To achieve the maximum number of sales you need to accept
payments online via credit and debit card, in addition to cheque and bank transfer.
If you do not offer this ability/ease with which to pay, your potential customers may
never become your real customers. The majority of your visitors will want to pay via
this current simplest method available - DEBIT or CREDIT CARD.
Accepting online payments via credit card must be done securely. It
is not adequate to take credit card details via SSL then to email the results to yourself
or the administrator. There are at least three issues with this method:
- Sending sensitive details via email is not secure (unless you intend to
use some sort of sophisticated encryption prior to sending the email).
- Storage of credit card details must be kept secure else you could be breaking
the law. If credit card data is not protected in a manner in accordance
with the PCI DSS then you could receive heavy fines.
- Detection of fraud - how do you check if the credit card details are stolen?
This is very important and is highlighted in our Accepting
online payments article.
- By taking payments via the Internet you maybe contravening your terms of use of
your current merchant account.
It is far better to use a credit card processing company that specialises
in Internet payments, then the transactions are carried out securely and monitored for
fraud.
When comparing the prices remember that you do not require an Internet
Merchant account if you are using Checkout, PayPal or WorldPay. Using an
alternative online payment processing company you will need an Internet Merchant account
and your bank will charge you anything from 2 to 5% per transaction depending on your
business in addition to the costs charged by the online payment
processing company.
Checkout, PayPal and WorldPay are proven leaders online and we recommend and support them within all our ecommerce hosting accounts. WorldPay can provide PRE-AUTHorisation
accounts (which many others do not offer). This allows you to confirm the
order and customer are real before logging in to WorldPay to complete the transaction;
until this is carried out by the seller NO funds are transferred. PayPal have a similar
safe-guard in that they do not charge if you refund a payment. If
there has been a fraudulent payment just refund it within 60 days and there should be no
charges. Checkout, PayPal and WorldPay are setup and ready to use on all our ecommerce hosting.
Checkout the newest contender offering great savings:
Checkout now offers you a safe and secure method for you to process online payments. There is a prerequisite to using this over other payment options offered, such as PayPal or WorldPay, which is the requirement of SSL (https - secure server). POA.
The great bonus for using Checkout is there are zero charges until the end of the year (2007) and then the charges will be free dependant upon your Adwords spend, and there is no cost to setup the Checkout account. For most traders the additional premium for SSL will be recovered within a short period of time due to Checkout Free transactions and the future free processing as per your Adwords spend.
More details on Checkout
Free transaction processing, and future Checkout offers.
WorldPay WorldDirect:
The type of WorldPay account you need to operate in
conjunction with osCommerce is a "WorldPay WorldDirect"
account - product type: Select Junior (at the time of our last update - June 2007 - the
price was £200 setup fee, then £30 per month with 4.5% per credit card transaction
charge and £0.50 for debit cards).
If you require a PRE-AUTHorisation account then you MUST state so when ordering.
PayPal are now a VERY viable
option for business use as:
Is it worth it?
- Yes, you can expect to sell several times
more by accepting payment by credit/debit card than by cheque, or bank
transfer.
- "THE increasing maturity of UK Internet users will lead to an
ecommerce boom in the next few years." (source: Computing 14th Aug 2003). This
is continuing to be correct (June 2007).
One of our featured web sites, The Singles Agency, has increased revenue by 1000%, when
they started to accept payments via credit card in March 2003 and they are continuing to
reap the rewards:
"Cheque payments were very
slow to say the least. Many potential clients promised to send cheques that never arrived.
Since taking online credit card payments we have never looked back. The one regret with
taking online credit card payments is that we should have done it sooner."
Tony Pollitt, webmaster of TheSinglesAgency.co.uk
Also read about the osCommerce: Return
on Investment
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