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Accepting
Payment Online
For many types of businesses the ability to accept payment
from clients online is a major benefit. In some cases
it may even be vital.
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It was not long ago that the amount of effort, resources,
expertise and risks involved with enabling a web site for
secure online transactions and payment processing was prohibitive.
Thankfully, that is no longer the case. There are a number
of elements involved with the integration of a secure online
system into a web site. The key aspects are summarized below.
Internet Merchant Account: An account with
a bank that allows you to accept credit cards (Visa, MasterCard,
American Express, etc) as a form of payment, over the web,
from your customers. NOTE:
Traditional Merchant Accounts, those used in face-to-face
transactions as in a bricks-and-mortar business, are generally
NOT authorized for use in online transactions.
Click
here to inquire about enabling your web site
to accept credit card payments from your customers.
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Payment Gateway (Processing) Service: An
online system for real time charging/processing of credit
cards when your customer places an order. The processor then
deposits the funds collected from your customer's credit card
into your Internet Merchant Account(s). You require an Internet
Merchant Account for each of the credit card types you wish
to be able to accept (Visa, MasterCard, etc.).
If you already have your Internet Merchant Accounts set-up
but do not have a gateway service, we can help. Click
here to ask us how.
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Recurring Billing: If you need to automatically
bill customers on a regular/periodic basis we can help. With
recurring billing you can provide your customers with the
convenience of having funds automatically withdrawn from a
bank account or apply a charge to the credit card of their
choice. Receipts can be automatically sent by email (to you
and your client) with each transaction. This functionality
is an excellent tool for membership and subscription based
services. This service is available as an add-on to real-time
payment processing. If you are interested in this functionality,
let
us know.
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Off-Line Payment Processing: You may wish
to have the ability to accept credit card payments for orders
placed over the telephone, face-to-face or by means other
than the Internet. With a fully featured payment processing
solution you will be able to turn your computer into a credit
card terminal to handle these types of transactions. This
elimates the need to have a duplicate set of traditional merchant
accounts and payment processing solution. If you already have
a traditional credit card processing solution in place for
your business, you may be able to replace it and enjoy considerable
overall savings. Ask
us about off-line payment processing.
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Security and Encryption: In order protect
sensitive information that must be communicated during an
online transaction a very high level of data encryption must
be used. The system of choice is a protocol known as Secure
Socket Layers (SSL). SSL is available in various strength
levels with 128-bit being the most highly recommended. We
have partnered with GeoTrust, one of the premiere providers
of online security solutions. Please contact
us with any questions you have about this often
mystifying subject.
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Our Payment Processing Partner
Facilitating secure, efficient and seamless online credit
card transactions is much easier today than just a couple
of years ago. This is largely due to the efforts of companies
that specialize in bringing together the areas of bank relationships,
merchant accounts, electronic processing, security. They streamline
the administrative process for getting you set-up and provide
fully-featured technical solutions to enable easy integration
of your payment processing solution into your web site and
online shopping cart.
After extensive research we have selected the experts at Payment
Services Interactive Gateway Inc. (PsiGate) as our partner
to provide payment processing solutions. PsiGate is a proven
leader in the Internet merchant account, and secure, real-time
payment gateway and processing business.
To view the details or sign up for Internet
merchant accounts and payment
processing click here.
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