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  1. #1
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    Smile How can I accept credit card payments on my PHP website?

    I have a basic PHP websites. Now I wanna add some products online. What do I need to accept payments online using credit cards?

  • #2
    Supreme Master coder! _Aerospace_Eng_'s Avatar
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    A shopping cart would help. Zen Cart or Cube Cart are decent. You would also need an SSL certificate so your transactions would be secure.
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  • #3
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    You need a payment processor of some kind. Worldpay, Secpay, Protx are some examples. Which processor you use, and how you use it, will determine whether or not SSL is needed- for many it isn't, as the card details only get passed to the processor, who will have the certificate, and not your site.

    Storing credit card details yourself, is really, really bad idea, and if you're asking for help on how to do it, then it's a fairly good indication that you shouldn't be.
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  • #4
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    When using a Gateway (credit card merchant processor), you'll see
    two terms normally used:

    SIM: Simple Integration Method
    This is where you don't have a secure server, so the customer is sent to
    another site (like PayPal), where they enter in their credit card info.
    After the transaction, they are returned back to your website.

    AIM: Advanced Integration Method
    This is where you do have a SSL (secure server) and you keep the customers
    on your site to enter their credit card info. Data is then sent securely to
    the Credit Card Merchant. The customer never leaves your site.

  • #5
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    Which one is better AIM or SIM? Could you please give me an example of AIM?

  • #6
    UE Antagonizer Fumigator's Avatar
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    I was just looking at Paypal's Website Payments Standard last night... looks pretty good-- 2.9% + $.30 per transaction (with high volume discounts). The advantage is simplicity-- you don't have to bother with a SSL which costs about $180/year (I think?).

    Yes, your customer leaves your site and goes to the Paypal webserver for the final payment step, but they allow a certain amount of customization so it "sort of" still looks like your site, and it send your right back to your site once the payment process is complete.

    Looks good to me.

  • #7
    UE Antagonizer Fumigator's Avatar
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    Whoops I just looked at my host, www.hostmonster.com and they charge $45/year for an SSL certificate installed (not $180 as I mentioned earlier).

  • #8
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    AIM - Advanced Integration Method is where they stay on your
    website at all times. When it gets to the credit card page, or even
    when they enter your online store, you'll see the URL go from http://
    to https:// and the little lock thingy shows up on the status bar.

    At that point, you are on a secure server so credit card data can then
    be entered directly on your website. Your MySQL database is also stored
    in a secure server.

    As the others have mentioned, this comes at a cost ... but it keeps the
    user from jumping to another secure site (like PayPal).

  • #9
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    Quote Originally Posted by Fumigator View Post
    I was just looking at Paypal's Website Payments Standard last night... looks pretty good-- 2.9% + $.30 per transaction (with high volume discounts). The advantage is simplicity-- you don't have to bother with a SSL which costs about $180/year (I think?).

    Yes, your customer leaves your site and goes to the Paypal webserver for the final payment step, but they allow a certain amount of customization so it "sort of" still looks like your site, and it send your right back to your site once the payment process is complete.

    Looks good to me.
    Great post very helpful. Thank you. I never realized paypal fee's were so low. I have a merchant processor to process my online payments and it works great but the fee's are kind of high.


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