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  • E-Commerce Security: Only Credit Card Fields Encrypted?!

    - by bizarreunprofessionalanddangerous
    I'd like your opinions on how a major bricks-and-mortar company is running the security for its shopping Web site. After a recent update, when you are logged into your shopping account, the session is now not secured. No 'https', no browser 'lock'. All the personal contact info, shopping history -- and if I'm not mistaken submit and change password -- are being sent unencrypted. There is a small frame around the credit card fields that is https. There's a little notice: "Our website is secure. Our website uses frames and because of this the secure icon will not appear in your browser" On top of this the most prominent login fields for the site are broken, and haven't gotten fixed for a week or longer (giving the distinct impression they have no clue what's going on and can't be trusted with anything). Now is it just me -- or is this simply incomprehensible for a billion dollar company, significant shopping site, in the year 2010. No lock. "We use frames" (maybe they forget "Best viewed in IE4"). Customers complaining, as you can see from their FAQ "explaining" why you aren't seeing https. I'm getting nowhere trying to convince customer service that they REALLY need to do something about this, and am about to head for the CEO. But I just want to make sure this is as BIZARRE and unprofessional and dangerous a situation as I think it is. (I'm trying to visualize what their Web technical team consists of. I'm getting A) some customer service reps who were given a 3 hour training course on Web site maintenance, B) a 14 year old boy in his bedroom masquerading as a major technical services company, C) a guy in a hut in a jungle with an e-commerce book from 1996.)

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  • Basics for implementing SSL on PHP Website

    - by KoolKabin
    Hi guys, I am here as a developer of a website. My website got different modules among which one function is to process credit card. In order to process credit card I need to implement SSL layer and process the pages. For rest of modules the SSL is optional. Now my points are: 1.) Is the location of file for http and https same? 2.) Can the session of http and https be shared? this is required as i need user login information and cart item information.

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  • Online payment service recommendation?

    - by Shadowman
    We're currently in the process of looking for an online payment service that will allow us to accept credit cards, etc. However, our business model also involves revenue sharing in a model similar to that of iTunes. That is, content creators will be able to sell content through our site and we take a small percentage of the revenue. Can anyone recommend an online payment service that supports this model? We're also interested in: Accept all major credit cards Being able to do international transactions in the appropriate local currency Recurring transactions (monthly, yearly, etc.) Additionally, if the service provided a Java API for integration or the ability to broker PayPal transactions that would be an added bonus. I know Amazon provides a hosted payment service, but I'd prefer not to require all of our customers to have an Amazon account. That provides an additional barrier to entry that we'd prefer to avoid. I'd appreciate any recommendations you can provide!

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  • How to give credit about an image I display in my website?

    - by Erel Segal Halevi
    I looked for an image for decorating the main page of my website. I found a great image in Wikipedia. The license allows me to use the image, but, I must give credit to the creators (which includes their name and a link to their Flickr page). My question is: what is the best way to give credit about the image, such that the page design will not be harmed? In case it matters: my page is very simple - it contains only the image (floated right), a heading, a small amount of text, and some links. But, my question is more general and probably applies to many different websites.

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  • ASP.NET 2.0 + Firefox/Safari - UI Issues?

    - by Tejaswi Yerukalapudi
    I'm developing on a system that was originally developed five years ago. I don't have access to the complete source code of the system, but it is completely driven by XML and runs on ASP.NET 2.0. This was originally written for IE6, but since Microsoft has officially decided to dump it, we moved to IE7. Some javascript is added on the client side, but nothing that changes the UI has been done. (We had to integrate a credit card reader into the system) This code is accessed primarily on tablet PCs running windows, but I'd like to persuade my company to use the iPad. [The tablet somehow costs around 3k$. I think selling a 3000$ device to a client when you have the iPad for 500$ is ridiculous.] Now, my problem is if we open it in any other browser (Tested it on safari / firefox), the UI is completely messed up with elements completely out of place. Doesn't ASP.NET generate HTML that runs on any browser? My second question is if there are any credit card readers available in the market that integrate with the iPad. I don't really care about the software part as it's taken care by our company, I just need it to read the card details and post it to the server. Thanks, Teja.

