Conor's submission was a helpful one in its time. Credit card processing was a LOT different and e-commerce was getting a double hit as merchant account provider demanded different accounts for on line and brick-n-mortar.

A lot of us had to resort to Conor's mod and calling in our numbers. Later, we were able to connect with a browser but, we still paid that extra percentage for "card not present" transactions.

Conor himself acknowledged that this method was a work around and less than secure for all concerned. Its process is not only NOT PCI compliant but, it is unsafe for both the customer and the store owner.

With the advent of PayPal, we had a viable option that was more secure. Yes, some folks despise PayPal but, there are many out there in e-commerce that don't feel comfortable using anything else. PayPal does not force folks to make an account as some will say. If the customer has a PayPal account, the system will ask them to login. Otherwise, they are immediately provided the opportunity to use their own card.

Next came Square. Another one with all sorts of rumors floating around. "Can't get my money" seems to be the big complaint but, I've never had that happen. Square has only given me one charge back (stolen card) and I've been with them from the start. Oddly enough, it was the Square business model that Conor mentioned often in our emails. Even though Square was not around at the time of Conor's passing, I bet he would have done something like it within a year.

Unlike other merchant accounts, Square has no sign-up or monthly fees. If you manage to get the right rep on the phone, they might give you a better rate if you mention Zen Cart.

Sorry for the length but, I felt it needed to explain that this is old and, potentially, VERY expensive/damaging software. Expensive that "call in" fees are always more than keyed in AND the risk to your business and the customer through non-compliant processing. Damaging in the potential loss of customer data.

Unless you have one of the prohibited businesses listed at http://tinyurl.com/y5ksco5b, I'd rethink PayPal and Square before using Conor's mod.