Is offline CC processing frowned upon by merchants?

[jumbuck2]

Actually SpeedRacer, I don't think that's quite right.

The ECI system is currently changing because its now possible to accept credit cards online with considerably improved security than with a real time payment gateway. I refer to e-path.com.au and payecom.com.au to name just two which have sacrificed automation for vastly improved security.

The other thing is the presence of the CVV number is absolutely no defence against a charge back. In that regards its a pretty useless thing really.

I agree that banks do whatever they can to earn as much as they can.

I'm with e-Path ad accept credit card payments from ZC and transact them myself into my merchant account. I have the opportunity to check the real physical address of the buyer, their phone, email and all other stuff before I do the charge. Not even card present can give you this much pertinent info on the buyer. Perhaps this is why e-Path is OK for accepting cc online and transacting manually yet is still flagged as a manaul transaction.

Cheerio