sharqi
Fri 1 February 2008, 07:51 pm GMT +0100
what payment provider you use you should use their platform to handle the payment process.
this is more trustful for the visitor and more safe, at the moment I'm developing a payment option for some site in the Netherlands (using iDEAL and CC).
I use the "internet-kassa" from the bank at the moment the product and customer data is collected. Fixing al wholes in a application without the payment process is work enough :)
I could not agree more. It is always best to use an established platform to process very sensitive information.
Banks and other financial institutions pay huge sums of money to develop secure payment gateways, simply because their reputation is at stake every time the gateway is used.
To code something from scratch that handles CC payments in a highly secure way would be very time consuming, and then the testing and deployment of the application would probably take even longer than its creation.
Finally after all that effort, if you forgot to cover even the smallest security issue, you could end up in a very sticky situation with both your customers and the local authorities.
Most merchant accounts with banks (the accounts that allow you to process credit cards when the customer is not present) will insist you use their gateway anyhow.
I personally am not a fan of PayPal and the way they do business, however it is the best gateway for people who do not have access to merchant facilities of their own. When people go to pay for something I believe they are re-assured by the paypal logo and thus more likely to buy.
The downside of course is the terrible charge back system where the seller usually loses out.