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Updated on October 30, 2012 by borjuis
Views: 12461 | Clicks: 744

Categories:
Card processing, E-wallet, Merchant, Money transfer

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General Information

Card Processing Services Credit card processing online is now easier and more affordable than ever before, using Payment Online's credit card processing software and services. Consumers and businesses never had it this easy and convenient to pay bill online and charge for their fees and process in automated that is quick and easy - and may we add, very very affordable. Today, one of the leading premier mobile credit card processing companies, Payment Online offers the most affordable wireless credit card processing services (mobile phone credit card processing for iPhone, Blackberry, and other web-enabled phones) as well as an excellent Mobile Internet merchant account services through one of our bank affiliates. Although Payment Online does not offer merchant accounts directly, we do bring you the best merchant account rates for mobile merchants, Internet, and retail merchants through highly ethical merchant account providers and merchant banks. First, we do not get any kick-back from these merchant account providers, and second - we only deal with highly reputable merchant account companies that provide a good service, without hidden fees, and no freezing of merchant's money into "reserve" accounts.   Retail, Internet, Mobile (Wireless) Merchant Account Providers and their Rates and Fees: If you don't already have an Internet Merchant Account, Retail Merchant Account, Mobile Merchant Account (also know as Wireless Merchant Account) then you can contact us or contact the following merchant account providers. We search daily to bring you the lowest merchant account rates offered by the most reputable merchant account providers: Current Best Rates Offered By Merchant Account Providers ( Please consult with the providers directly for additional pricing information/details ) Date Of Pricing Merchant Account Provider Internet Discount Rate Price Rating Service Rating Aug 25th 2011 eComAvenue.com | Payment Gateway Included | Mobile Merchant Accounts 1.82% Aug 24th 2011 SecureTrans.com | Payment Gateway Included | Wireless Mobile Merchants 1.89% Aug 25th 2011 PhonePayment.com | iPhoneCreditCardProcessing | Mobile Merchant Accounts 1.84%   Guaranteed Lowest Prices Without Sacraficing Quality, Service, or Features and Funcationality Our prices are based on our award winning products and solutions designed and developed more than a decade ago, standing the test of time - without any middle-man fees or nonsense charges. But most importantly, we make it all hassle-free. Whether you are paying bills online one-time, or recurring billing for subscriptions or memberships, or you are merchants collection online for your products and services, we have put together sensible and hassle-free services that make your life a little easier. Credit card processing online has always meant to bring convenience for both consumers and online merchants but until now it has been somewhat cumbersome to adopt and implement within a bill paying system that demands flexibility for consumers and online merchants. Payment Online's powerful and flexible Credit Card Processing Services and the Recurring Billing System offer unmatched credit card processing with recurring features and billing functionality. It is fully compatible for integration and offers scalable configuration for recurring billing intervals, billing cycles, and reporting.   For online business that wish to accept credit card online and add merchant processing functionality to their Website, Payment Online's payment system can be quickly and easily integrated with your website and turn it into a Professional-looking, secure, and reliable ecommerce storefront that includes: secure online credit card processing, payment gateway, Internet merchant account, and ecommerce shopping cart software, and more. Payment Online's solutions are different from other systems in that everything you need is integrated into one solution which saves you a lot time, money, and hassle. Ecommerce solutions, software, services, payment gateway, Internet merchant account, setup, testing, ecommerce hosting, security, and reporting are all ready-integrated so you can start right away and have a dependable ecommerce service provider with an impeccable track record supporting your ecommerce infrastructure and Website 100%, anytime of the day or night. Online Ecommerce Our business philosophy is very simple: to provide high-quality, affordable products and services for our clients. This is what we do, and this is all we do. We are not all things to all people on the Internet. We are an ecommerce provider. That's what we have always been. Our Clients Since 1997, Payment Online has delivered ecommerce solutions and services for almost every kind of industry, marketplace, and product/service type you can imagine. Contact our staff to discuss your specific needs and see what we can do for you.  

