steve graber on thu 28 jan 10
i use these guys as part of the godaddy website and shopping cart.=3DA0 Inn=
ov=3D
ative Gateway Solutions:=3DA0 800-397-0707.=3DA0 =3D0A=3DA0=3D0Ahttps://mer=
chants.inn=3D
ovativegateway.com/portal/login_new.aspx=3D0A=3DA0=3D0Atheir system has me =
simply=3D
click a button to accept the charge, and it goes into the account with a u=
=3D
sual small % fee.=3DA0 i never see card numbers on sales people enter onlin=
e =3D
themselves.=3DA0 or i can do a manual transaction if i know the full number=
a=3D
nd the customer doesn't want to enter their card.=3DA0 it's very clean and =
ea=3D
sy for usa sales.=3DA0 =3D0A=3DA0=3D0Ai am finding though that these innova=
tive gat=3D
eway people, as well as my regular home bank, SUCK when it comes to dealing=
=3D
with international sales.=3DA0 people from canada, england, austrailia, ne=
w =3D
zealand need to put in a zip code of 12345 in order for the charges to go t=
=3D
hru.=3DA0 brazil, france, germany and who knows how many more it simply doe=
sn=3D
't work.=3DA0 telling people to input "12345" makes me look stupid and frau=
du=3D
lent in my mind.=3DA0 for a "small fee" of $75 a month they say they have a=
f=3D
ully international charge system.=3DA0 my regular bank is clewless on how t=
o =3D
handly such transactions.=3DA0 (JP Chase Morgan of course.=3DA0 i hope some=
one =3D
in clayart land works there and can explain why i spent an hour the other d=
=3D
ay telling my bank how i did it 3 years ago and asking if they can confirm =
=3D
how it's done today and what the fees are)....=3DA0 =3D0A=3DA0=3D0Apaypal d=
oes inte=3D
rnational transactions VERY well for less than 2% and my bank quoted me 20%=
=3D
for a new store's pending transaction=3DA0i just gained in ireland.=3DA0 f=
or a=3D
store transaction i had in israel 3 years ago there is a missing $15 that =
=3D
no one would own up to so i do not believe banks when they tell me up front=
=3D
what their fees are.=3DA0 =3D0A=3DA0=3D0Athe trouble with paypal is there =
still ar=3D
e a lot of people who do not use it.=3DA0 credit card payments online are g=
et=3D
ting more normal and people are opening up to the safety of it.=3DA0 so i'd=
s=3D
ay accomodating credit cards and paypal is a good way to go for now.=3DA0 =
=3D0A=3D
=3DA0Steve Graber, Graber's Pottery, Inc=3D0AClaremont, California USA=3D0A=
The St=3D
eve Tool - for awesome texture on pots! =3D0Awww.graberspottery.com steve@g=
ra=3D
berspottery.com =3D0A=3D0A=3D0AOn Laguna Clay's website=3D0Ahttp://www.lagu=
naclay.c=3D
om/blogs/ =3D0A=3D0A=3D0A=3D0A----- Original Message ----=3D0A> From: Jenni=
fer Boyer =3D
=3D0A> To: Clayart@LSV.CERAMICS.ORG=3D0A> Sent: Thu, Janu=
ary =3D
28, 2010 9:32:08 AM=3D0A> Subject: Website Shopping Cart Payment issues=3D0=
A> =3D
=3D0A> HI all,=3D0A> Long time no chat! I have a website with a shopping ca=
rt t=3D
hrough Mal's=3D0A> E-Com.=3DA0 Mal's collects Charge Card info through a se=
cure=3D
server. I take the=3D0A> CC info and manually run it through my charge car=
d =3D
swipe machine, using the=3D0A> phone lines. But recently there has been dis=
cu=3D
ssion of PCI compliance in the=3D0A> user forums and Mal's has announced th=
at=3D
they will no longer allow the=3D0A> recording of the CCV(3 digit) code on =
bu=3D
yers' cards since it is illegal to=3D0A> "store" them. I am going to eat th=
e =3D
increased % my CC Merchant Services Co=3D0A> will charge, since a manual sa=
le=3D
without the CCV is charged a higher rate.=3D0A> Anyone dealing with this i=
ss=3D
ue? I looked into switching to Paypal for=3D0A> payments, since Mal's has t=
ha=3D
t interface, but the cost is similar.=3D0A> Jennifer=3D0A> thpots@gmail.com=
=3D0A=3D
=3D0A=3D0A=3D0A
Jennifer Boyer on thu 28 jan 10
HI all,
Long time no chat! I have a website with a shopping cart through Mal's
E-Com. Mal's collects Charge Card info through a secure server. I take th=
e
CC info and manually run it through my charge card swipe machine, using the
phone lines. But recently there has been discussion of PCI compliance in th=
e
user forums and Mal's has announced that they will no longer allow the
recording of the CCV(3 digit) code on buyers' cards since it is illegal to
"store" them. I am going to eat the increased % my CC Merchant Services Co
will charge, since a manual sale without the CCV is charged a higher rate.