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  • Windows Azure: General Availability of Web Sites + Mobile Services, New AutoScale + Alerts Support, No Credit Card Needed for MSDN

    - by ScottGu
    This morning we released a major set of updates to Windows Azure.  These updates included: Web Sites: General Availability Release of Windows Azure Web Sites with SLA Mobile Services: General Availability Release of Windows Azure Mobile Services with SLA Auto-Scale: New automatic scaling support for Web Sites, Cloud Services and Virtual Machines Alerts/Notifications: New email alerting support for all Compute Services (Web Sites, Mobile Services, Cloud Services, and Virtual Machines) MSDN: No more credit card requirement for sign-up All of these improvements are now available to use immediately (note: some are still in preview).  Below are more details about them. Web Sites: General Availability Release of Windows Azure Web Sites I’m incredibly excited to announce the General Availability release of Windows Azure Web Sites. The Windows Azure Web Sites service is perfect for hosting a web presence, building customer engagement solutions, and delivering business web apps.  Today’s General Availability release means we are taking off the “preview” tag from the Free and Standard (formerly called reserved) tiers of Windows Azure Web Sites.  This means we are providing: A 99.9% monthly SLA (Service Level Agreement) for the Standard tier Microsoft Support available on a 24x7 basis (with plans that range from developer plans to enterprise Premier support) The Free tier runs in a shared compute environment and supports up to 10 web sites. While the Free tier does not come with an SLA, it works great for rapid development and testing and enables you to quickly spike out ideas at no cost. The Standard tier, which was called “Reserved” during the preview, runs using dedicated per-customer VM instances for great performance, isolation and scalability, and enables you to host up to 500 different Web sites within them.  You can easily scale your Standard instances on-demand using the Windows Azure Management Portal.  You can adjust VM instance sizes from a Small instance size (1 core, 1.75GB of RAM), up to a Medium instance size (2 core, 3.5GB of RAM), or Large instance (4 cores and 7 GB RAM).  You can choose to run between 1 and 10 Standard instances, enabling you to easily scale up your web backend to 40 cores of CPU and 70GB of RAM: Today’s release also includes general availability support for custom domain SSL certificate bindings for web sites running using the Standard tier. Customers will be able to utilize certificates they purchase for their custom domains and use either SNI or IP based SSL encryption. SNI encryption is available for all modern browsers and does not require an IP address.  SSL certificates can be used for individual sites or wild-card mapped across multiple sites (we charge extra for the use of a SSL cert – but the fee is per-cert and not per site which means you pay once for it regardless of how many sites you use it with).  Today’s release also includes the following new features: Auto-Scale support Today’s Windows Azure release adds preview support for Auto-Scaling web sites.  This enables you to setup automatic scale rules based on the activity of your instances – allowing you to automatically scale down (and save money) when they are below a CPU threshold you define, and automatically scale up quickly when traffic increases.  See below for more details. 64-bit and 32-bit mode support You can now choose to run your standard tier instances in either 32-bit or 64-bit mode (previously they only ran in 32-bit mode).  This enables you to address even more memory within individual web applications. Memory dumps Memory dumps can be very useful for diagnosing issues and debugging apps. Using a REST API, you can now get a memory dump of your sites, which you can then use for investigating issues in Visual Studio Debugger, WinDbg, and other tools. Scaling Sites Independently Prior to today’s release, all sites scaled up/down together whenever you scaled any site in a sub-region. So you may have had to keep your proof-of-concept or testing sites in a separate sub-region if you wanted to keep them in the Free tier. This will no longer be necessary.  Windows Azure Web Sites can now mix different tier levels in the same geographic sub-region. This allows you, for example, to selectively move some of your sites in the West US sub-region up to Standard tier when they require the features, scalability, and SLA of the Standard tier. Full pricing details on Windows Azure Web Sites can be found here.  Note that the “Shared Tier” of Windows Azure Web Sites remains in preview mode (and continues to have discounted preview pricing).  Mobile Services: General Availability Release of Windows Azure Mobile Services I’m incredibly excited to announce the General Availability release of Windows Azure Mobile Services.  Mobile Services is perfect for building scalable cloud back-ends for Windows 8.x, Windows Phone, Apple iOS, Android, and HTML/JavaScript applications.  Customers We’ve seen tremendous adoption of Windows Azure Mobile Services since we first previewed it last September, and more than 20,000 customers are now running mobile back-ends in production using it.  These customers range from startups like Yatterbox, to university students using Mobile Services to complete apps like Sly Fox in their spare time, to media giants like Verdens Gang finding new ways to deliver content, and telcos like TalkTalk Business delivering the up-to-the-minute information their customers require.  