What's the best online credit card processing with SSL?
I have a client who needs to accept credit card payments online. He was using Volusion but now that he's moved his Web site, he can no longer use them. Any suggestions on reputable and affordable online credit card processing services with SSL? Thanks in advance!
Depending on your needs, you can either adapt a Shopping Cart system or go "custom".
Custom allows you the greatest flexibility. If you go that route, you can backend to just about any provider. Personally, I've found Elavon the easiest to build an interface. (Elavon is the provider-of-cfhoice through COSTCO.)
And, yes, SSL is a definite must. You should note that SSL has really nothing to do with e-commerce. You can use it for anything. Essentially, SSL encrypts all communications between the user's browser and your web server. That way whatever information is being sent back and forth is encrypted and virtually* impossible to read/intercept.
You can purchase SSL certificates from providers such as GoDaddy.
*Nothing is impossible.
We use Stripe and it's been super easy for us and you don't pay any fees unless you process transactions. It really depends on the volume though. I think the Stripe transaction fees are slightly higher, but again, you don't have any ongoing maintenance and other fees. If you are processing a large volume of transactions, setting up a merchant account and processing through a traditional bank might make more economic sense. You just have to walk through the fees and run an analysis.
I will give you one that offers free processing on the first 50K. They do not offer SSL, but any hosting can hep with that. Check out braintreepayments.com
what accounting software do you use? There are many options right now, Stripe is one of them...How about Square, Authorize.Net, Ace, Breadcrumb, etc...here is a great way to see it, read this a few years ago...Typical merchant account companies can charge up to 5% of everything a company earns with prices consisting of merchant processing costs, gateway fees, interchange costs, Visa, MasterCard, American Express charges, statement fees and so on.
In time these expenses could add up to a great deal of money; that's money your business is not taking in. Every penny being paid is cash your business is not making.
What if you could reduce your existing credit card processing fees 25%—50%?
While regular rates go from.41% to 2.19%, some merchants specializing in small business have processing fees ranging from 0% to.36%.
In addition, why not choose a merchant provider that reports your company's repayment history to a major business-credit reporting agency?
Having a merchant provider that provides low credit card processing fees while enabling your business to establishing its own creditworthiness is an ideal solution for a small business owner. When searching for the best merchant to supply credit card processing for small business consider these two main factors before making a decision.
Low processing fees
Building your company’s creditworthiness
These two ideas are basic, yet incredibly effective for a small business owner. Don’t let “quick and easy” replace being cost effective and efficient.
Jessica ...SSL certificates can be obtained from the client's web host or from a variety of other resources like Symantec. Then it becomes a credit card processing issue.
I would suggest having your client start with their bank to see what their fees would be. Sometimes they will give you a discount based on their current relationship.
Other options include Google Wallet, PayPal and Braintree Payments (a PayPal company). These are probably the top 3 processing services because you don't have any monthly fees. They all have similar fees but Braintree is fee free for the 1st $50,000 in transactions.
The bigger issue is the gateway being PCI compliant. Your client should look for a payment gateway that doesn't credit card information otherwise they'll have to pay to have their site constantly tested for compliance.
Hi Jessica, Long time no see. A lot of my nerd friends swear that Stripe is the best way to go: https://stripe.com/us/pricing It's also not full of all the gobbledigook that Google and Paypal now have. Pretty intuitive set-up for people to use. I use it for memberships.
Explore Stripe - Brilliant APIs for Online Payment Processing and very reasonable price. He would need a developer to get the Stripe integrated with his shopping cart.
Try charge.com. Charge simply outshines all its counterparts, when it comes to the diverse range of products, it has up for trade. Whether you need powerful merchant account solutions, resourceful processing software or credit card processing machine, Charge encompasses them all.
I must agree with Jim. Stripe is the way to go. Your client will get their money quicker as compared to paypal. Do check it out.