> Talks to the St George Financial Transaction Server.
> The FTS i use is at: www.au.interpath.net
> I wrote a generic PHP Class that does all the heavy lifting and invokes
> cURL (curl.haxx.se) that does the secure link jobbie back to interpath.
> You get a lovely report mailed to you nightly.
I would have to say, that from my personal experience, do NOT go with
online credit card transactions.
Theres heaps of reasons :-
A) There expensive.. for little purpose
B) you have NO control over the transactions..
C) Contrary to popular belief, customers do NOT feel more comfortable
doing their transactions with a "third party".. (Yes.. National
Australia Bank.. this means you too)
B is very important.. as you don't get a chance to vete the order for
fraud activity.
Let me tell you about a company I know of that had online credit card
facilities.. Most online "carders" are trying to get in between when a
card is stolen, to when it's reported stolen.. So that the system will
accept the transaction, and you, the merchant wont know that it was
fraudulent until you get the charge back request like a month later.
Anyway.. someone put through like 200 fraudulent transactions (via Amex)
totally well in excess of $200000.. And when the chargebacks came through,
Amex decided they had too many, and revoked their merchant facilities.
Visa/Mastercard will do the same thing under the same circumstances.
SO.. basically.. get an EFTPOS machine from your bank.. and put them
though by hand.. PGP them from your web site and email them to you. Just
dont STORE them anywhere on the web site.
Make sure you scrutinise all orders for fraud signs. Don't accept ANY
orders from Indonesia, and don't trust Overseas orders with
Visa/Mastercard. Amex are the ONLY ones who will do destination
verification for you to validate the card and order address.
--
Anthony Rumble - Managing Director
EverythingLinux.com.au - The Alternative Operating System Store
LinuxHelp.com.au - Support,Training,Development,Consulting
Phone: 0500 500 368 Direct 02-9712-1799 Fax 02-9712-3977
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