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Customer credit card info storage?

Discussion in 'Making Money' started by Viltedali, Jun 6, 2011.

  1. Viltedali

    Viltedali Regular Member

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    I'm having a site built, and the site I'm basically cloning has users enter their credit card info right on the site, so I guess I should too.

    I don't want to store their credit card info on my site however, in case it gets hacked.

    Is anyone using a service that will store sensitive info for you, and your site can access it when needed, when you need to charge them for your service?

    The cc info would be entered in by a user, but that info would go straight to the secure server and stored, not on my site.
     
  2. TheTRUTH

    TheTRUTH Regular Member

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    Most gateways do not store cc info.

    PayPal
    AlertPay
    2Checkout
    CCNOW
    Plimus

    PRetty much ALL payment proccesors store the information on their end
     
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  3. Viltedali

    Viltedali Regular Member

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    I didn't phrase the question very well.

    I'd like for a user to be able to enter in their cc info on my site once, not every time they pay for a service bought through my site. Plus, I don't want the user to have to be sent to p@ypal or whatever, I'd like for them to stay on my site for the transaction (I'll probably offer other pay options too though, such as p@ypal where they would have to leave my site to pay).

    I don't want to keep the info on my server however, as I'm afraid of getting hacked. So I'd need a secure server that stored the info, that my server could retrieve when doing a transaction.

    So, I guess I'd need a merchant account to proccess cc payments, but I'd rather store the cc info on a secure server, I guess from a provider of secure info storage that can be accessed by my site when a user wants to use their cc to pay for something on my site.
     
  4. zebracross

    zebracross Registered Member

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    That's risky business.. I prefer use paypal api (paypal X) for this, godaddy use it, once you use a paypal account with them (backed up with cc) go daddy can keep the "token" not the cc info, with this token they can charge you and keep you from filling paypal detail
     
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  5. arasferra

    arasferra Registered Member

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    Most gateways support these. Authorize/Chase Paymentech Orbital are two that i can think of quickly.

    With these gateways you basically pass the credit card info once, they profile it, send you a unique id. You save that into your system. Everytime you need to charge that same customer, you just pass the ID and amount to be charged.

    It is called Profiles in Orbital, and AIM or SIM (i think?) in Authorize.net
     
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  6. etrader

    etrader Regular Member

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    You have so damn right ! never store cc infos in your databases..