of integration, check out stripe [dot] com. They have financial backing from eBay, and it's by far the easiest payment processor to sign up for that provides seamless integration of payment processing.
You can always accept payments on your website, but to be able to do that you'll need: 1. Setup merchant account with the bank 2. Have an agreement with payment processing company (usually the same company which provides you with merchant account) 3. Have PCI DSS certification All three can take up to 6-8 weeks in time but usually less. And this is not so easy to implement, even you have time and resources. I would recommend to try Stripe.com, but their service only for US clients as I know.