02-01-2003, 06:12 PM
Im creating a second site for www.worldwidefitness.com and this second site is going to allow people to purchase the equipment online.
I have a few questions about that.
What is the best way to go about doing this? As far as hosting goes, and the shopping cart itself.
Im going to be doing this in ASP. What do I have to do to get the credit card check, and all that beyond the shopping cart itself.
If somone could fill me in on as much information as possible, that would be great!!
02-01-2003, 07:20 PM
An SSL cert is probably a definate, you could use the messy paypal integration or something like worldpay.
There is also Actinic Catalog/Business which is good because the customer can easily add/remove products and download orders etc.
The easiest way I would do it would be with SSL that fires off an e-mail to firstname.lastname@example.org, maybe with MD5 encryption then they just unencrypt it when the receive it.
I hate to plug the company that I work for but we do hosting, SSL certs etc and are extremely flexible on ASP components. Only cos at the end of the day, it is my playground!!!
02-05-2003, 07:55 PM
I can give you the pro's and con's of P2P (Paypal, iBill, etc.) vs. Traditional Merchant Account gateway ($$$ ON THE NET, Verisign, etc.) but it is much easier asking you a couple simple questions:
What is your predicted number of transactions per month?
What is your predicted average transaction amount?
I (or anyone pointing you in either direction) would need to know this info to give you the proper advise. Basically P2P solutions will have lower up-front and monthly fixed costs but will usually have higher per transaction costs vs. TMA solutions will have higher up-front and monthly fixed costs but will usually have lower per transaction costs. Depending on your actual transaction volume and amounts, the difference in cost can be significant.
I'm in favor or TMA because of other pros's you gain by going that route but most people decide based strictly on costs. Take a look at my responses in the following thread for additional comparisons: http://www.codingforums.com/showthread.php?s=&threadid=3558&highlight=paypal+traditional
02-05-2003, 11:42 PM
Its gym equipment, and so they are big & expensive, im guessing that per month its going to be a few hundred or more, and as far as the money, seeing as the machines are an average of $500 im guessing the total amount will be somewhere around $100,000
02-06-2003, 12:27 AM
Based on those volume/dollar figures, I would not even consider a P2P solution. Usually the break-even point between P2P vs. Traditional Merchant Account is somewhere between 10 to 50 transactions per month or $500 to $5000 per month. Your estimate is over both thresholds.
The first thing you will need is an e-commerce merchant account from a Merchant Service Provider (MSP). In the credit card arena there are basically two types of MSP's: banks and ISO's. Your cheapest rates will generally be from the banks because ISO's need a bank to back them so in essence, they act as a middle man. Banks however, usually have higher qualification levels for approving new merchant accounts -- years in business, credit rating, etc. ISO's have less stringent requirements. I don't know where you would rate (risk wise), but it is common to start out with an ISO and then work directly with a bank once you have a track record.
Anyway, getting an e-commerce merchant account is your first step and I would try a few banks first. Also, different banks as well as different ISO's will charge wide range of rates -- shop around -- get at least three quotes!
Once you have a merchant account, then your best route would be to find a gateway provider. Obviously, I would promote $$$ ON THE NET(tm) (http://www.shift4.com/default.cfm?page=otn.cfm) . Our biggest competitor is Verisign. Either solution should work even though you would be MUCH happier with $OTN :D .
After that, depending on the method you choose for the credit card processing interface (direct vs. page redirect), you may need a SSL certificate. My own opinion is that you should get your own SSL cert and do a direct interface because to me, page redirects appear "fly-by-night". By page redirect I am referring to sending the customer to a secure sever hosted by the gateway provider where the customer enters the payment information.
Take a look at the Credit Card College (http://www.shift4.com/default.cfm) section of out web site. It will explain things a little more than I can type here. If you have more questions that you think I can answer, you can ask them here or e-mail me directly.
02-06-2003, 12:49 AM
I'd agree with all that, for big dollar transactions you HAVE to have a merchant account, and I would also directly interface with them using SSL, FYI I've found the easiest third-party asp components (in my experience with the company I work for) to use were from Authorize.net and CyberSource.