Direct Commerce Systems

RE: Order Management, eCommerce and Fulfillment Solutions for Direct Merchants

Not so long ago there were just a handful of payment processors specializing in direct commerce (card-not-present) transactions, even including "Internet Gateways." Now there seems to be many dozens (possibly hundreds!). Which ones offer the best service, or full service (gateway and transaction processing), and do you even want both in one? What factors distinguish "the best" of the bunch? What are the issues to watch out for?

Views: 13

Reply to This

Replies to This Discussion

Interface with the onlinestores, reports, fraud detection and fraud prevention. Support which I can contact by phone, without passing a darn 1,2,.,3 menu to finally end up with someone who has no idea.
We work with Ogone in Europe, probably not the cheapest, but best service you can ever get.
http://www.ogone.com

Have fun, Mike
From my perspective, the issue is one of resolving the competing forces at play - 'best practice' vs PCI DSS compliance. Historically, the advice has always been to pre-auth card transactions and poll (take money) on dispatch of goods, particularly in a lean mail order or ecommerce operation where back orders lead times can be prevalent. Unfortunately, for many reasons (too numerous to list) related to PCI compliance, the ability to pre-auth and poll can no longer be taken for granted. The move to 'tokenisation' of card payments is probably the best and only way to go, but it does raise many technical and compatibility issues between back office systems and payment service providers. Indeed many of our clients (particularly new-generation e-tailers) are choosing to take payments on confirmation of order and, in effect, process fully paid transactions. So amongst the many other factors, I would list 'compliance and compatibility' at the top of my list when considering the many options and providers available.
You raise some very interesting points, Lee. The auth now/poll-charge on despatch standard is certainly widespread, but not imposed by any laws I am aware of. The main problems with charging at order entry are (a) customers have to be retrained to expect it, and (b) in the US it starts the "30-day clock" ticking for FTC notices. But most merchants think the clock starts ticking anyway, so that's not a big change. More to the point, if you have warehouse backorders, then you end up having to refund part of the charge. And if a customer cancels a back-order, you've got a refund, as well. I do agree that tokenization is the way to go, and that there are still a lot of issues to resolve in that regard. Thanks for raising these issues!

Lee Thompson said:
From my perspective, the issue is one of resolving the competing forces at play - 'best practice' vs PCI DSS compliance. Historically, the advice has always been to pre-auth card transactions and poll (take money) on dispatch of goods, particularly in a lean mail order or ecommerce operation where back orders lead times can be prevalent. Unfortunately, for many reasons (too numerous to list) related to PCI compliance, the ability to pre-auth and poll can no longer be taken for granted. The move to 'tokenisation' of card payments is probably the best and only way to go, but it does raise many technical and compatibility issues between back office systems and payment service providers. Indeed many of our clients (particularly new-generation e-tailers) are choosing to take payments on confirmation of order and, in effect, process fully paid transactions. So amongst the many other factors, I would list 'compliance and compatibility' at the top of my list when considering the many options and providers available.

RSS

Psst!

Use the "Edit" button to display more than the default number of listings in each section....

Click the "PollDaddy" Tab to take our eCommerce poll.

Feel free to e-mail Ernie Schell at ernie@schell.com with an off-line comment or question or call me at 609-487-9340.

If your Twitter ID is in your profile and you don't appear in this site's TWfeed (bottom of this column), please let us know.

© 2017   Created by Ernie Schell.   Powered by

Badges  |  Report an Issue  |  Terms of Service