Web payment processing

[gregulator]

So I am working on a website in Adobe Flex that allows users to customize goods and want the customers to be able to order within the interface as well. This is what I want:

1) User customizes items, and adds them to cart
2) User proceeds to checkout to order items
3) Checkout is secure, and is at my own site, not redirected to Paypal or something that doesn't look professional.
4) User adds credit information and submits
5) Credit card merchant account or whatever verifies information and order
6) User gets confirmation

I do not want to hold any credit information or anything, I would feel much more comfortable having a processing house take care of it. But I would like the ordering/credit page look like it is integrated into my site, not a referral to another site (that always seem cheesy and unprofessional, especially to PAYPAL!!). Any suggestions, information, or tutorial links would be greatly appreciated. Thanks guys!

 

[EricMartello]

Originally posted by: gregulator
So I am working on a website in Adobe Flex that allows users to customize goods and want the customers to be able to order within the interface as well. This is what I want:

1) User customizes items, and adds them to cart
2) User proceeds to checkout to order items
3) Checkout is secure, and is at my own site, not redirected to Paypal or something that doesn't look professional.
4) User adds credit information and submits
5) Credit card merchant account or whatever verifies information and order
6) User gets confirmation

I do not want to hold any credit information or anything, I would feel much more comfortable having a processing house take care of it. But I would like the ordering/credit page look like it is integrated into my site, not a referral to another site (that always seem cheesy and unprofessional, especially to PAYPAL!!). Any suggestions, information, or tutorial links would be greatly appreciated. Thanks guys!

Merchant Account: Nice to have, but hassles with support and inconsistent fees
Paypal: Website Payments Pro (I use this, it's good, decent API and fully transparent)
Moneybookers: have a merchant option and API tho never used it

That's pretty much your top 3 choices for accepting payments.

 

[Argo]

These options might be expensive, but Checkout by Amazon and Google Checkout are worth a look.

 

[gregulator]

With Paypal, do you get redirected to their site, or can you pass the information from my site to theirs (probably requires SSL for security). Or if it is a Paypal page, can you rebrand the purchasing page with your own company logos? I have read a little on PCI compliance and I really don't want to deal with storing any credit card information, but I would like the user to enter this information in a page that looks like it belongs to my site. Redirection to another site to pay always seems shady to me, and feels unprofessional. Thanks.

 

[EricMartello]

Originally posted by: gregulator
With Paypal, do you get redirected to their site, or can you pass the information from my site to theirs (probably requires SSL for security). Or if it is a Paypal page, can you rebrand the purchasing page with your own company logos? I have read a little on PCI compliance and I really don't want to deal with storing any credit card information, but I would like the user to enter this information in a page that looks like it belongs to my site. Redirection to another site to pay always seems shady to me, and feels unprofessional. Thanks.

If you use Website Payments Pro ($30/mo) paypal acts just as a merchant account - it is completely transparent and the user never leaves your site. In fact, it is better than a merchant account because the fees are predictable and reasonable. I used to use a standard merchant account with authorize.net but I ditched them because of excessive fees and crap support. It is not a bad thing to offer Paypal as a payment option either. A lot of people use it as well and don't mind the redirection. You can also offer Google Payments but I never liked that one.