What is E-Commerce?
Simply it's the buying and selling of goods and services across the
Internet. It can be as simple as a catalog with an order form, or it can
be as sophisticated as sites such as Amazon.com.
What Do I Need for E-Commerce?
If you are a small to medium size business, here is one example of
steps to e-commerce.
1. Create Your Web Site and Online Store.
2. Call and we will explain the different options that technology has to
3. After you understand the different options, we can assist you in
making a wise decision.
Off-line Credit Card Processing
The easiest and the most affordable way of processing credit cards is
an off-line authorization and settlement process. Your customers'
credit card information is captured and securely emailed to you
directly, in most cases we also keep a copy of the transaction in case
there is ever a question. Once you receive the email it can be manually
authorized through a traditional card
swipe terminal or through a computer. If you are looking for something
more automated, you
may want to consider our real-time payment processing option.
IMPORTANT: If you already have a merchant
account number from
your existing business, you should be aware of the following.
Depending on the type of merchant account you have, Internet
transactions may not be acceptable to your merchant account bank.
Internet transactions are considered "card-not-present" and you may
need to obtain a merchant account specifically designed for such
Real-time Credit Card Processing
A customer comes to your online store. Purchases your product and
enters the credit card information...What next? Here is what happens if
you have real-time payment processing:
1) Credit card information is sent over the Internet (securely) to
your online payment processor.
2) Your online payment processor in turn contact the card's
issuing bank over the private financial network.
3) Your online payment processor returns approved/declined
notice to your customer who is still at your online store.
4) Typically, both you and your customer receive email
notifications of the transaction with tracking numbers.
If you want to accept credit cards, you need a Merchant Account. If
you already have a Merchant Account, you can use your existing
account to accept credit cards for Internet transactions. This will work
fine if you wish to do off-line payment processing as described above.
If you wish to add real-time payment processing or you are a new
merchant, you need to apply for an "Internet enabled" Merchant
Account. Each Merchant Account provider has different rates and
different solutions. We will assist in your automation process.
Merchant Account and
Real-Time Payment Processing?
Yes, click here for details.