Credit Card Transactions

[Nixon]

Hey all,

I would like to start accepting online credit card payments. I would like to have say either an account section where you can put £10 into your account and then I take money off that. Or I would like to charge somebody everytime they use the service. It is kind of like Ebay. It is a classifieds website that charges for every classified somebody wants to put on.

[AstroTeg]

Sounds do-able. Is there a specific question?

[Nixon]

Yeah,

1. User registered with my site.
2. User adds money to his account (through some credit card system).
3. User puts a classified on website.
4. User gets money deducted from his account

Basic question - best credit card merchant to use. I don't want to be paying much and if anything JUST pay a transaction fee.

[AstroTeg]

PayPal or some other PayPal-like system is the way to go for what you're describing.

To do full blown credit card processing, you'll have to get a merchant account. Then write some code to interface with a payment gateway. Plus you would need SSL to securely handle the credit card numbers between web pages.

Check with some banks, but I think you'll find there's a setup fee, transaction fees, monthly fees, SSL fees (yearly), and the gateway may have fees as well.