Getting Started with Online Payments
If you are planning an eCommerce website, you will need a 3 important items before you can launch your eCommerce store:
- An SSL Certificate
- A Payment Gateway
- A Merchant Account
An SSL Certificate secures your customers personal credit card data and transaction details as it gets passed to your payment gateway. The security is expressed in bits, all SSL certificates we offer are double standard encryption at 256bit encryption.
A payment gateway acts as an intermediary between your website and your bank. The gateway handles the authorization of the purchase, and does so by first checking the credit card information provided by your customer, and then verifies that the customer's bank account has funds available to make the purchase. Once that is completed, a response code is passed back to your eCommerce cart for approval (or disapproval) and your customer gets to buy what is in their online shopping cart.
Your merchant account is necessary in this process because the gateway passes the transaction and credit card details off to your merchant account where the credit card is actually processed; usually the processing occurs at the end of the day in what is called a batch. Very soon after that, your merchant account releases the money into your business bank account.
Sign Up For a Payment Gateway & Merchant Account
We work exclusively with Authorize.net for both Payment Gateways and Merchant Accounts. They have consistently provided our clients with the higest level of service and support which is why we resell for them. You may obtain a merchant account from any provider, including your bank, but we strongly encourage you to consider Authorize.net.
You can access Authorize.net's online payment gateway/merchant account application here. If you have any questions, please do not hesitate to call us at (518) 842-3242.
If you would like to discuss eCommerce payment gateways, sign up for a merchant account for your website or have further questions, please fill out our brief contact form or call us at: (518) 842-3242.