I am looking for a internet merchant account for e-commerce on my
upcoming web site. We need to be able to accept all major credit
cards. In the past I have used Verisign and Wells Fargo and it worked
out okay. The only issue with Verisign was that the programming
requirements where taxing. I am wondering if there is a better company
to work with than Verisign who offers better support for the
programming interface. I would appreciate hearing of anyone's
experience in utilizing different e commerce solutions like Kagi, etc.

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Request for Question Clarification by netcrazy-ga on 02 Jul 2002 11:12 PDT

Hello,

Are you looking for a merchant who can take CC payments on your behalf
and you'll just have a link to that merchant on your site or you want
to integrate the CC system with your site.

Please clarify so that that I can answer you precisely.

Thanks
netcrazy

Hi,

Your question focuses mainly on the programming interface that the
merchant account has, but I'm sure price is also concern.  after a
brief search, I found a ranking chart of various cheap merchant
accounts ( http://www.the-merchant-account-advisor.com/cheap-merchant-accounts.html
)  all of which accept the major credit cards.  this chart doesn't
mention programming interfaces, so I'll put what I found below:

1.  http://www.merchant-systems.com/
    Has 5 lines of html to add to your website to enable transactions,
and some of the lowest fees on the chart I mentioned above.

2.  http://e-merchantaccounts.net/
    Has more options than you'd want me to detail here, including
Verisign and Authorize.net.  I'd pick this one if I plan on starting
small and expect to grow gradually.  They have options for under 1000
transactions a month, up to huge e-commerce sites.

3.  http://www.1emerchant.com/e-commerce.html
    I couldn't find details about this site's programming interfaces,
but they do have a module to plug data into the popular accounting
package, Quickbooks, so if you use quickbooks, I'd recommend looking
further into this company.

4.  http://www.imarketing-agency.com/merchant/index.html/internet.html
    This website was hard to find information on, wasn't very well
organized, I wouldn't recommend them.

5.  http://www.creditcardcommerce.com/PaymentGateway.html
    A similarly simple programming interface to no.1, but has some
extra features like PalmOS compatibility. Setup fees are a bit higher
than most.

6.  http://www.merchantexpress.com/internet_credit_card_processing.htm
    Handles all major cards, has 3 different options for real-time
card processing, each with various degrees of programming difficulty. 
fees aren't the cheapest, but are reasonable.

7.  http://www.merchant-accounts.com/rates.html
    This site doesn't appear to support Discover card, and the setup
fees are a bit higher than some.  Programming interface seems to have
a few different options of vary difficulty.

8.  http://www.charge.com/home.shtml?
    Has a lowest price guarantee, but I can't find an example of the
programming interface.

9.  http://6e39438631e517c7ff661ecb92412044.www.aismedia.com/ecommerce/index.htm
    Has low setup fees, and even accepts ATM cards.  uses
Authorize.net interface.  Either the Virtual Terminal or Web Terminal.

10.  http://www.eccx.com/html/content/qc.shtml
     Lots of features, tons of complexity with this one.

So, in conclusion, I think numbers 1,3, and 6 best meet your
requirements

Search Criteria:

credit card merchant account comparisons

://www.google.com/search?hl=en&lr=&ie=UTF-8&oe=UTF8&q=credit+card+merchant+account+comparisons

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Request for Answer Clarification by goofy166-ga on 03 Jul 2002 09:19 PDT

To clarify my question for netcrazy-ga, I wish to integrate the CC
system with your site.

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Clarification of Answer by rishel-ga on 03 Jul 2002 12:28 PDT

Hi Goofy166,

most, if not all of the merchant accounts I listed have an option to
integrate with your site.

I just think this did not really answer my question, which was to find
out about the programming interface. Only one of these offered such
information and it was very hard to understand.