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Rules to Websites - Online Transactions

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  1. Do you implement online credit card processing (Partly Australian Specific)?

  1. Do you implement online credit card processing (Partly Australian Specific)?

    When the customer clicks "Purchase", what happens under the covers? Does it:

    • Send an email with the credit card details for manual processing a day later (aka cowboy method), or
    • Call a banks web service and put the money into you account within 30 seconds (recommended) (aka professional method)

    Implementing the online credit card processing into your website requires a lot of investigation was is very time consuming (you will find yourself taking copious notes while on the phone to many different providers).

    Step 1

    is to decide on the shopping cart:

    1. Custom shopping cart built into your site (recommended)
      • A lot of work – but can be modified as your business processes evolve
      • e.g. www.ssw.com.au
    2. Off the shelf shopping cart
    3. A hosted shopping cart (where you upload your products)
      • Your site integrates with a 3rd party shopping cart to process the credit card payment
      • e.g. www.camtech.com.au and www.eway.com.au
      • Generally lots of predefined themes but if you want a custom one you have to pay for a custom design.
      • You have less control over the site

    Step 2

    if you choose a) or b) you need to apply for an Online Credit Card Merchant Facility with an Australian Bank.

    • This costs about $400 AUD
    • Be aware generally you want to process the cards in $AU as it is cheaper and a lot less complicated
    • With all banks you can process credit cards from other countries. But if you want to process a credit card at say the current $US currency rate and in $US then only NAB has that facility. This can be very expensive.

    The cost to setup a merchant account with a bank is approximately:

    Establishment Fee $250
    Monthly Fee $20 - $60
    Merchant Service Fee Between 1.00% - 3.00% (per transaction)

    Step 3

    is you need to create an account with a Internet Payment Gateway.

    • An Internet Payment Gateway is a company that accepts the credit card information from your website and processes the credit card
    • You will need to secure the website with SSL certificates
    • You will need to comply with their standards which included having a refund policy, displaying all prices in $AU even if you are advertising to overseas customers.
    • Look for one that supports web services
    • e.g. www.camtech.com.au and www.eway.com.au

     

    Internet Payment Gateway
    Plan Name
    Activation
    Monthly
    Free T/M
    CPT
    Cost/year
    TPY
    (CPT x TPY)
    1st Year Cost
    www.camtech.com.au   (Our Pick)  
    -
    $23.75
    -
    $0.40
    $285.00
    500
    $200.00
    $485.00
    www.directone.com.au Basic
    -
    $32.92
    -
    $0.45
    $395.00
    500
    $225.00
    $620.00
      2000
    -
    $49.58
    167
    $0.45
    $595.00
    500
    $150.00
    $745.00
    www.eway.com.au Std
    -
    $29.17
    -
    $0.50
    $350.00
    500
    $250.00
    $600.00
    www.eway.com.au/Pricing Discount (+500TPM)
    -
    $29.17
    -
    $0.25
    $350.00
    500
    $125.00
    $475.00
    www.netregistry.com.au  
    -
    $55.00
    -
    $0.00
    $660.00
    500
    $0.00
    $660.00
    www.mbase.com.au  
    $127
    $32.75
    -
    $0.35
    $393
    500
    $175
    $695
    www.paymentexpress.com.au Starter
    $150.00
    $50.00
    100
    $0.50
    $750.00
    500
    $200.00
    $950.00
      Business
    $150.00
    $150.00
    500
    $0.45
    $1,950.00
    500
    $0.00
    $1,950.00
      Business A
    $200.00
    $250.00
    1,000
    $0.42
    $3,200.00
    500
    $0.00
    $3,200.00
    www.anchor.net.au  
    $295.00
    $50.00
    1,000
    $0.00
    $895.00
    500
    $0.00
    $895.00

    Free T/M = No of free transactions per month offered
    CPT = Cost per Transaction
    TPY = Transactions per Year (case study)

     

    We use Camtech as our Internet Payment Gateway because:

    • They provided good documentation to call their web services. (It was so easy a work experience employee completed this task!)
    • There was no software required on our server
    • They are a supplier to many other Internet Payment Gateways
    • Market share - ANZ have told us that Camtech was one of their largest suppliers
    • Camtech allows developers to partner with them to receive a percentage of all revenue generated by the merchant.
    • They are developer orientated

Acknowledgements

Adam Cogan
Marlon Marescia
Corneliu I. Tusnea