This enables us to perform
our side of the credit card transaction protocol over the Internet (using a secure protocol), while
relying on a chosen gateway to communicate with X.25 networks. Although there is likely to be
a cost involved with this, the provider should have a deal with financial institutions to help
keep costs low and pass the savings on to us (after the gateway takes its share), so it??™s likely to
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be much cheaper than having your own X.25 connection. This method is also likely to be
cheaper than using a third-party payment processor, because we only need the minimum
functionality since we are handling our own order pipeline. There is no need, for example, to
use all the order-auditing functionality offered by a company such as PayPal, because we
already have all this functionality in our implementation.
Working with Credit Card Payment Gateways
To work with a gateway organization, we first need to open amerchant bank account. This can
be done at most banks; the bank will provide you amerchant ID that you can use when signing
up with the gateway. The next step is to find a suitable gateway. This can be a lot of hard work!
Although it isn??™t hard to find a gateway, the challenge lies in finding a competent one that
offers services at an acceptable price and quality. Literally hundreds of companies are eager to
take a cut of your sales.
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