Online sales are big business and these days every website has to offer their customers the chance to pay for goods and services using credit cards, if it wants to meet customer needs. Accepting credit cards is known to increase profits as credit card users are more likely to purchase on impulse and spend more. The advantages include payments arriving much faster, no waiting around period while the cheque is received and has to clear before the goods can be shipped and no bouncing credit cards. If this payment method isn’t available potential customers will take their money elsewhere and business will decline.

To enable your website to accept credit cards there are a number of systems to be put into place. These are outlined below.

Shopping Cart System

The first thing you need to set into place when selling online is an electronic shopping cart system. First, there is the product catalogue where products available to purchase from your store can be viewed. Once the customer has choiceed the product they want it’s added to the cart, customers are able to choice as many items as they like and the system will total it all at checkout. Once the shipping address is added, the system also calculates postage and any taxes to be paid. The final part of the process is when the customer enters their credit card details and this is where the gateway system comes into operation to conclude the sale.

Shopping cart systems can be simple with no frills, offered for free by organisations involved in ecommerce solutions in order to get you to buy other services from them, or they can be costly to purchase and contain many features. To choice the shopping cart system that’s best for your business, you need to take into consideration the type of product for sale, the purchase choices you want to be able to offer customers, the inventory control application and range of automation required.

Gateway Service

The gateway service is an automatic process of the payment transaction between the customer and the merchant. Once the customer enters their credit card details, these are electronically sent to the gateway service which then forwards the information to the credit card processor for authorisation.

Credit Card Processor

A credit card processor is a data center that electronically processes the credit card transaction. The processor will deal with the transaction, authenticate and accept or decline the credit card for the merchant using secure internet connections. After checking the validity of the transaction, if everything is correct, they will transfer the funds into the merchant account.

Merchant Account

Without a merchant account your website can’t accept credit card payments. An online merchant account is a bank or other financial institution where money generated from your online sales is placed by the processor. Some banks associated with credit card services, such as Visa and MasterCard, issue merchant accounts; however as online businesses are regarded as risky they may refuse you an account. This is not a great problem as due to the rapid growth of online sales there is a choice of merchant organisations that will set up an account for you. 

Shopping has changed dramatically with the expansion of retail stores online, offering shoppers anything from a fully fitted kitchen to a kitchen tap. Add to this the increasing number of websites that now accept credit cards and shopping online has never been easier or more convenient.

There are many organisations out there that will facilitate you in the setting up of your online credit card payment system and other requirements. These organisations have varying fees, so ask around and take a good look at their website before making any final decision. If you spend your money wisely in this area and choice a reputable company with a good reputation for its systems you will see an increase in sales from credit card customers. Lastly, ensure the service you decide upon has an up to date anti-fraud system that will protect your business from fraudulent transactions.  

Online sales are big business and these days every website has to offer their customers the chance to pay for goods and services using credit cards, if it wants to meet customer needs. Accepting credit cards is known to increase profits as credit card users are more likely to purchase on impulse and spend more. The advantages include payments arriving much faster, no waiting around period while the cheque is received and has to clear before the goods can be shipped and no bouncing credit cards. If this payment method isn’t available potential customers will take their money elsewhere and business will decline.

To enable your website to accept credit cards there are a number of systems to be put into place. These are outlined below.

Shopping Cart System
The first thing you need to set into place when selling online is an electronic shopping cart system. First, there is the product catalogue where products available to purchase from your store can be viewed. Once the customer has choice the product they want it’s added to the cart, customers are able to choice as many items as they like and the system will total it all at checkout. Once the shipping address is added, the system also calculates postage and any taxes to be paid. The final part of the process is when the customer enters their credit card details and this is where the gateway system comes into operation to conclude the sale.
Shopping cart systems can be simple with no frills, offered for free by organisations involved in ecommerce solutions in order to get you to buy other services from them, or they can be costly to purchase and contain many features. To choice the shopping cart system that’s best for your business, you need to take into consideration the type of product for sale, the purchase choices you want to be able to offer customers, the inventory control application and range of automation required.

Gateway Service
The gateway service is an automatic process of the payment transaction between the customer and the merchant. Once the customer enters their credit card details, these are electronically sent to the gateway service which then forwards the information to the credit card processor for authorisation.

Credit Card Processor
A credit card processor is a data center that electronically processes the credit card transaction. The processor will deal with the transaction, authenticate and accept or decline the credit card for the merchant using secure internet connections. After checking the validity of the transaction, if everything is correct, they will transfer the funds into the merchant account.

Merchant Account
Without a merchant account your website can’t accept credit card payments. An online merchant account is a bank or other financial institution where money generated from your online sales is placed by the processor. Some banks associated with credit card services, such as Visa and MasterCard, issue merchant accounts; however as online businesses are regarded as risky they may refuse you an account. This is not a great problem as due to the rapid growth of online sales there is a choice of merchant organisations that will set up an account for you. 