In today’s Build keynote, we demonstrated how TalkTalk Business is using Windows Azure Mobile Services to deliver service, outage and billing information to its customers, wherever they might be. Partners When we unveiled the source control and Custom API features I blogged about two weeks ago, we enabled a range of new scenarios, one of which is a more flexible way to work with third party services.  The following blogs, samples and tutorials from our partners cover great ways you can extend Mobile Services to help you build rich modern apps: New Relic allows developers to monitor and manage the end-to-end performance of iOS and Android applications connected to Mobile Services. SendGrid eliminates the complexity of sending email from Mobile Services, saving time and money, while providing reliable delivery to the inbox. Twilio provides a telephony infrastructure web service in the cloud that you can use with Mobile Services to integrate phone calls, text messages and IP voice communications into your mobile apps. Xamarin provides a Mobile Services add on to make it easy building cross-platform connected mobile aps. Pusher allows quickly and securely add scalable real-time messaging functionality to Mobile Services-based web and mobile apps. Visual Studio 2013 and Windows 8.1 This week during //build/ keynote, we demonstrated how Visual Studio 2013, Mobile Services and Windows 8.1 make building connected apps easier than ever. Developers building Windows 8 applications in Visual Studio can now connect them to Windows Azure Mobile Services by simply right clicking then choosing Add Connected Service. You can either create a new Mobile Service or choose existing Mobile Service in the Add Connected Service dialog. Once completed, Visual Studio adds a reference to Mobile Services SDK to your project and generates a Mobile Services client initialization snippet automatically. Add Push Notifications Push Notifications and Live Tiles are a key to building engaging experiences. Visual Studio 2013 and Mobile Services make it super easy to add push notifications to your Windows 8.1 app, by clicking Add a Push Notification item: The Add Push Notification wizard will then guide you through the registration with the Windows Store as well as connecting your app to a new or existing mobile service. Upon completion of the wizard, Visual Studio will configure your mobile service with the WNS credentials, as well as add sample logic to your client project and your mobile service that demonstrates how to send push notifications to your app. Server Explorer Integration In Visual Studio 2013 you can also now view your Mobile Services in the the Server Explorer. You can add tables, edit, and save server side scripts without ever leaving Visual Studio, as shown on the image below: Pricing With today’s general availability release we are announcing that we will be offering Mobile Services in three tiers – Free, Standard, and Premium.  Each tier is metered using a simple pricing model based on the # of API calls (bandwidth is included at no extra charge), and the Standard and Premium tiers are backed by 99.9% monthly SLAs.  You can elastically scale up or down the number of instances you have of each tier to increase the # of API requests your service can support – allowing you to efficiently scale as your business grows. The following table summarizes the new pricing model (full pricing details here):   You can find the full details of the new pricing model here. Build Conference Talks The //BUILD/ conference will be packed with sessions covering every aspect of developing connected applications with Mobile Services. The best part is that, even if you can’t be with us in San Francisco, every session is being streamed live. Be sure not to miss these talks: Mobile Services – Soup to Nuts — Josh Twist Building Cross-Platform Apps with Windows Azure Mobile Services — Chris Risner Connected Windows Phone Apps made Easy with Mobile Services — Yavor Georgiev Build Connected Windows 8.1 Apps with Mobile Services — Nick Harris Who’s that user? Identity in Mobile Apps — Dinesh Kulkarni Building REST Services with JavaScript — Nathan Totten Going Live and Beyond with Windows Azure Mobile Services — Kirill Gavrylyuk , Paul Batum Protips for Windows Azure Mobile Services — Chris Risner AutoScale: Dynamically scale up/down your app based on real-world usage One of the key benefits of Windows Azure is that you can dynamically scale your application in response to changing demand. In the past, though, you have had to either manually change the scale of your application, or use additional tooling (such as WASABi or MetricsHub) to automatically scale your application. Today, we’re announcing that AutoScale will be built-into Windows Azure directly.  With today’s release it is now enabled for Cloud Services, Virtual Machines and Web Sites (Mobile Services support will come soon). Auto-scale enables you to configure Windows Azure to automatically scale your application dynamically on your behalf (without any manual intervention) so you can achieve the ideal performance and cost balance. Once configured it will regularly adjust the number of instances running in response to the load in your application. Currently, we support two different load metrics: CPU percentage Storage queue depth (Cloud Services and Virtual Machines only) We’ll enable automatic scaling on even more scale metrics in future updates. When to use Auto-Scale The following are good criteria for services/apps that will benefit from the use of auto-scale: The service/app can scale horizontally (e.g. it can be duplicated to multiple instances) The service/app load changes over time If your app meets these criteria, then you should look to leverage auto-scale. How to Enable Auto-Scale To enable auto-scale, simply navigate to the Scale tab in the Windows Azure Management Portal for the app/service you wish to enable.  