I need to find an ecommerce shopping cart that will take Authorize.net
for real time credit cards and Telecheck for real time guaranteed
checks. The solution needs to meet these requirements:
1. The cart needs to popup the Telecheck payment screen when the user
clicks pay by check as in this demo:
http://www.firstdataencompass.com/html/nonreg_flash_demo/index.html
2. The cart needs to operate attaching to my existing site by allowing
me to put buy now buttons on my site and click them to add the product
to the cart either via hyperlink or form, I do not want an all in one
catalog setup.
3. The cart needs to be $200 or less setup and $100 or less monthly fee.
4. I want the cart to be a hosted solution instead of me installing
software on my server.

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Request for Question Clarification by leapinglizard-ga on 04 Jun 2005 22:14 PDT

I have found two hosted shopping-cart solutions that meet your price
target and can be configured to operate on a "buy now" basis. Both
accept credit cards and real-time checks.

One of them uses Authorize.net for credit cards and PayByCheck.com for
checks, while the other uses TeleCheck for checks and a very large,
very reputable credit-card gateway. Personally, I would choose the
second over the first, and I think I would prefer it to Authorize.net
for credit cards alone.

Let me know whether you would accept these two recommendations as an answer.

leapinglizard

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Clarification of Question by stan30-ga on 05 Jun 2005 06:32 PDT

I posted this as comment as first so that's why it's here twice.
We can't use Paybycheck.com because we have a 5% bad check rate in our
industry and must have guaranteed checks which they don't offer. Post
both carts and let me look at it to see if it meets all of my recs.
then I will let you know if I accept it.  I can do without the
authorize.net if I have to but not Telecheck.

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Request for Question Clarification by leapinglizard-ga on 05 Jun 2005 11:19 PDT

If you can't do without Telecheck, then I guess you won't be
interested in eCartsoft after all. This is a hosted shopping cart that
integrates with Authorize.net and lets you add "buy now" buttons to
your website.

eCartsoft: Home
http://www.ecartsoft.com/cgi-bin/home.cgi

eCartsoft: Features
http://www.ecartsoft.com/cgi-bin/home.cgi?page=user+template&tp=1004


My second find, the Payflow Link service from Verisign, could be just
the ticket. Payflow Link uses Verisign's own credit-card gateway to
process credit cards, and Telecheck for real-time checking-account
debits. Payflow Link is not a complete shopping cart package but a
hosted single-payment solution. VeriSign charges $179 to set up the
service. The monthly fee is $19.95 for up to 500 transactions, with a
$0.10 charge for each transaction above this number.

VeriSign: Payflow Link
http://www.verisign.com/products-services/payment-processing/online-payment/payflow-link/index.html

VeriSign: Payflow Link Data Sheet
http://www.verisign.com/static/003195.pdf

Chapter 8 of the PayFlow Link User's Guide shows how to implement
TeleCheck transactions on your website.

UPenn: PayFlow Link User's Guide
http://www.finance.upenn.edu/forms/verisign_docs/PayflowLink_Guide.pdf

Good enough?

leapinglizard

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Clarification of Question by stan30-ga on 05 Jun 2005 17:21 PDT

I had already seen Payflow link, that does not meet my 2. requirement
of adding the product to the cart with a buy button.  Payflow will add
the entire order total but you have to do the other cart programming
on your own site with html which we have limited knowledge of.  The
first cart you posted has the exact implemention I am looking for with
the buy now button, but it won't work with Telecheck. So I still don't
have a solution my company is looking for.

We can't use Paybycheck.com because we have a 5% bad check rate in our
industry and must have guaranteed checks which they don't offer. Post
the link to the Telecheck one and let me look at it to see if it meets
all of my recs. then I will let you know if I accept it.  I can do
without the authorize.net if I have to but not Telecheck.

I kept searching since no answer was posted here in 7 days.  I
actually ended up finding one myself.  They have a buy now button like
I was looking for and they don't integrate with Telecheck now but they
offer to integrate any gateway you have that they don't currently
support free of charge. They have contacted Telecheck and are working
on the integration right now.  They will be the only cart on the
Internet that I could find that does integrate with a guaranteed check
service directly, without going through a separate processor.  You can
set them up to use Authorize.net or any other gateway to do the credit
cards and Telecheck to do the checks.  Their website is
www.ultracart.com  They also offer product statistics, affiliate
programs, emailer, recurring orders and lot of other features. They
don't seem to do any advertising and I couldn't find any information
about them on any other site than their own.  I'm not sure why because
they seem to offer an awesome cart at a very reasonable price.

What about AgoraCart?
http://www.agoracart.com/paymentgateways.htm 
Did you take that as an option for your situation?

agoracart doesn't meet my requirements as listed because it is not an
addon buy button implementation, you can only just link to a product
page but that doesn't add it to the cart from your existing site.  You
also need your own secure server certificate which I don't have.  And
you have to get an account with Payflo Link which is $179 and $20 a
month.  We already have a merchant account setup with Authorize.net
and wanted to keep that and use in conjunction with Telecheck without
paying for another gateway. I didn't list this as a requirement but
one thing I really like to have is product sales reports. I have to
send management a report of how many of each item we have sold via the
internet and this really helps. I think most merchants can use sales
reports, which Ultracart had.

There is no guarantee available on checks with out a signature or
better known as drafts, just processing. You then have no recourse if
they are NSF. Is that what you want?

Yes, that is basically what I want.  We don't want to wait 7 days to
ship an order because they paid by check and we are afraid the check
might end up NSF and they have the product in hand. Our Telecheck
account will give us our money even if the check is NSF and they
handle the funds recovery.  They even give us this guarantee if the
check info is put in their online virutal terminal.