Dec
20
2007
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Thursday, 20 December 2007 |
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Yesterday we setup Netmix's payment gateway to enable them to receive credit card transactions. As they sell computers and software, this is a necessary for their shop.
As Netmix was a Netcash client, we made use of Netcash's payment gateway. As mentioned in an earlier blog post, Netcash has just launched their online payment gateway, so we were eager to give it a try.
The setup was smooth, and the documentation provided by Netcash was easy to follow. A nice feature they have is to have separate "accept", "reject" and "data" url's avaiable. This enables you to send your customers to different pages depending on if their transaction is accepted or rejected. The "data" url can be used to send data to your server. This page isn't displayed, and therefor is executed even it your user closes the browser before his transaction is complete. We didn't make use of this url, as we didn't see a need for it in this case.
One problem we encountered is the testing environment. Netcash provides a testing username and password, but this doesn't enable you to test the return url's. In this case we had to run a live transaction to test the approved return url. We had a talk to Sven Woxholt from Netcash and he told us that they are working on implementing a new testing system, where you will have full access to test the return url's as well.
Another problem we encountered was that we couldn't make use of our site's url's with parameters in the Netcash's return url's. Their system would return url's with additional parameters added to the end of the url, resulting in our site not finding the url. We had to make use of a redirect to get the correct result. However we have encountered this on other gateways as well.
Throughout the process Sven from Netcash was very helpful - he even phone us when we e-mailed him a question. The gateway is up and running on the Netmix site, and we'll have to wait and see if it performs as expected. We'll give feedback at a later stage.
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Dec
18
2007
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Tuesday, 18 December 2007 |
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In recent times one of the biggest reasons for people not making use of online shopping has been the fear of credit card fraud. Consumers feared that credit card details would be compromised and that criminals would use their credit card numbers to buy online.
Mastercard states that 73% of consumers surveyed state that their decision to purchase online will be influenced by enhanced security.
As a result Visa and Mastercard have developed 3D security, whereby you have to enter a pin code when making use of your credit card to do online transactions. The systems are seperate, but both use the same protocol. In South Africa these systems are being rolled out by the banks and are being incorporated into existing websites.
More information is available on Visa and Mastercard's websites. You can also sign up for this service on these sites.
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Dec
18
2007
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Tuesday, 18 December 2007 |
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A friend of mine recently told me about an interesting event that he has been attending lately. He recently started his own Online Marketing firm, specialising in Google Adword marketing. He told me that he had attended a 27 Dinner, a gathering of entrepreneurs to discuss topics of interest and build networks.
The 27 Dinner website states that it is "a get together, held on the 27th day of each month for geeks, marketers, entrepreneurs, writers, media practitioners, speakers - well, just about anybody who is keen - to share ideas and news and opinions over food and drink."
I have just signed up for the January 27 meeting - I expect this to be a very interesting evening. I will report back after the 27th. The evening is open to anyone, but there is only room for the first 100 that sign up. You can sign up on the 27 Dinner website by adding your name to the list.
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Dec
13
2007
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Thursday, 13 December 2007 |
As mentioned in the previous post, there are few payment options available for South African websites. E-commerce sites must be able to receive credit card payments, as 80% of all internet sales are done using credit cards. To date there were a couple of payment gateway options to use (VCS, PayGate, MyGate), but all required you to have a merchant account, or make use of them as merchant, with some increased costs.
Netcash has just brought out their payment gateway system. Previously Netcash specialized in debit orders. The minimum monthly cost for this system was R120. Netcash provides the payment gateway service at no extra cost (if you already have a debit order system). From a cost perspective this compares very favorably with the other payment gateway providers.
We are busy implementing a Netcash payment gateway, and will report back on our evaluation thereof.
In a future post we’ll look in detail at the cost of the different payment gateway service providers.
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