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    ECommerce / Accepting Payments


    This is my first time creating an eCommerce site with a shopping cart and inventory database. I've done some research but am still unclear about exactly how I can accept payments online. I know you must have:

    1.) SSL Certificate
    2.) Shopping cart and web app. designed.

    now I know you can get SSL certificates from network solutions, and I can build the shopping cart, but I'm unclear about Payment gateways - merchant accounts. Can somebody please help me get this eCommerce project going by clearing up what I need to accept payments online.
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    Well, you pretty much nailed it, to accept credit card payments directly you need a payment gateway and a merchant account.

    Although you can accept credit card payments indirectly without a merchant account through a few payment gateways (PayPal).

    You would get a merchant account through a normal bank. Then you could sign up for a gateway like authorize.net.
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    Ah USB, the only rectangular connector where you have to make 3 attempts before you get it the right way around
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    My 2cents to add to the info. stated by E-Oreo

    I'd recommend you to use PayPal as a payment processing gateway for a simple fact that it can accept payments through multiple credit cards from various nations, plus it's more popular.

    There are a various advantages of having a gateway involved when accepting payments. It'd verify information, transfers requests and authorizes credit cards in real time. For that reason you may consider Authorize.Net , CyberSource and VeriSign .
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    So if I understand correctly

    I could:

    1. Get a Dedicated IP for hosting
    2. Purchase a SSL Certificate via a company like network solutions
    3. Subscribe for a Payment gateway like Authorize.net
    4. Develop Shopping Cart
    5. Direct credit card orders to payment gateway who will direct that to my bank merchant account


    Is that everything?
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    Yeah that's a high level overview.

    All major payment processors have sandbox environments that you can register for and use to test the process.
    PHP FAQ

    Originally Posted by Spad
    Ah USB, the only rectangular connector where you have to make 3 attempts before you get it the right way around

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