How do I set up and test Credit Cards, PayPal, and other good stuff

Hi everyone!

I am working on getting my site up and it's finally in the finishing stages and I am
wanting to know how to test out the shopping cart to see if orders are being processed correctly.

Along with this I would like to know how can I add or enable the credit-card and paypal feature for my shopping cart? I want to be able to test these features out as well to make sure they will be working properly before the launch of my shopping cart.

Also any information on how to test your own site with credit-cards and paypal before an official launch would be very helpful. And how to add specific types of credit cards able to be taken (i.e. MasterCard, VISA, American Express, etc..) I want to get my site up and running and when it is up i want it running smoothly.

Any help is always greatly appreciated!!:clap::clap:

You can install payment modules like PayPal and credit cards in the admin under modules->payment. Can't help you with the testing part, but I'm sure there's info on the forum.

1. Are you accepting credit cards "off-line" (in other words, people submit card details at checkout and you manually process them with EPOS)? (Lots of issues here - including merchant bank terms and conditions)

2. ... or are you using a real-time ccard processing payment gateway (eg: Protx, ect).

3. Or are you using PayPal - and if so, what feature (PayPal Standard, Express...)

More detail is required before specific advice can be given.

AH okay,

well preferably i would like to be a real-time user for the credit cards.

I dont' really know much about how to set this stuff up to i can get paid when people make the purchases. I looked at PayPal last night and I liked what I saw.

So when you say real-time (protx etc..) what do you mean?

I've read about the offline payment and with all the problems with it i don't know if thats a good way to go quite honestly. Advice with this would be awesome :)

Since you like PayPal, take a look at their testing information site:

https://www.paypal.com/IntegrationCenter/ic_sandbox.html

swelter83:

AH okay,

well preferably i would like to be a real-time user for the credit cards.

I dont' really know much about how to set this stuff up to i can get paid when people make the purchases.

There's plenty of information about payment receipt systems on this forum.

As far as credit cards are concerned, you have two basic options:

1. OFFLINE payment

2. ONLINE payment

3. Offline payment will involve invoking the standard zencart c-card modules, or using an add-on module, such as the c-card module developed by CEON (Connor Kerr). This means that the credit card data entered by a shopper is communicated to the store owner, who then MANUALLY processes the card for payment using an EPOS machine (the card processing machine that brick-and-mortar retailers have in their shops).

4. Online payments RE-DIRECT the shopper's personal details and credit card number to a payment gateway while they are online at your webshop. The payment is deducted from their card and credited to your bank account immediately, and automatically. The payment gateway then returns the shopper to your checkout success page, and the transaction is recorded in your database.

For either 1 or 2 above, you will need some kind of Merchant Agreement with the clearing bank - which usually involves having a merchant card processing account. For OFF-LINE transactions, banks usually do not allow online store owners to take card details over the WWW and process these manually through an EPOS machine. There are security issues, and if you violate this condition, you could be black-listed by clearing banks.

Paypal is an ONLINE processor, and is popular because it is so easy and quick to set up. It is not as complicated as some clearing banks, and in some cases, is cheaper.

You need an ordinary user account with PayPal, which you then "upgrade" and configure to suit your needs.

There's much more to it, of course. If you want a quick and easy way to take c-card payments, then PayPal is probably the easiest route to go.

thanks for taking the time to explain that to me, i really appreciate it.
I'll be checking into paypal and figuring it out now. It makes alot more sense now that you have explained it :) :)

Hi,

Sounds like you have a lot of experience with payment options. I want to sell a software with a yearly subscription. I am looking fir a online payment process company who off credit AND debit card payments. What can you advice?

fairestcape:

There's plenty of information about payment receipt systems on this forum.

As far as credit cards are concerned, you have two basic options:

1. OFFLINE payment

2. ONLINE payment

3. Offline payment will involve invoking the standard zencart c-card modules, or using an add-on module, such as the c-card module developed by CEON (Connor Kerr). This means that the credit card data entered by a shopper is communicated to the store owner, who then MANUALLY processes the card for payment using an EPOS machine (the card processing machine that brick-and-mortar retailers have in their shops).

4. Online payments RE-DIRECT the shopper's personal details and credit card number to a payment gateway while they are online at your webshop. The payment is deducted from their card and credited to your bank account immediately, and automatically. The payment gateway then returns the shopper to your checkout success page, and the transaction is recorded in your database.

For either 1 or 2 above, you will need some kind of Merchant Agreement with the clearing bank - which usually involves having a merchant card processing account. For OFF-LINE transactions, banks usually do not allow online store owners to take card details over the WWW and process these manually through an EPOS machine. There are security issues, and if you violate this condition, you could be black-listed by clearing banks.

Paypal is an ONLINE processor, and is popular because it is so easy and quick to set up. It is not as complicated as some clearing banks, and in some cases, is cheaper.

You need an ordinary user account with PayPal, which you then "upgrade" and configure to suit your needs.

There's much more to it, of course. If you want a quick and easy way to take c-card payments, then PayPal is probably the easiest route to go.

Hi Fairestcape! If you could please clarify something for me.
I'm using the standard paypal account and I also have the cc-offline processing activated. Everything through Paypal goes through with immediate money transfer and the customer gets redirect back to my store fine, no problem there! but if they use the Credit Card on my store to make their payments it does register on PayPal which I thought this feature is integrated with so that a customer can make the same transaction through paypal but without having to leave my site. Therefore PayPal would or should still be the gateway by which the CC transactions is still processed without encountering any problems with any bank, except that it's just in the background without letting the user know, if I'm not mistaken???:unsure:

Could you please elaborate on this issue if I got this wrong; because I am encountering problems where as I said before, the CC goes though but then it stays in the clients online log as Pending, meanwhile I see no activity of the transaction having been logged on my PayPal activity log. I do however get all the emails I'm suppose to receive confirming an order has been made. Plus the order in my admin show up as Pending and stays there until I get further notice which never comes of course! :cry: Do you have any advise or experience about this issue??? I'd appreciate any knowledge you may have on the matter!

Thanks a Mil!! :thumbsup:

The credit card module is designed for people using an offline credit card processor. It does NOT interact with PayPal. If you want your customers to pay via PayPal and you aren't manually processing credit card orders, remove the credit card payment option.

Afo is 100% correct.

You only use the C-Card module if you are in a position to PROCESS those card details yourself - typically through an EFTPOS (Electronic Funds Transfer at Point Of Sale) machine - you know... the machine shop owners use at the till point where you stick your card in, etc.

Now, as I said earlier, if you wish to do your own credit card processing, then you will need to set up an agreement with a Merchant Bank who clears credit cards. In MOST cases, they will not allow card details to be captured via the internet as there are big security issues here. So, it's unlikely you will ever need the Zencart C-Card module. Best to REMOVE it completely.

PayPal is a GATEWAY that processes payments - either through its MEMBERSHIP programme, or through Credit Cards. You don't need to have the c-card module for paypal.

afo:

The credit card module is designed for people using an offline credit card processor. It does NOT interact with PayPal. If you want your customers to pay via PayPal and you aren't manually processing credit card orders, remove the credit card payment option.

Thanks Mary! I appreciate the response!

Thanks!

Mario