Payment Gateways
Venkatraman S
Would like to know which payment gateways do people use for managing money movements in their sites?
I wouldnt like to go the Paypal way, any other suggestions?
-V-
CLIFFORD ILKAY
Hi,
You can use whatever you like as long as it has an API and
documentation. We've used SecurePay (an Australian one), InternetSecure,
BeanStream, Authorize.net, and others that I can't remember right now.
They all have their pros and cons. A quick checklist of what to look for:
* API
* Documentation - very important
* Test environment, a.k.a. sandbox - very important. Some have great
restrictions on what you can do in that environment so pay attention to
the details.
* Which currencies will they process?
* Which credit cards and which other payment methods will they accept?
* Fees - the pricing is all over the place and like anything, volume
will get you discounts.
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Kenneth Gonsalves
> You can use whatever you like as long as it has an API and
> documentation. We've used SecurePay (an Australian one),
> InternetSecure,
> BeanStream, Authorize.net, and others that I can't remember right
> now.
> They all have their pros and cons. A quick checklist of what to look
> for:
for India I have found Ccavenue a good bet - they only have php and java
interfaces, but there is an open source python interface which works
with django.
--
regards
KG
http://lawgon.livejournal.com
Coimbatore LUG rox
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Bill Freeman
<cliffor...@dinamis.com> wrote:
> You can use whatever you like as long as it has an API and documentation.
> We've used SecurePay (an Australian one), InternetSecure, BeanStream,
> Authorize.net, and others that I can't remember right now. They all have
> their pros and cons. A quick checklist of what to look for:
>
> * API
>
> * Documentation - very important
>
> * Test environment, a.k.a. sandbox - very important. Some have great
> restrictions on what you can do in that environment so pay attention to the
> details.
>
> * Which currencies will they process?
>
> * Which credit cards and which other payment methods will they accept?
>
> * Fees - the pricing is all over the place and like anything, volume will
> get you discounts.
And I can't resist recommending solutions that don't require your to touch
the credit card number. If you never had it, you can't be responsible for
compromising it.
Bill
CLIFFORD ILKAY
> And I can't resist recommending solutions that don't require your to touch
> the credit card number. If you never had it, you can't be responsible for
> compromising it.
That is true. Most of the payment processors have some sort of hosted
form solution for that. However, there are significant limitations in
those hosted form solutions that may make them unsuitable in some
situations. For instance, we ran into one such limitation recently on a
project where the processor apparently doesn't provide any sort of
"success" or "failure" notification for zero dollar transactions. Why
would you want a zero dollar transaction you might be wondering? Our
client was running a promotion where some initial period was free after
which the normal recurring fees would kick in. Normally, there is an
initial fee and recurring fees. Upon success or failure on the normal
initial fee, we'd get a callback to a view function from the payment
gateway which we'd need to complete the transaction. Completion of the
transaction consists of listing the product and updating the user's
dashboard with the transaction date and the expiry date for the listing.
With the zero dollar transaction, we never got a callback due so we
could do none of those things. We had to manually list the products and
update the user's dashboard for the successful transactions in that
scenario.
To avoid creating a situation in the future where there would have to be
tedious and error-prone manual processing, we recommended to the client
that they don't offer "free initial period" promotions but instead
charge some nominal amount, even if it's one cent. "All listings one
cent" doesn't have quite the same impact as "Free listings" even though
for all intents and purposes, it's the same thing. We've discovered many
other limitations like that, small and large, that really makes the case
for API-level integration, in which case you'd have to go through a PCI
compliance audit. By the way, we've been through it multiple times. For
the most part, it's perfunctory.
David Zhou
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Malcolm
help you compare and find merchant processors and gateways. It's
pretty neat because the merchant processors "bid" based on your
preferences and all of their pricing is transparent and easy to
understand.
As for gateway, I am going with Authorize.net for my project. PyPI
has an authorize package for API integration and my developer found a
django app at:
https://github.com/zen4ever/django-authorizenet
If interested in FeeFighters, please consider using my referral link.
https://feefighters.com/referral/d61fce3c6c274b38 :-)
Malcolm
On Mar 8, 6:43 pm, David Zhou <da...@nodnod.net> wrote:
> I use Braintree, and it's been great.
>
> -- dz
>
> On Tue, Mar 8, 2011 at 4:40 PM, CLIFFORD ILKAY
>
> > On 03/08/2011 09:59 AM, Bill Freeman wrote:
>
> >> And I can't resist recommending solutions that don't require your to touch
> >> the credit card number. If you never had it, you can't be responsible for
> >> compromising it.
>
> > hosted form solutions that may make them unsuitable in some situations. For
> > instance, we ran into one such limitation recently on a project where the
> > processor apparently doesn't provide any sort of "success" or "failure"
> > notification for zero dollar transactions. Why would you want a zero dollar
> > transaction you might be wondering? Our client was running a promotion where
> > some initial period was free after which the normal recurring fees would
> > kick in. Normally, there is an initial fee and recurring fees. Upon success
> > or failure on the normal initial fee, we'd get a callback to a view function
Micah Carrick
For Python/Django interfacing to Authorize.Net, Quantam, or PsiGate I
use quix.pay, which I also wrote: http://pypi.python.org/pypi/quix.pay/
In testing quix.pay, I found that the Quantam gateway in authorize.net
emulation mode isn't bad. You can choose Quantam as the "free" gateway
with CDGCommerce if you have a lower sales and want to save on the
monthly gateway fee that Authroize.Net charges. Quantam was just a
little slower to respond than Authorize.Net but still quite
reasonable. I've been working on adding Paypal Web Payments Pro and
PayFlow into quix.pay and they certainly do the trick but I still
prefer Authorize.Net.
On Mar 12, 10:32 am, Malcolm <malcolm.news...@gmail.com> wrote:
> I recently used FeeFighters and they have a really awesome setup to
> help you compare and find merchant processors and gateways. It's
> pretty neat because the merchant processors "bid" based on your
> preferences and all of their pricing is transparent and easy to
> understand.
>
> As for gateway, I am going with Authorize.net for my project. PyPI
> has an authorize package for API integration and my developer found a
> django app at:https://github.com/zen4ever/django-authorizenet
>
Venkatraman S
I have used Authorize.Net for years and don't have a single complaint.
For Python/Django interfacing to Authorize.Net, Quantam, or PsiGate I
use quix.pay, which I also wrote: http://pypi.python.org/pypi/quix.pay/
Micah Carrick
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