Forums: Discussions for entrepreneurs and small business.

Gladys,
It all depends on what you are trying to accomplish. But let me tell you that fraud protection is not part of the payment processor, in order for you to avoid fradulent transactions from happening you need to secure your web site with an SSL secure socket Layer. What an SSL is, is a data encryption method used to secure credit card numbers and buyers information through a web site.
You can purchase an SSL in 128-bit encryption and 256-bit encryption the higher the encryption the better.
Once you secure your Ecommerce site with an SSL, then you can get a Payment gateway, and back it up with Maxmind Credit Card Fraud Prevention.

As for the charge-backs there is not much you can do since the customers are going to do what they want to do. I don`t know if you`re selling services or goods. But they only way you can protect yourself is through UPS and FEDEX assuring that they deliver the packages.
From some of my customer`s experience, thats one of their biggest problem people order $300.00 dollars worth of stuff, receive the goods then turn around and call their credit card company saying they didn`t get the items. So what they are doing now is calling the customer, they tell him that the items are on their way, and they follow up to see if they recieved the items.
But they do not say did you receive the items, they call it a customer service call.




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Edgar Monroy
Web Developer / Owner / Consultant
When starting your own business the need to "know-how" is greater than money!
http://www.nuevolution.net

I`m going to be using authorize.net for my payment gateway for farmer`s markets and fairs.  I`ll be doing delayed transactions, and I guess they treat that the same as internet transactions without having the card right there when the charge is actually being made.

Also...if I might plug a cool company... Dharma Merchant Services is who I`m using.  The owner is one of the guys who actually spearheaded authorize.net and they are completely run on wind and solar power!  Definitely one to check out amidst your research if you don`t already have a merchant account as well.



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Barkwheats Dog Biscuits
-all natural, maine-made buckwheat dog biscuits

I`ve worked with Authorize.net and It works pretty nicely.


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The Small Business Loan and Business Loans expert.

To make things easy, you could try paypal.


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The Small Business Loan and Business Loans expert.

My experience with Max MInd Credit fraud is that it`s affordable and most of all, it authenticates the end user that enters their credit card number. So let me give you an example.
When you place an order you have to provide your Telephone number, Max mind generates a 4 digit code, it dials your number automatically and you enter the 4 digit code. Once you do that, you`ve just digitally signed that you are the authorized user and that you actually live at the address.
If your phone doesn`t ring, then it automatically locks you out and you can`t proceed to checkout. And you get banned from the site because it records your IP..
I`ve used it a few times myself.


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Edgar Monroy
Web Developer / Owner / Consultant
When starting your own business the need to "know-how" is greater than money!
http://www.nuevolution.net

Your delayed transactions are called an "authorized purchase", there are three types of Credit Card transactions.
1. Charge -which charges you right away (you can use this for a service or tangible good)
2. Authorized Purchase - you set the funds aside until you deliver or ship the item
3. Recurring Payment - Charges your customers every month

From what I understand, Authorize.net does not allow you to do that. Link Point allows you to have the following three implementations.
1. Virtual terminal - you access your POS via internet browser and create the ticket
2. API - You integrate it into your shopping cart, which most carts have the feature
3. LinkPoint Central - You create a button on your site, and you simply link it to your central POS, it`s like using paypal, the only difference is that you are charging through a CC processor instead of Pay Pal.

BTW.. why would you plug someone that we haven`t heard of? when you say he speared Authorized.net, what exactly do you mean? Did you know that Authorize.net was bought out by Pay Pal?
I would suggest going with Linkpoint instead of Authorize.net, Linkpoint has better customer support 24/7. Go get your free account
All sign up fees have been waived! You pay $0.00 set up fees.


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Edgar Monroy
Web Developer / Owner / Consultant
When starting your own business the need to "know-how" is greater than money!
http://www.nuevolution.net

I`ll second the suggestion on MaxMind - their services are quite good, and reasonably priced.

Another suggestion if you`re doing recurring payments is Braintree Payment Solutions - unlike other gateways that require you to store cc information locally to use each time you process a charge, Braintree stores all the sensitive data in their secure, PCI-compliant infrastructure, and you just use essentially meaningless tokens to request charging of each customer as needed.  No more having to worry about PCI compliance issues with your own infrastructure.