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| There are many merchant gateways that can provide you service. Whatever you choose, remember… this is your money and YOU should KNOW what it is doing. If you already have a merchant platform for your business, it makes sense to expand that service to cover your web activities. You are already paying for it AND the integration is likely to be fairly simple. If your business can support a standard merchant interface, this will be the most reliable and seamless to integrate into your web activities. This usually involves a little software, a little program configuration and sometimes a little hardware installation. There are also third party processing houses that will process payments for you. If you go this route... make sure you are with a reputable company AND be prepared to do a little program interfacing if you expect your web site interface to be smooth working | HANDS OFF IS A NO NO… Be involved in your on-line payment process. If you have to rely on someone else to set this up for you it is BEST to go with a standard merchant service. Using merchant gateways in scenarios where you are delegating the integration and configuration to a 3rd party IS problematic. To configure a standard merchant account only requires the support of the service provider’s technical staff and reasonable abilities on the web. In contrast, most gateway solutions are clumsy and require program interfaces that may or may not work well. Another problem with 3rd party gateways comes as you may have to allow a 3rd party access to your personal account information. This may not be so bad if YOU actually understand and are in control of your gateway service. If on the other hand you do not know how it works you may give away the farm if the person helping you is not on your team. The bottom line with on-line payment is that your customer experience needs to be relatively seamless and your costs should be well under your average sustained sales. |