I'm stumped. I'm not so sure what is the answer to your question. I'll do some Googling and get back to you if I bump into an good answer. You should email the people at iPage as they probably could help you..
Well, did you make sure that they passed the CVV system, and the AVS system?.
Basically, you wnat ot make sure thaat they have the card present, and that you are shipping the item to the actual cardholders billing address...
How do I do that? From searching through the forum, I found a thread where it says 2Checkout does that already - I think..
Ah, I must have glossed over the fact that you were using 2checkout..
If you got a security warning form them, then that uswually means that they provided an address other than the billing address of the cardholder..
I would cancel the order, and ask the customer to purchase again using the billing address of the cardholder. If they can't provide the billing address, then you shouldn't ship it...
Thanks for the advice. When I first went active, I placed an order myself to make sure 2Checkout was working. I got a message from them warning of possible fraud. I, of course, ignored it. Then when the second order came in I got a fraud warning on that one too. I sent 2Checkout an email asking them to explain the reson for the message.
The third order came in and, again I reveived a fraud alert. Maybe 2Checkout sends a fraud alert for every order to cover themselves in case something goes wrong? In any event, I would like to know that was the reason they thought it was fraudlent before offending a possible customer. It would upset me if a company I ordered from cancelled my order and told me to redo it and put in the correct address if I had already put in the correct address. I might have to risk this one and see what happens..
Well, I think you'll find that 2checkout is one of the worst CC processing solutions you can use...
I was about to activate PayPal and 2checkout for our first client site! Chris, perhaps you'd like to PM me with any recommendations (US based)..
We're running into several potential customers who are just starting out, they are not taking on a CC Merchant Account to begin with, and obviously, if they cannot accept CC from the get-go, they will find it difficult to grow with e-commerce!..
Thanks in advance for any assistance!..
You may be right - I have no way to judge. My thought was to just use them until I found out if I my iPage site would generate enough to justify paying for a regular service. But if I can't get past the first order...?.
Thanks for your input..
I'm really not a big advocate of thrid party processors to begin with..
My suggestion is to use paypal until you get to the point where you are processing $1000 or more. At that point, you should get a merchant account and payment gateway. I prefer authorize.net..
If you are already processing $1000 or more per month, then a merchant account and gateway is much cheaper than any other payment processor other than paypal...
I'm not anywhere near that amount since I sell low cost items. Paypal is an option for the future but won't do me much good right now. Thanks for the input. I think I'm about to go through a learning experience..
Check the cvs code if not math, this is fraud order, then check avs code if NN prossible fraud order, if NY, I think this order 90% is not fraud order..
I don't inderstand what you are saying here. Can you be more specific?.
Do you have any opinion or info. about.
As a payment gateway provider?.
The AVS codes he is referring to are:.
AVS Code DESCRIPTION.
YY* Address matches, zip code matches.
YN* Address matches, zip code does not match.
YX* Address matches, zip code comparison not available.
NY* Address does not match, zip code matches.
XY* Address comparison not available, zip code matches.
NN* Address comparison does not match, zip code does not match.
NX* Address does not match, zip code comparison not available.
XN* Address comparison not available, zip code does not match.
XX* Address comparisons not available, zip code comparison not available.
(*) This is the one character response code sent by the authorizing bank and it varies by card type (e.g., Y,Z,A,N,U,R,S,E,G are valid responses for Visa; Y,Z,A,N,X,W,U,R,S are valid for MasterCard; Y,Z,A,N,U,R,S are valid for American Express and A,Z,Y,N,W,U are valid for Discover)...
Never used them before..
What are their rates like?..
Is $100 setup, $20/month and $.25 per transaction. The.
Payment module works great with osC, and includes optional AVS and CVV fields..
The least expensive cc payment gateway I've used is.
- their third-party payment processing is $49.95 setup with no monthly minimums or fixed costs..
I guess it depends on your volume..
I consider our shops to be very small, only processing $5-$15K per month. If we used either one of the processors you mention rather than our merchant account and authorize.net, we'd be losing a TON of money. $3.95 percent plus .35 per comes out to be more than 2.25% +.25 per and $30 per month..
>>>> Processing 2,000 per month >>>>>>>>>>>.
Processing $2,000 per month with PaySystems.
@3.95% = $79.00.
Average of 80 ttransactions ($25 average ticket each) @ $.035= $28.
Total = $107 per month.
Processing $2,000 per month with Merchant Account/Authorize.net.
Average of 80 transactions ($25 average ticket each) @ $.025 = $20.
Monthly Fees = $30.
Total = $100 per month.
Setup = $0.
Here, with a very, very low volumne, and a very low average ticket, the cost is at it's closest. The merchant acocunt and authorize.net still manages to save you about $7 per month, not to mention no setup fee, wich with PaySystems sets you back $50..
If you think you might process less than this per month, then it might be best to stick with just paypal until you get a little more traffic..
>>>> Processing 10,000 per month >>>>>>>>>>>.
Processing $10,000 per month with PaySystems.
@3.95% = $395.00.
Average of 400 transactions ($25 average ticket each) @ $.025= $140.
Total = $535 per month.
Processing $10,000 per month with Merchant Account/Authorize.net.
Average of 400 transactions ($25 average ticket each) @ $.025= $100.
Monthly Fees = $30.
Total = $355.
Here's an example of a larger, but still small business, processing 10k per month. As you can see, as sales get higher, the savings using a merchant acocunt/payment gateway is much greater. This business would have spent an additional $180 per month using PaySystems. And this isn't even figuring the $50 setup PaySystem charges..
IMO, PaySystems is not, by any means, the cheapest CC processing gateway..
This post has been edited by.
: 02 February 2004, 21:55..
PayPal is great for EBay merchants, etc ... but a third-party payment processor, such as PaySystems, gives online shops higher credibility (IMHO) than using PayPal, and provides a solution for merchants who need to accept cc payments, but have -0- cc transactions some months..
Don't get me wrong, I think PayPal is great, but if you are targeting mainstream consumers, then PayPal won't cut it...
Thoese comparisons were based on Paysystems vs a real merchant account, not against paypal. You might want to reread the post...
I just opened my candy shop on Thursday. The week before someone, from California, had tried to order some gum, so I sent him an email explaining I wasn't open yet but would open on last Thursday. After I opened, he oordered some of the gum. Seems reasonable. Then later that same day I got another order from a guy in Colorado. He wanted 18 boxes of the same gum.
But the coincidence seems too good to be true. I need to mail the packages on Monday, Tuesday at the latest. Am I being played here? Is there any way to protect myself? Any thoughts?.
By visa. I checked the address and they seem valid - not po box. I got fraud warnings from 2checkout from both of them. But then, I got a fraud warning on a test order I ran with my own credit card so I don't know how meaningful that is..