How does collecting payment online work?
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Last Updated:
December 29, 2008 4:43 PM
Quick Shopping Cart allows you to collect payment from your storefront customers via a variety of methods.
- Credit Cards
- To accept credit cards, whether online through a payment gateway or offline through your point of sale (POS) terminal, your storefront must be protected by a 128-bit SSL certificate.
- Credit Cards with Online Processing
- To process credit cards online so that the money is deposited automatically into your bank account, you need an SSL Certificate for your online store, a payment gateway, and a merchant account. Payment gateways authorize the transaction and handle how the funds move from a credit card account to your bank. A merchant account is essentially your business account where the money is deposited.
Quick Shopping Cart integrates with five popular payment gateway providers: Authorize.net®, Velo®CT, Chase Paymentech®, and Intuit QuickBooks Merchant Service®. For more information, see Using a Payment Gateway.
When customers use a credit card to purchase items from your store, payments are pre-authorized. You must manually accept the payment from the Order Details screen by clicking Capture Funds. - Credit Cards Offline through a Point of Sale Terminal
- To process credit cards offline (manually) through a Point of Sale (POS) credit card swipe or number entry terminal, you need an SSL Certificate for your online store along with the POS credit card terminal and an account with a card processing company. For more information, see Using a Point of Sale Terminal.
NOTE: Current credit card regulations do not allow us to store the Card Verification Value (CVV) codes with credit card information in our database for use with Point of Sale transactions. For more information, see Why can't I capture the CVV code for credit cards for Point of Sale transactions?
- PayPal®
- You can start accepting credit card payments instantly with a PayPal account. Using your PayPal account, you can also accept PayPal Wallet funds from customers. With PayPal, you are not required to have an SSL Certificate, payment gateway, or merchant account. Signing up for a PayPal account is free and easy, and there are no setup fees or monthly charges. You are responsible only for the transaction fees, which are currently as low as 1.9% + .30 per transaction. For more information, see Using PayPal.
- PayPal Express®
- PayPal Express® is a payment solution that seamlessly integrates with your existing Quick Shopping Cart checkout process. Your customers proceed through your checkout path and are directed to the PayPal site to complete payment and are then returned to your site. Customers can use a new or existing PayPal account and keep their credit card information on PayPal's Web site. For more information, see Using PayPal Express.
- Chase Paymentech®
- Chase Paymentech® is an automated credit card payment gateway that integrates with your existing Quick Shopping Cart account, allowing you to accept credit card payments through your storefront. You must have an SSL certificate attached to your account to use this payment gateway and accept credit cards online. When customers use a credit card to purchase items from your store, payments are pre-authorized. For more information, see Using Chase Paymentech.
- Cash On Delivery
- Collecting money through the tried and true "Cash on Delivery" method is simple and a great option for customers who are unable, or unwilling, to provide credit card information online. For more information, see Using Cash on Delivery.
- Purchase Orders and Personal Checks
- Quick Shopping Cart provides a "Print and Call" option that lets customers print their order and then call you to arrange payment. You can then open the order and enter the payment method and terms that you and the customer have agreed to. This option is a convenient and flexible way to enable you to decide specific payment terms on a case-by-case basis with your customers.