[NTLUG:Discuss] OT: Credit Card Processing ( using linux )

[Paul Ingendorf]

In order to process any type of transaction via the internet all you need is
a processor and a bank account for the collected funds to be ached into.  I
have no idea what your experience has been here but somewhere you were
mislead about the requirements.  It is true some card companies may have
special requirements of the merchant when handling transactions but it is up
to your processor/iso/var to keep you informed of this if you will be
handling these cards as they are your direct link to all card companies.  As
for your bank account as long as you have a transit number for the bank and
the account number for the account then you can use it for a merchant
account.  This is regardless of what any of the banks will tell you.  If you
have any questions about this let me know offlist.


-----Original Message-----
From: discuss-bounces at ntlug.org [mailto:discuss-bounces at ntlug.org]On
Behalf Of David Camm
Sent: Monday, July 19, 2004 8:02 AM
To: NTLUG Discussion List
Subject: RE: [NTLUG:Discuss] OT: Credit Card Processing ( using linux )


to clarify a bit, if you want to process credit card transactions from
customers
via a website, here's what you'll need to do:

1. through a bank, set up a card not present merchant account with a
processor.
processors are the companies that act as the intermediary between the card
holder and your bank.

2. choose an online clearing service. the bank may only do business with one
service, so you may not have a choice.

3. get a secure cert so that the form a customer fills out sends to your
server
via ssl.

4. write the code to process the transaction, connect to the clearing house
and
receive their response.

just about all clearing houses - i've worked with four different ones -
provide
extensive documentation and code to help with #4 above. every one is
different
and some are simpler to use than others. the general scenario is that you do
a
post to their server (or send a transaction via a module that they supply)
and
then they do a post with the transaction's results back to a program you
supply.

not knowing exactly WHAT you want to do - is this for yourself charging your
customers, or is this for a customer who wants to do e-commerce, it's
difficult
to say what the best solution is.

david camm
advanced web systems
keller, tx
www.advwebsys.com


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