net.
DataCash is a credit card gateway organization based in the United Kingdom. You??™ll need
a UK merchant bank account if you want to use it in the final application. However, you don??™t
have to worry about this for now: it??™s very easy to get access to a rather useful test account??”
you don??™t even need amerchant bank account.
Authorize.net, as mentioned on its official web site at http://www.authorize.net, ???provides
Internet Protocol (IP) payment gateway services that enable merchants to authorize, settle,
and manage credit card or electronic check transactions anytime, anywhere.??? In other words,
Authorize.net also offers the service that we need to process the credit cards ourselves when
someone buys one of our t-shirts.
CHAPTER 20 ?– PROCESSING CREDIT CARD TRANSACTIONS 624
The important point to remember is that the techniques covered in this chapter apply to
every credit card gateway. The specifics might change slightly if you switch to a different organization,
but you??™ll have already done most of the hard work.
As you??™ll see later in this chapter, both Authorize.net and DataCash let us perform test transactions
using so-called ???magic??? credit card numbers (supplied separately by Authorize.net and
DataCash), which will accept or decline transactions without performing any actual financial
transactions. This is fantastic for development purposes, because we certainly don??™t want to use
our own credit cards for testing!
Understanding Credit Card Transactions
Whichever gateway you use, the basic principles of credit card transactions are the same.
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