Within the scale tab turn the Auto-Scale setting on to either CPU or Queue (for Cloud Services and VMs) to enable Auto-Scale.  Then change the instance count and target CPU settings to configure the Auto-Scale ranges you want to maintain. The image below demonstrates how to enable Auto-Scale on a Windows Azure Web-Site.  I’ve configured the web-site so that it will run using between 1 and 5 VM instances.  The exact # used will depend on the aggregate CPU of the VMs using the 40-70% range I’ve configured below.  If the aggregate CPU goes above 70%, then Windows Azure will automatically add new VMs to the pool (up to the maximum of 5 instances I’ve configured it to use).  If the aggregate CPU drops below 40% then Windows Azure will automatically start shutting down VMs to save me money: Once you’ve turned auto-scale on, you can return to the Scale tab at any point and select Off to manually set the number of instances. Using the Auto-Scale Preview With today’s update you can now, in just a few minutes, have Windows Azure automatically adjust the number of instances you have running  in your apps to keep your service performant at an even better cost. Auto-scale is being released today as a preview feature, and will be free until General Availability. During preview, each subscription is limited to 10 separate auto-scale rules across all of the resources they have (Web sites, Cloud services or Virtual Machines). If you hit the 10 limit, you can disable auto-scale for any resource to enable it for another. Alerts and Notifications Starting today we are now providing the ability to configure threshold based alerts on monitoring metrics. This feature is available for compute services (cloud services, VM, websites and mobiles services). Alerts provide you the ability to get proactively notified of active or impending issues within your application.  You can define alert rules for: Virtual machine monitoring metrics that are collected from the host operating system (CPU percentage, network in/out, disk read bytes/sec and disk write bytes/sec) and on monitoring metrics from monitoring web endpoint urls (response time and uptime) that you have configured. Cloud service monitoring metrics that are collected from the host operating system (same as VM), monitoring metrics from the guest VM (from performance counters within the VM) and on monitoring metrics from monitoring web endpoint urls (response time and uptime) that you have configured. For Web Sites and Mobile Services, alerting rules can be configured on monitoring metrics from monitoring endpoint urls (response time and uptime) that you have configured. Creating Alert Rules You can add an alert rule for a monitoring metric by navigating to the Setting -> Alerts tab in the Windows Azure Management Portal. Click on the Add Rule button to create an alert rule. Give the alert rule a name and optionally add a description. Then pick the service which you want to define the alert rule on: The next step in the alert creation wizard will then filter the monitoring metrics based on the service you selected:   Once created the rule will show up in your alerts list within the settings tab: The rule above is defined as “not activated” since it hasn’t tripped over the CPU threshold we set.  If the CPU on the above machine goes over the limit, though, I’ll get an email notifying me from an Windows Azure Alerts email address ([email protected]). And when I log into the portal and revisit the alerts tab I’ll see it highlighted in red.  Clicking it will then enable me to see what is causing it to fail, as well as view the history of when it has happened in the past. Alert Notifications With today’s initial preview you can now easily create alerting rules based on monitoring metrics and get notified on active or impending issues within your application that require attention. During preview, each subscription is limited to 10 alert rules across all of the services that support alert rules. No More Credit Card Requirement for MSDN Subscribers Earlier this month (during TechEd 2013), Windows Azure announced that MSDN users will get Windows Azure Credits every month that they can use for any Windows Azure services they want. You can read details about this in my previous Dev/Test blog post. Today we are making further updates to enable an easier Windows Azure signup for MSDN users. MSDN users will now not be required to provide payment information (e.g. no credit card) during sign-up, so long as they use the service within the included monetary credit for the billing period. For usage beyond the monetary credit, they can enable overages by providing the payment information and remove the spending limit. This enables a super easy, one page sign-up experience for MSDN users.  Simply sign-up for your Windows Azure trial using the same Microsoft ID that you use to manage your MSDN account, then complete the one page sign-up form below and you will be able to spend your free monthly MSDN credits (up to $150 each month) on any Windows Azure resource for dev/test:   This makes it trivially easy for every MDSN customer to start using Windows Azure today.  If you haven’t signed up yet, I definitely recommend checking it out. Summary Today’s release includes a ton of great features that enable you to build even better cloud solutions.  If you don’t already have a Windows Azure account, you can sign-up for a free trial and start using all of the above features today.  Then visit the Windows Azure Developer Center to learn more about how to build apps with it. Hope this helps, Scott P.S. In addition to blogging, I am also now using Twitter for quick updates and to share links. Follow me at: twitter.com/scottgu

