Re: Credit Card transactions

on 7/27/00 10:55 AM, Glenda R. Snodgrass at grs@theneteffect.com wrote: > The method of processing depends primarily on who you sign up with > (Authorize.net, Cybercash or Signio/Verisign). Very true. The performance of each system can vary widely--its important do do your research now. > Authorize.net seems to be the easiest to integrate right into your > PHP-based shopping cart, as you can do a simple post to a page on their > site, or post the data and get a return value that you can then parse with > PHP to complete the order. I think it's also the cheapest. This is true, however, to make a secure connection one typically needs to use a third party application like cURL. Essentially this is what Signio's pfpro client does for you. > Signio/Verisign has their own software, PayFlo and PayFlow Pro, which got > some good reports from users, but it seems to be the more expensive of the > three options. Signio provides both PERL, Java (JNI) and binary versions of the client. It runs on anything for the most part. One important feature of Signio is that the average transaction time is like 2.5 seconds. I will post some 'benchmarks' at some point as an FYI. And so far it seems like they are delivering on that (however the site we are using Signio for is only in development/testing). That was very important. The documentation is also exactly what I want. Signio seems to be the highest performing, most developer friendly of all the companies I researched. Also depending on what Signio reseller/merchant you go with you may not have any per transaction fees. Which makes it very attractive to larger deployments. I would strongly suggest whatever decision anyone makes, definitely put price at the bottom of the list. To put it in perspective: lets say you spend 1 hour a month troubleshooting time outs, or even manually processing orders. Just 1 hour (and I assure you that if you make the wrong decision it will be way more than that) spent will cost you ~$100. That is well more than the price difference between any of the CC transx companies. Not to mention the lost revenues do do slow/shoddy setup. Or say you loose one $50 sale. That is enough to cover the difference. I am not trying to say money is no object, just that it should be an *extremely* low priority when making the decision. Cheers, -k