Buyers today expect convenience, simplicity, and a wide range of payment methods so they can choose. Payment by credit card is by far the most popular payment, and if a merchant does not do this, simply go elsewhere, consumers, competition is fierce.

Setting up a merchant account with our payment gateway enables suppliers of all major credit cards to be accepted into a website, including Visa, MasterCard and Visa Electron for UK customers. This allows the authorization, settlement and management of credit card transactions online. Internet sales can be managed around the world in a single payment gateway and the payments processed in real time.

Our payment gateway providers also have virtual terminal software, a payment terminal that allows you to accept orders by mail or by telephone if paid for any reason, the information can not be recovered from d ‘ a system based on the Internet. Therefore, transactions can be processed online or offline. Access to the payment gateway will ensure that all transactions are handled easily with all major banks and is available to dealers in all European countries.

Used by the gateway of our provider payment gateway is designed to be as friendly as possible, which gives absolute control over the payments and transactions, the ability to print the statement is always available. The system is very powerful and can handle multiple merchant accounts on one server. The system is capable of handling all major banks and several banks can be installed at a time.

Our payment gateway providers use the Address Verification (AVS), which confirms the identity of the credit card. The system works by the confirmation of the billing address of credit card is the same as in the application form will be kept at the bank issuing credit cards. Verification Code Security (MasterCard Secure Code and Verified by Visa) has been introduced to improve the security of internet payments. Basically it is 3 digits printed on the card or signature required by operators and to secure “card not present” transactions over the Internet, by phone, mail or fax. Due to the increase in attempted card fraud, it is now mandatory to provide this code when the cardholder is not present in person.

A fraud scheme, was designed with a high level of anti-fraud tools to detect and prevent fraudulent transactions, which contains more than 180 different characteristics of fraud. The system is designed to maximize the protection of an online business and is based on more than 7 years of experience and research. Using this research, the company has built a database for its results with many different types of fraud. Features include: intellectual property and game cards, general restrictions on the country, block map, restriction map, Time Frame Relay, tools to fight against identity theft and the tools to fight against phishing.

 Visit our Merchant Services Discussion Forum today and enter into discussion about above and many other topics!

So you decided to start doing business on the Internet and now you need to get started from scratch to finally be ready to sell your services or products, but where to start and who can help?

I have been many times through this process and every time it is the same questions I ask myself!

Where do I find the hosting that I need for my Website?
What you need to consider is how big your website is and how much traffic you expect to hitting your website, since we assume you are serious about your new business venture, then you should  decide to find a cheap but reliable and stable dedicated hosting plan. I looked into Liquid Web and The Planet, both have starting plans from $69 and a very low setup fee, since The Planet messed completely up my credit card for not so long a time ago, and are very complicated to deal with if you are outside of the US, then I would recommend Liquid Web.

Now you have your hosting in place and can start uploading your website! Uups, you need to figure out how your website should look and if it would be of benefit for you to use a CMS or Shopping Cart.

Shopping Cart or CMS?
So I while I started my business I have been looking at several solutions both in regards to a CMS solution and a regular Shopping Cart solution. It will depend very much on what your business is, I will give you 2 great suggestions here;

If you are going to sell electronic downloads, e-books, products (of any kind) or something else that need to be downloaded or shipped after Payment, then you should look into a shopping cart like OSCommerce which is free at widely supported by millions of people, a much smaller solution and which costs $25 is Pphpldshop.com, it is very easy to install and easy to customize, the support is, sorry to say so, a bit slow, but it works great.

An example of the PHPLD shopping cart can be found here: shop.cclogic.com

If you are going to offer services which don’t can be downloaded immediately or accessed after payment I would defiantly go for a CMS solution, a good CMS software will have a lot of extensions to advanced your needs and is easy to customize and maintain. It is crustily of importance for you to install a CMS which is supported instantly with security updates and buck fixes and where new versions are released on a regular basis. My best suggestion for you is to use :   Joomla is also supported by millions of people and you get everything you need, in fact with Joomla you are able to extend your website to a large corporate professional website with less effort and for a few bucks.

The Design and Logo
Now you need a good designer, please avoid for any price services which will charge you several thousand dollars, if you just need to get started, I made a very bad experience with a company OGOsense.com they are crocks and took $ 1.800 from me, what they did is looking professional, they will send you massive of e-mails with questionnaires and a lot of other crap you don’t want to look professional. My result was that they then took a cheap template from: Joomla Templates and put it online. Stay away.

No find a good template that fits into what you have in mind you can find many great templates and later on get them customized for less than $100.

For logo design I highly recommend the service of Business Logo, they are fast and very reliable to deal with, the results of their works is professional, the website is here:  BusinessLogo.net

Accepting Credit Card Payments
Now you are almost done and ready to start selling your services and products on the Internet.
To be able to accept payments on your website I would recommend you to take a look at the marked, and to find a reliable payment processor which is difficult and where you ran the risk to get into a trap. During my more than 9 Years of Experience in the Internet Business, I have seen a lot.

For startup business you should look into 2co.com, paypal.com, alertpay.com and even moneybookers.com, they are all 4 companies which have been in the payment processing business for many years now and they have grown to huge multimillion companies which don’t disappear overnight.