Shopping has changed dramatically with the expansion of retail stores online, offering shoppers anything from a fully fitted kitchen to a kitchen tap. Add to this the increasing number of websites that now accept credit cards and shopping online has never been easier or more convenient.

There are many organisations out there that will facilitate you in the setting up of your online credit card payment system and other requirements. These organisations have varying fees, so ask around and take a good look at their website before making any final decision. If you spend your money wisely in this area and choice a reputable company with a good reputation for its systems you will see an increase in sales from credit card customers. Lastly, ensure the service you decide upon has an up to date anti-fraud system that will protect your business from fraudulent transactions.

It has been a long time since all our business transactions were in cash or cheques. The wish to be able to handle more business, make our procedures faster and more efficient and to give a better service to our clients has resulted in a wide range of technologies and services that are now so pedestrian that we sometimes wonder how life would be without them. And as we are now working within a growing world economy, the need for fast and save business transactions and accepting credit card payments has never been greater.

We are proud to be a company that offers payment solutions, as accepting credit card payments online. We merge modern technology with knowledge and understanding in our field. Our products are valuable to private organizations as well as local authorities, and come with full support and guidance from our highly qualified team.

Basically, we offer a gateway for merchants , which is fast and simple in use. With our resources it is very simple to accept credit card payments online. All the transactions are safe and we always guarantee discretion from the start to the end of a procedure. Our services do not just cover this. Here is a list of the other products in our expertise:

·         Payment Gateway

·         Merchants Accounts

·         Virtual Terminals

·         Credit Card Fraud Detection Service

·         Consultancy Services

·         Partner Projects including:

Affiliates Program

Reseller Program

Private Label Gateway

Integrators

·         Customer Support

Payment Gateway - is a very powerful gateway solution that will provide you with:

·         All you need to run a lucrative e-commerce business.

·         A payment gateway that is a strong and secure and allows you to accept credit card payments online.

·         A system that is easy for medium sized as well as large companies.

·         Total power over all your transactions and printing your own statement.

·         A powerful system that lets you deal with several Merchant Accounts on a single server and install different clearing banks at the time.

·         A system that allows payments in any currency of choice.

Merchant Account – With the merchant interface you can:

·         Control transactions.

·         Observe transactions.

·         Get summaries, graphs and more. The merchant interface is a secure website that you can enter from anywhere with an Internet connection.

Virtual Terminal – Our Virtual Terminal software:

·         Allows fast manual processing of mail orders and telephone orders in a secure environment.

·         Is desktop application that allows use without browser and logins. This is to avoid online insecurity. Read more about our Virtual Terminal software here.

Consultancy Services – Cclogic.com Consultancy is for those are looking for advantages from the knowledge of our team and business. We can help you if:

·         you want to set up your own payment service provider.

·         you need insider information from the sector.

·         you need to plan how to deal with different complicated aspects of this industry such as risk management, due diligence and compliance.

·         you need tools to manage your business.

Partner Projects – Cclogic.com offers an unparalleled range of prospects for partners, and we are always looking for chances to expand our business. We offer:

·         a generous affiliate scheme where you can earn commissions from link backs and sales.

·         An excellent reseller program that connects your gateway to Cclogic.com. This means that you will make use of our experienced team, have the wide range of banks with which Cclogic.com is already connected and you will be able to start up your payment service provider business. You will have access to the advanced and recently developed anti-fraud system (VFraud) which you can offer your merchants as additional security. This is your opportunity to get started easily or to expand your existing PSP, ISO or MSP business.
As a reseller and Cclogic.com contractor, you will automatically join Cclogic.com’s affiliate program. Pass on a new or existing business to us as payment service provider, merchant service provider or independent sales organization and you will earn 45% commission for every lead that ends up as a contract. You see! We wish to make every effort to help you make good earnings while working with Cclogic.com.

·         Private Label Gateway – The private label gateway at Cclogic.com allows you to start accepting credit card payment fast and secure. We currently have two solutions; online or to install the Gateway Program on your computer.

Customer Support - Cclogic.com provides:-

·         Absolute support for all our products, 24 hours a day, 7 days a week, 365 days a year.

·         Guarantee that we will look after your needs at all times, and supply many routes for support if required.

Press Releases and Current News – Cclogic.com provides:

·         a library of resources relating to the business

·         information to keep you abreast of relevant current news.

As you can see we are more than just a payment solution company that allows you to accept credit card payments online.  We offer an complete service of support and resources, which allows you to deliver the best service to your customers. We also keep you up to date with what is going on in your particular business area. We are sure that you will be very satisfied you choose us.