We have a company in  Ghana and we sell clothings and some other
things ,but now we want to be online so we will need a site with a
oftware we can use to be verifying any credit card number and the
amonut in it to afford any fraud in our customer spending bad card for
us.So if you can direct me to any site we can get this  would
greatful.

<There are a number of companies that provide the necessary services
to allow businesses in Ghana to process credit card payments online.
These companies are in contact with the credit card companies and will
check that the customer has sufficient funds to make the purchase and
that the card used has not been reported lost or stolen. Some
companies also provide additional software that helps to detect
fraudulent purchases.

Internet Secure.
Internet Secure offers credit card processing services in 84 countries
including Ghana. The company has a good reputation with approval from
9 major North American financial institutions.

It allows you to accept the four major credit cards – Visa,
MasterCard, American Express and Discover.

It takes 10-15 seconds for authorization (checking that the buyer has
sufficient funds on their card to make the purchase) and fraud
detection.
They have a low rate of charge-backs of 0.49%.
The money can be wired to a bank account in Ghana in a currency of
your choice.
http://www.internetsecure.com/
Services include ‘Verified by Visa’ which verifies the card holder’s
identity.
http://www.internetsecure.com/vbvfeature.html 
Security features
http://www.internetsecure.com/is_security.html
Prices
http://www.internetsecure.com/prices.html


World Pay.
WorldPay offers international merchant accounts. Businesses trading in
Ghana are accepted. They charge a set up fee and a percentage of the
transaction for credit card processing. They are currently offering a
website and processing services for £399.00. The Usual price is
£560.00.
Credit cards and payment types accepted include Visa, MasterCard,
Switch, Laser and Electron and more.
They offer a service called WorldAlert which examines the purchase for
fraud. If a fraud is suspected then the transaction is stopped.
Transaction charges for payment processing are 4.5% on credit cards
and £0.50 for debit cards. WorldAlert costs £0.06 per transaction.
Pricing
http://www.worldpay.co.uk/sme/index.php?go=smesuds_pricing
Starting up
http://www.worldpay.co.uk/sme/index.php?go=sme_startingup
Home
http://www.worldpay.com/

VeriSign.
Offers a choice of payment processing packages. 
http://www.verisign.com/products/payment.html


PaySystems.
PaySystems offers payment processing to international businesses.
They provide a free shopping cart and free catalogue systems. The set
up fee is $49.00.
Fees are from 3.95% and $0.35 per transaction.
Credit cards accepted include Visa, Mastercard, American Express and
Discover.
http://www.paysystems.com/

2Checkout.
A set up fee of $49 is charged.
Costs are 5.5% of the transaction amounts and $0.45.
They offer a free shopping cart.
http://www.2checkout.com/

Example site
http://www.2checkout.com/cgi-bin/mall/displaysite.pl?siteurl=http://www.kitshops.com


Instant Store
Instant store offers ecommerce shopping solutions which can be
integrated with the payment processing software from IntenetSecure,
Worldpay, Versign, Paysystems, 2Checkout and others. The software
allows you to build your own store from a selection of templates.
Prices start from $49.97 per month.
http://www.instantestore.com/pricing.cfm>


<Additional links:>

<StoreFront>
<http://www.storefront.net/>

<Merchant credit card fraud.>
<http://www.wiscocomputing.com/articles/ccfraud.htm>

<The Early Warning Scheme 
Offers a searchable data base of credit card fraudsters.
It costs £49.00 per year.>
<http://www.early-warning.org.uk/index.asp>


<Search strategy:>

<"ecommerce software" reviews>
<://www.google.com/search?hl=en&lr=&ie=ISO-8859-1&q=%22ecommerce+software%22+reviews>

<"credit card authorization software" >
<://www.google.com/search?hl=en&lr=&ie=ISO-8859-1&q=%22credit+card+authorization+software%22+>

<"international merchant accounts">
<://www.google.com/search?hl=en&lr=&ie=ISO-8859-1&q=%22international+merchant+accounts%22>

<"merchant accounts" ghana>
<://www.google.com/search?hl=en&lr=&ie=ISO-8859-1&q=%22merchant+accounts%22+ghana>


<Hope this helps.>

You will soon know as you process a transaction whether or not the
amount has been authorised.

There is no way that any retailer can find out the balance available
on any card and, indeed, it is not relevant.

However, notwithstanding the authorisation, if the card has been
stolen or compromised then you are likely to be charged back for any
fraudulent transaction.