Once you have grown your own business to be a small or even medium sized company with a monthly sales volume of let’s say approximately $15.000 you should look into becoming your own Merchant Account and connect your website directly with a payment gateway, a good start would be cclogic.com they are only working as consultancies, but have been in the business like the first mentioned 4 companies for many years.

They will provide you with the reliable and trusted solution you want.  With the large network of Banks and Payment processors they have, you will be in good hands.

Beside to accept credit cards you should also look into other payment methods, you have optional possibilities to Accept ACH Check processing, Debit Card processing like Visa Electron or Maestro, Bank Transfer payments, Phone Billing and much more… Ask your payment service provider for what other payments methods they offer.

Most important for you is, the payment gateway provider MUST be PCI compliant, here is the official website for the same: https://www.pcisecuritystandards.org/ and at least Level 1, this is not something you need to worry about what it is about, just make sure your Payment Gateway provider is compliant. This is a second level of security for you and your business. If anyone tells you they are in process, or they use HackerSafe.com, RUN RUN RUN and stay away, it is not what we speak about. We want a fully compliant PCI Level 1 payment gateway, and we want to see a VALID certificate.

Now you are ready to get started, please make a short comment on this blog post if you find it informative or if you need  more tips and tricks.

Please also feel free to Visit our Webmaster Forum which includes many of the topics mentioned in this article and where you can discuss what YOU want.

This is a common question all over the Internet and especially in many e-commerce forums. We will try to clarify this question in this article and hope it will be of benefit for you and a better understanding.

The website need a way for your customers to order your services and products, this is often managed by installing one of the many shopping carts available for instant OSCommerce or Cube Cart. Those are very easy to install and only take minutes to get online, the difficult part is to add your products, pricing and of course the design.

A good thing to remember is that you want to show your customers that you are accepting credit card payments and that you are honest. The credit card regulations demand you to put up the credit card logos on your website that you are able to accept now. Also you will need to enter your contact and company details at somewhere where it is easy for your customers to find it. Finally you will need to implement your Terms and Conditions, your return policy. A good idea is also to have a privacy statement on your website, which you of course need to apply to.

Once you have managed above, you will need to have a payment gateway integrated, this can be something like authorize net or a 3rd party payment processor like 2co. If you decide to go with a regular payment gateway you will need to find a Merchant Account with a bank that supports the payment gateway you choice. Most Payment Gateway providers already have established relationship to the banks that supports their payment gateway. If you choice to integrate a 3rd party processor then you only need to worry about that, you don’t need to look for a merchant account too. Many payment gateways and 3rd party payment processors have a readymade plug-in for the major shopping cart and billing systems, so it is very easy to get them integrated with your website.

As soon as the integration is done, you will need to contact the payment gateway provider or 3rd party payment processor to make some test transaction, this is of great benefit for both parties since you need to make sure that the credit card transactions are passed without problems or errors to the bank to be processed.

Now you are almost done, make sure your are switching from the test environment to the live system. Often it is a demand from the payment service providers that while you are integrating your website with them, you will need to do so on the test platform and once everything is working you will need to switch to the live environment. The test and live environment is identical, so you can be sure that if it works on the test then it also works live.

A thing to consider is PCI compliancy, which you need to take seriously, if you want your customers to enter their credit card information directly on your website, then it is often needed to be compliant, you can read much more about to be PCI Complaint at the link we provided.

If you are looking for a Payment Gateway and a Merchant Account then cclogic.com  is able to help you, also if you are in the Adult Entertainment or Pharmacy business, contact us today.

Merchant accounts provide an anti-fraud and security protection system. Included should be a Verisign SSL Certificate that provides secure e-commerce and communications for web sites and Address Verification Service (AVS) that looks up valuable address and zip code information on the cardholder. AVS is compulsory by Visa and MasterCard on all keyed accounts where cards are not going to be swiped and will help protect your credit card transactions and your site.

When researching merchant accounts don’t just go for the cheapest one you can find. Cheap merchant accounts won’t offer the services that more expensive ones have; check out the features attached to each to see if they are worth the money. Also some account providers will offer a low rate to entice you into choosing their account, but then will increase this rate after a few months. Look out for any hidden fees that haven’t been mentioned or advertised up front by the account provider. Some merchant accounts have penalties if you decide to cancel or increase the rates if volume targets aren’t met. Junk fees can be disguised by using a variety of names, such as security fee, conversion fee, excessive transactions fees, discount rate fees or over the limit fee, so verify what these are before you settle on an account

For a reliable and secure merchant account and payment solution contact cclogic.com

Something interested I read about cclogic’s business partners and the payment gateways they use.

Our Payment Gateway providers supports over 150 different currencies so the customer has the option of ordering products or services in the currency they are familiar with. Shoppers will know which cards are accepted by the card logos shown on the payment method page. When the account is set up the payment logos are automatically displayed so shoppers can see the cards available for them to use. If the online store requires more payment cards after the set up has been completed, an online application has to be submitted stating the extra cards to be added.

Our Payment Gateway providers accepts applications from most types of industries including Gaming, Pharmacy, Adult, Retail, Software, Ticketing Tobacco, Travel business, Airlines, Hosting business, Financial Services, Online Games, Luxury Goods, Digital Content. Opening a merchant account with Our Payment Gateway providers will show a growth in your online business as the website becomes available internationally. As an online merchant check out the options available with Our Payment Gateway providers and you will see that it is an affordable choice.

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.