Anyone dealing with this issue? I looked into switching to Paypal for
payments, since Mal's has that interface, but the cost is similar.
Jennifer
thpots@gmail.com
John Hesselberth on thu 28 jan 10
On Jan 28, 2010, at 12:32 PM, Jennifer Boyer wrote:
> HI all,
> Long time no chat! I have a website with a shopping cart through Mal's
> E-Com. Mal's collects Charge Card info through a secure server. I =3D
take the
> CC info and manually run it through my charge card swipe machine, =3D
using the
> phone lines. But recently there has been discussion of PCI compliance =3D
in the
> user forums and Mal's has announced that they will no longer allow the
> recording of the CCV(3 digit) code on buyers' cards since it is =3D
illegal to
> "store" them. I am going to eat the increased % my CC Merchant =3D
Services Co
> will charge, since a manual sale without the CCV is charged a higher =3D
rate.
> Anyone dealing with this issue? I looked into switching to Paypal for
> payments, since Mal's has that interface, but the cost is similar.
> Jennifer
> thpots@gmail.com
Hi Jennifer,
I faced the same problem a year ago and went with PayPal. The problem is =
=3D
that you still have to be PCI compliant for your merchant account and =3D
that means having an audit of some kind. If you get your credit card =3D
info over the internet--which you do from Mal's and I used to also--it =3D
was going to be very expensive and a royal pain. I remember something =3D
like $250/year. You have to have your system scanned for interlopers =3D
periodically or some such thing.=3D20
If you only get credit card info by mail or phone or swiping, it is a =3D
multi-page questionnaire to fill out and $25/year. So I decided =3D
Mal's/PayPal was the lesser of evils.
I still keep my merchant account because our wholesale book =3D
orders--particularly international ones--usually come in by phone/fax =3D
and they want to use credit cards to ease the currency exchange problem.
So, overall, I expect you are going to have to accept some higher level =3D
of charges--I couldn't find a way around it and Mal's/PayPal has worked =3D
flawlessly. I get the order transmitted from Mal's and PayPal tells me I =
=3D
have been paid.
Regards,
John=3D
Jennifer Boyer on sat 30 jan 10
John, did you Merchant Services provider require this? I have heard nothing
from my company about this issue.
Jennifer
> I faced the same problem a year ago and went with PayPal. The problem is
> that you still have to be PCI compliant for your merchant account and tha=
t
> means having an audit of some kind. If you get your credit card info over
> the internet--which you do from Mal's and I used to also--it was going to=
be
> very expensive and a royal pain. I remember something like $250/year. You
> have to have your system scanned for interlopers periodically or some suc=
h
> thing.
>
> John
>
John Hesselberth on sun 31 jan 10
Hi Jennifer,
Yes, my merchant services provider required this, first with little =3D
notices on my monthly statement that got more and more persistent. They =3D
said VISA and MC were requiring this by sometime this year--don't =3D
remember the exact date.
So I suspect you will be hearing from them soon unless your provider has =
=3D
somehow managed to avoid it.
John
On Jan 30, 2010, at 7:39 PM, Jennifer Boyer wrote:
> John, did you Merchant Services provider require this? I have heard =3D
nothing
> from my company about this issue.
> Jennifer
>=3D20
>=3D20
>=3D20
>> I faced the same problem a year ago and went with PayPal. The problem =
=3D
is
>> that you still have to be PCI compliant for your merchant account=3D20
Eleanora Eden on sun 31 jan 10
My merchant acct provider forced this issue last summer and put us
through a big process. Now we have this "Trustwave" decal on the homepage
that is the seal of approval. In order to get it I had to go to Paypal for=
my
web transactions.
Best,
Eleanora
>Hi Jennifer,
>
>Yes, my merchant services provider required this, first with little notice=
s on my monthly statement that got more and more persistent. They said VISA=
and MC were requiring this by sometime this year--don't remember the exact=
date.
>
>So I suspect you will be hearing from them soon unless your provider has s=
omehow managed to avoid it.
>
>John
>
>On Jan 30, 2010, at 7:39 PM, Jennifer Boyer wrote:
>
>> John, did you Merchant Services provider require this? I have heard noth=
ing
>> from my company about this issue.
>> Jennifer
>>
>>
>>
>>> I faced the same problem a year ago and went with PayPal. The problem i=
s
>>> that you still have to be PCI compliant for your merchant account
--
Bellows Falls Vermont
www.eleanoraeden.com
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