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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.