acceptingcreditcards

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acceptingcreditcards

Despite all the fantastic features that DO come with your ClientReady site, you do need to have an account with a credit card processing company to start accepting credit cards on your site.

Click here for more info on exactly what happens when a credit card is processed on your web site

What your ClientReady site DOES provide is the code that 'talks' to the credit card processing company that you select. This is important, because without it you couldn't validate charge cards from your web sites.

There are 2 ways you can begin accepting credit cards on your web site:

  • Establish a regular merchant account with your bank or a merchant acctount company like Authorize.Net. You will need to choose a gateway provider to go along with your merchant account (we recommend and use Authorize.net ourselves, they are the biggest gateway provider around). If you're a serious, mainstream kind of business you'll want to obtain your own merchant account.
    • Where To Start >> Contact your bank and request information regarding how to set up a merchant account.
  • Use PayPal - they allow you to sign up free and process cards without having a real merchant account (they charge you a small fee on each purchase). There is no monthly cost, but their shopping cart window pops up when a user adds an item to their shopping cart or goes through checkout on your site... so it's not a seamless, transparent integration.
    • Where To Start >> Go to PayPal and follow their instructions on setting up a new business or premiere account. Once you have done this, contact us and we will complete the integration process with PayPal.

Here are the steps that take place 'behind the scenes' when a credit card is processed on your site:

  1. User puts things in their shopping cart
  2. User clicks "Go to Checkout"
  3. User enters name and address info
  4. User enters credit card number and clicks "Submit" button to process the transaction
  5. The amount, card number and customer name & address information go to a gateway company, and they check with Master Card or VISA, etc. to make sure the card is valid and has not reached it's limit.
  6. The gateway company returns a code to your web site saying that the card was either approved or declined and why.
  7. A confirmation email is automatically generated from your web site to the customer, with their order details, and one is also generated to you, the merchant, with the same details, only your email has the credit card procesing info on it also.
  8. If the card was approved, the gateway company deposits the amount into your bank account within 24-48 hours usually.