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  • Automatically charge PayPal account?

    - by Mark
    I'd like to automatically charge my members a variable amount of money based on the services they use on my website. They would accumulate a balance owing, and then every week they would be charged for that amount. Is there a way I can do this without having to store their credit card information in my database? (Similar to my last question, but I just realized I don't really want to go through the headaches and liability issues of having to safely store CC info)

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  • Determining a transaction fee before an order is processed

    - by Kenji Crosland
    When users make credit card transactions on my web app, I'd like to include the transaction fee on the confirmation page before the user makes the order. The thing is, there are different transaction fees for different cards. Is there a way to determine a transaction fee from the card number? I'm using Rails and ActiveMerchant, but I figure this question was applicable to other languages as well.

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  • Accepting Payment with local debit cards from foreign countries

    - by megatr0n
    Hi all. I have an ecommerce website and I am currently accepting payments from visa, master card and all the other major cards. However, one issue I am having is accepting payment from customers using local debit cards. Say someone from China doesn't have a major credit and he wants to use his local debit card, I want be able to accept payment from him as long as its legal. How do I go about this? Thanks.

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  • Dropbox Doubles Referral Credit; Score 500MB for Each Friend You Refer

    - by Jason Fitzpatrick
    Dropbox is doubling the amount of free storage you get per-referral to 500MB, doubling the previous 250MB credit–better yet, the bonus is retroactive and applies to referrals you’ve already made. From the DropBox blog: How much space is that, exactly? For every friend you invite that installs Dropbox, you’ll both get 500 MB of free space. If you’ve got a free account, you can invite up to 32 people for a whopping total of 16 GB of extra space. Pro accounts now earn 1 GB per referral, for a total of 32 GB of extra space. Have you already invited a bunch of people? Don’t worry. Within a few days, you’ll get full credit for every referral that’s already been completed. Boom! Hit up the link below for the full announcement. Dropbox Referrals Now Twice As Nice [Dropbox] How to Sync Your Media Across Your Entire House with XBMC How to Own Your Own Website (Even If You Can’t Build One) Pt 2 How to Own Your Own Website (Even If You Can’t Build One) Pt 1

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  • I dont understand how Westpac Payway API and NET works

    - by spirytus
    Been googling all day, reading numerous pdf's and still getting confused with the concepts of sending data to Payway system from Westpac (bank in Australia, link text). They offer access via API but also give access via what they call NET. The way I understand is that when client want to pay on my website, in case of NET, client gets to the page (hosted by a bank or hosted by me) where is provided with form to enter credit card info details. Then this form is submitted via normal POST call to Payway's specific https address. It is processed then and browser returns to url I specified as one of the parameters I sent in hidden field. In case of API story is similar, so user receives form, fills in the data and then data is send to my backend (not Payway's). My backend then calls payway API with data provided and once answer received returns confirmation page to the client. Is my understanding right? Please explain as I have a feeling I am missing something basic here.

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  • Payment Gateways for Mid-Sized Business?

    - by Eric
    My company is a bit unhappy with the support we've been getting from Cybersource and we're about to embark on a billing re-write so we're taking the opportunity to look at other gateways. Anyone have any positive or negative experiences they'd like to share? I'd rather not hear about small website gateways like paypal, we run tens of thousands of transactions and millions a year. If you know, I'd love to hear how much you're paying in transaction/gateway fees too. We're primarily a .NET shop if you'd like to speak to a particular API. Gateway must support the big 4 credit cards (mc, visa, disc, amex) and ACH. Thanks in advance for the help from the hive mind. :)

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  • Assistance with CC Processing script