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all countries

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Integration approaches

One of the most powerful ecommerce solution is the seamless ability to integrate the your Web site with Payment Online's Transaction Processing and Payment Gateway Servers. This is done using the API Direct Connect Interface that allows you to keep the look and feel of the site AND have ample scalability for the future without having to use external links. The API ecommerce solution is ideal for integrating an existing back-end database for your order processing and customer management with your secure Internet server (or hosting), then all you need is to directly connect to the Payment Online processing servers through https POST method (or server-script). You directly connect through your own order pages or scripts. The API offers direct connection methods that can be used for connecting via simple html order pages, or for integrating into software or more complicated back end systems. The process is straightforward. On your Internet servers (where your web site and order page is hosted), orders are placed by your customers. The customer order information is stored by your back-end database solutions that you have implemented. The transaction information (credit card type, name, number, date of expiry, total amount, etc.) is POSTed (or server-script submitted) securely to Payment Online processing servers. Our servers will then process the transaction through the banking networks and proceeds from sales are deposited to your business bank account within a couple of days. At the most basic level, API is used by constructing an HTML form, which does a POST to https://secure.paymentonline.com/cgi-bin/security-audit/transaction.cgi (Please only use the secure URL provided for to you at the time of setup of your account - and not the one shown above). In the HTML form, there will be a number of fields that give the Transaction Server the information needed to process the transaction through the banking networks. Some fields are required, and some will be optional depending on what options you wish to implement. Depending on what result is expected from the transaction, the payment gateway will send back a response, which indicates whether the transaction was approved or declined. The API ecommerce solution provides a number of options for formatting the response, depending on what your exact needs are. In contrast to most other transaction servers and payment gateways, the Payment Online system tracks the individual items in the order. When you look up a transaction in the Online Order Management tool that you receive with your ecommerce service, you will see all the items that were ordered and the cost for each item. There are many reason why a company that already has the back-end servers and the technical staffing would use Payment Online downloadable transaction processing servers. Firstly, there is no need for you to store and retain credit card numbers of your customers and add fiduciary responsibility to your operation. There is also the fact that developing an application software platform is no easy task and requires experience and know-how. Even with experience and knowledgeable technical staff, it takes years to develop a comprehensive, reliable, secure, fully functional feature-set, tested, and proven platform with integrated payment gateway and protocol exchange servers. Of course, the main reason for using Payment Online API connection to the Payment Online processing servers is the unmatched functionality and feature-set for a platform of its type. Which receives constant addition of features and functionality to remain years ahead of competition. Below we have provided for you some of the flexible implementations that our customers have adopted to cater for their business model or marketing strategy. For instance, let's say that you want to charge for your software on a recurring-fee basis, which is fast becoming the most popular way of selling software on the Internet. For any recurring transaction, there are always 3 fields that are required. They are recur_billing, bill_cycle, and num_cycles. These are the minimum needed to process a recurring transaction. There are many other optional fields, the use of which depends on what type of recurring billing implementation you desire.   How do we save you lots of time, money, and hassle? We provide you with a complete solution that has everything already integrated for you - therefore avoiding technical nightmares and integration problems. Normally, developing ecommerce in-house or off-the-shelf requires the purchasing of secure Internet servers, digital certificates, ecommerce software, back-end databases, monitoring software, security systems, payment gateway platform, and a range of computer and networking hardware. In addition to the purchase of required software and hardware, there is staffing cost for design, development, management, and maintenance of these complex systems. Individuals with this type of expertise do not come cheap. There is also additional monthly costs of co-location hosting, bandwidth, secure building, and other costs due to delay in development, time-to-market, etc. But Payment Online's digital download ecommerce solutions provide every feature you need without the nightmare of integration and with a price tag that meets your budget. One of the most flexible e-commerce solutions available. Seamlessly works with your existing Web site design. Comprehensive transaction processing with almost unlimited scalability. A completely integrated solution on powerful back-end application servers. Real-time online credit card processing. Integrated Internet merchant Account (2.15% Visa/MC rate in most cases). Integrated Payment Gateway connection to the credit card banking network. Integrated SSL secure connection to Transaction Servers. Up to 100 Mbps bandwidth with one hop to the Internet Backbone. Carrier-class Data Center for Transaction/Recurring/Internet/Database Servers. Secure Online Management Tools for transaction/downloadable management. Security AVS (Address Verification System) Settings availability. Security CVV2 (key code at the back of credit cards) availability. Easy to use CRM (Customer Relations Management) functionality. 10 different ways to produce quick sales/marketing reports. Search customer database for customer name, address, orders, e-mail, etc. Download customer database in text format and import to MS Excel. One-click transaction history report of a customer/Member. One-click Virtual Terminal for manual sales processing. One-click Virtual Terminal for issuing credits. Technical Support and Customer Care Services. Businesses and companies can avoid all the expense associated to the initial costs and ongoing maintenance by using Payment Online's affordable ecommerce solutions and services. Payment Online solutions and services are based on our proven and tested ecommerce platform so that businesses and companies can avoid all the costs associated to developing a complex ecommerce, and then spending astronomically to have high salaried staff maintaining these software, hardware, security, bandwidth, and networking systems. Our technology is compact enough to meet the needs of small businesses without an IT professional or department, yet scalable enough to allow future growth to as far as, a large scale ecommerce enterprise with an IT department and a professional team of developers building a comprehensive enterprise-level business management system. However, at each step of our clients' growth, they only spend for the modules they need and use, and not more.

Information for developers

Payment Online provides professional Website design services, for all types of requirements, from high-traffic commercial Websites for Fortune 100 companies to small blog sites for individuals and personal use. We are able to provide your company or business, large or small with a range of options to ensure we can create the Website that best meets your requirement. Our Website prices start from only, $299 for a basic Website. However, we are known for having developed very advanced marketing Websites which include features like: Website design and development Update or redesign of existing Websites Ecommerce hosting Domain name registration Database driven Websites Custom graphics and artwork and logo design Custom PHP programming Shopping cart design and custom integration Banners, ads, marketing content development Chatroom design, development, and hosting Advanced real-time Website statistics and traffic tracking Advanced FORMS for 'contact' page and marketing/promotional strategies Custom programming Testimonials and feedback module Join newsletter module Community features Membership module (with member username and login) Mulit-language Websites Content management Customer relationship management module Website administration tools for easy management and reporting Marketing analysis, tracking, and cost tracking News, RSS Feed, and content integration and feed Content aggregation and syndication Polls Invite or send page to a friend Blog integration Forums/Message Boards/Bulletin Boards Adobe FLASH Animation design and so much more ...

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