I have chosen these links based upon the informational value found at
each of these web sites. In no way is this an endorsement of any products
or services . We cannot be held liable for any of the information found
at these sites.
E-commerce Information
The
eCommerce Guidebook provides many resources, including a directory
of online transaction providers, a tutorial, and many other resources. It is
a comprehensive guide useful to both the beginner and the expert.
E-Commerce
Times describes it's site as "Everything You Need To Know About
Doing Business Online". Well, we can't vouch for that, but it does
keep us up to date current trends and events in e-commerce.
Merchant Accounts
Start out right by learning from the credit card companies themselves:
Visa
Master
Card
Below you will find some of the very best places that
will help you accept credit cards for your website or place of business.
From these two leading merchant account providers to the third party
processors I recommend here. These companies have consistently gotten great
ratings from consumers since I started tracking merchant account providers
nearly two years ago.
Charge.com
offers a 110% lowest price guarantee. They even offer a free shopping cart
with their real time processing. The only downside I could find with this
company is a long term contract, other than that they seems to be the hands
down winner.
Costco
offers merchant accounts through Nova Systems. For those unfamiliar with
Costco, they are a buying club similar to Sam's Club. You must be an
executive member of Costco in order to get one of their merchant accounts.
The cost is $100 per year, but it's well worth it. My merchant account is
through Costco and I can highly recommend it.
Nova has great rates, low set-up fees and are one of the largest
providers of merchant accounts and the customer service is superb.
The drawback for me was that I had to physically drive to Costco in order
to apply for my membership. This took me a few hours as there is not one in
my state. I am not sure if they still have this limitation or not, but even
so I feel it was still worth it. By the way, the discounts for merchandise
bought at Costco is also great, much better than you'll get at your local
retail stores.
Third Party Processors
Not ready for your own merchant account yet? These companies will
allow you to accept credit cards for a commission of each sale. Of course it
will cost you. Between 7-15% of each sale. It's a steep price to pay, but if
you only plan on making a few sales each month or you are just starting out,
then this might be the way to go.
CCNow allows
you to accept credit cards for tangible items that you are going to ship to
your customers. They have no set-up fees and seem to have a pretty good
reputation. Commissions were 9% of each sale last time I checked.
ClickBank
is set-up for people who sell access over the Internet for their products or
service. If you are selling an ebook or access to a membership only site,
then Clickbank is the answer to your problems. They even allow you to set-up
your own affiliate program at no extra cost. There is a $50 set-up fee and
the commission you pay is 7.5% plus $1 per sale.
PayPal
is the leading method of payment on ebay. The reason is that it is
completely free. Yes you can accept credit cards at no charge. The drawback
is that you must send customers to PayPal in order to accept their cards.
Your customer must then sign up for their own PayPal account. This is a bit
of an inconvenience and you could lose a customer, plus you won't look very
professional, but it is a viable option. I use it on my ebay auctions and it
works great.
Real-Time Processing
Authorize.net
is one of the leading names in real-time payment processing. They offer a
wide range of products and services.
CyberCash
is another leading names in real-time payment processing. They also offer a
wide range of products and services.
CyberSource
is a developer and provider of e-commerce transaction services. Providing
merchant-controlled, real-time services, including payment services, tax
services, risk management services, distribution control services, and
fulfillment management services.
Security
Netscape's
Security Center provides information on security products and services
for internet users and web site developers. Building secure sites, digital
certificates, public key infrastructure, e-commerce, secure email, online
shopping, and privacy are all discussed in this comprehensive web site.
Thawte is
one of the largest Internet Certificate Authorities for SSL, IPSEC and S/MIME
certificates. Thawte claims their certificates are recognized by more
browsers than certificates from any other issuer. (Update: Thawte is now
owned by VeriSign, but is still run separately, see below)
VeriSign
is another leading issuer of digital certificates. This site has loads of
security and private encryption information.