First,
the sort of transactions we??™ll be dealing with in an e-commerce web site are known as Card Not
Present (CNP) transactions, which means we don??™t have the credit card in front of us and we
can??™t verify the customer signature. This isn??™t a problem; after all you??™ve probably been performing
CNP transactions for some time now online, over the phone, by mail, and so on. It??™s just
something to be aware of should you see the CNP acronym.
Several advanced services are offered by various gateways, including cardholder address
verification, security code checking, fraud screening, and so on. Each of these adds an additional
layer of complexity to your credit card processing, and we??™re not covering those details
here. Rather, this chapter provides a starting point from which you can add these services if
required. Whether or not you choose these optional extra services depends on how much money
is passing through your system and the trade-off between the costs of implementing the
services and the potential costs, which could be prevented by these extra services, if something
goes wrong. If you are interested in these services, that customer service representative
mentioned previously will be happy to explain things.
As it stands now, we can perform several types of transactions:
Authorization: Check a card for adequate funds and perform a deduction.
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