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shopping carts, merchant accounts, and checkout

Discussion in 'BlackHat Lounge' started by lloughry, Apr 4, 2013.

  1. lloughry

    lloughry Regular Member

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    One of my sites lends itself very well to selling advertising on it directly as opposed to adsense or what have you. I set up a merchant account and they sold me authorize.n3t, the gentleman told me it would be my shopping cart solution on my website. It's not

    authorize.n3t told me I need it to talk to the merchant account, though I was provided terminal ID's and such by them. So I am wondering, having not looked at shopping cart solutions yet. What exactly does authorize.net provide for $30 per month? Seems a bit of a scam to me?
     
  2. synconlinemedia

    synconlinemedia Newbie

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    There are alternatives to Auth.net.
     
  3. Zapdos

    Zapdos Power Member

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    For ecommerce there are several things you need:

    1) Bank account. Provided by your bank.... Used to store your money...
    2) Merchant account. Most people get one from their bank, but there are 3rd parties. This is needed to accept CC transactions on your site using a CC processor. One is not needed for Paypal CC transactions.
    3) CC Processor (not actually needed.) This is used to process CC transactions on your site. This requires both #1 and #2. This is what authorize.net is, a credit card processor. They have many methods and integrations of payment with shopping carts.
    4) Paypal. Lots of people use it so its pretty much required now.
    5) A shopping cart. Anything authorize.net can provide will be inferior to 3rd party options. For these you can go with free solutions like Prestashop, Opencart, Magento. Prestashop is my favorite currently. Doesnt require tons of resources like Magento and has better functionality/mods than Opencart.
    6) An integration to Authorize.net for your shopping cart. There are several methods as mentioned before. Some provide an integration for a one page checkout which allows them to enter all their information on one page. This mod will probably cost $100->$300 but is worth it.


    Also, if you plan to use a CC processor like authorize.net you will normally be required by your merchant account to use a PCI scanning service. It scans your site and server for vulnerabilities which you have to fix to avoid higher fees. This costs between $250 and $1250 a year.
     
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    Last edited: Apr 11, 2013
  4. lloughry

    lloughry Regular Member

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    zapdos thanks for the very detailed answer, that is exactly what I was looking for +rep given.