Gateway Options
You will have to decide if you will process credit card purchases off-line,
or have the processing take place across the Internet in real time.
There are various payment systems available to suit your needs.
Off-line Processing
Using Actinic Catalog's built-in encryption, you can securely download
your customers' credit card information and process the payment off-line,
using the merchant terminal you already have. Our customers that sell
higher ticket items most often prefer this method as it allows them
to verify the validity of an order before beginning the process of collecting
funds
Online Processing and Payment Gateways
are preferred by companies that sell lower priced products. Payment
gateways are companies that verify an online customer's credit card
details and perform the actual charge in real time. They provide a web-based
interface for your transactions and provide information on the validity
of the transactions.
Make sure your e-commerce solution integrates easily with your gateway
choice. Actinic, our preferred e-commerce solution, easily integrates
the following payment gateways:
Authorize.net
Cardservice International
CyberCash
Internet Secure
Planet Payment
WorldPay
If you are using or plan to use Intuit's QuickBooks for your bookkeeping,
consider using QuickBooks Merchant Account Service. This processing
method gives you more flexibility (for example, you can accept credit
card payments over the phone) and enables you to download your payment
transactions directly into QuickBooks. However, using this method also
means that you, as the user of the merchant account, have full responsibility
for safeguarding against fraudulent transactions. To help reduce the
amount of fraud, the QuickBooks Merchant Account Service performs an
address verification check for each credit card transaction by comparing
the customer address you enter with the credit card bank records.
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