    - by JM4
    I am currently implementing a credit card processing script, most as provided by the merchant gateway. The code calls functions within a class and returns a string based on the response. The end php code I am using (details removed of course) with example information is: <?php $gw = new gwapi; $gw->setLogin("username", "password"); $gw->setBilling("John","Smith","Acme, Inc.","888","Suite 200", "Beverly Hills", "CA","77777","US","555-555-5555","555-555-5556","[email protected]", "www.example.com"); // "CA","90210","US","[email protected]"); $gw->setOrder("1234","Big Order",1, 2, "PO1234","65.192.14.10"); $r = $gw->doSale("1.00","4111111111111111","1010"); print $gw->responses['responsetext']; ?> where setlogin allows me to login, setbilling takes the sample consumer information, set order takes the order id and description, dosale takes the amount charged, cc number and exp date. when all the variables are sent validated then sent off for processing, a string is returned in the following format: response=1&responsetext=SUCCESS&authcode=123456&transactionid=23456&avsresponse=M&orderid=&type=sale&response_code=100 where: response = transaction approved or declined response text = textual response authcode = transaction authorization code transactionid = payment gateway tran id avsresponse = avs response code orderid = original order id passed in tran request response_code = numeric mapping of processor response I am trying to solve for the following: How do I take the data which is passed back and display it appropriately on the page - If the transaction failed or AVS code doesnt match my liking or something is wrong, an error is displayed to the consumer; if the transaction processed, they are taken to a completion page and the transaction id is sent in SESSION as output to the consumer If the response_code value matches a table of values, certain actions are taken, i.e. if code =100, take to success page, if code = 300 print specific error on original page to customer, etc.

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  • Payment Processors - What do I need to know if I want to accept credit cards on my website?

    - by Michael Pryor
    This question talks about different payment processors and what they cost, but I'm looking for the answer to what do I need to do if I want to accept credit card payments? Assume I need to store credit card numbers for customers, so that the obvious solution of relying on the credit card processor to do the heavy lifting is not available. PCI Data Security, which is apparently the standard for storing credit card info, has a bunch of general requirements, but how does one implement them? And what about the vendors, like Visa, who have their own best practices? Do I need to have keyfob access to the machine? What about physically protecting it from hackers in the building? Or even what if someone got their hands on the backup files with the sql server data files on it? What about backups? Are there other physical copies of that data around? Tip: If you get a merchant account, you should negotiate that they charge you "interchange-plus" instead of tiered pricing. With tiered pricing, they will charge you different rates based on what type of Visa/MC is used -- ie. they charge you more for cards with big rewards attached to them. Interchange plus billing means you only pay the processor what Visa/MC charges them, plus a flat fee. (Amex and Discover charge their own rates directly to merchants, so this doesn't apply to those cards. You'll find Amex rates to be in the 3% range and Discover could be as low as 1%. Visa/MC is in the 2% range). This service is supposed to do the negotiation for you (I haven't used it, this is not an ad, and I'm not affiliated with the website, but this service is greatly needed.) This blog post gives a complete rundown of handling credit cards (specifically for the UK).

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  • Best practices to store CreditCard information into DataBase

    - by Garis Suero
    In my country the online payments are not an old thing, the first time i saw a web application taking payments directly to a local bank account was last year. So, Im a newbie coding web payment system. My question is, what are the best practices to store creditcard information into the database... I have many ideas: encrypting the creditcard, database security restriction, etc. What have you done?

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  • Getting Help with 'SEPA' Questions

    - by MargaretW
    What is 'SEPA'? The Single Euro Payments Area (SEPA) is a self-regulatory initiative for the European banking industry championed by the European Commission (EC) and the European Central Bank (ECB). The aim of the SEPA initiative is to improve the efficiency of cross border payments and the economies of scale by developing common standards, procedures, and infrastructure. The SEPA territory currently consists of 33 European countries -- the 28 EU states, together with Iceland, Liechtenstein, Monaco, Norway and Switzerland. Part of that infrastructure includes two new SEPA instruments that were introduced in 2008: SEPA Credit Transfer (a Payables transaction in Oracle EBS) SEPA Core Direct Debit (a Receivables transaction in Oracle EBS) A SEPA Credit Transfer (SCT) is an outgoing payment instrument for the execution of credit transfers in Euro between customer payment accounts located in SEPA. SEPA Credit Transfers are executed on behalf of an Originator holding a payment account with an Originator Bank in favor of a Beneficiary holding a payment account at a Beneficiary Bank. In R12 of Oracle applications, the current SEPA credit transfer implementation is based on Version 5 of the "SEPA Credit Transfer Scheme Customer-To-Bank Implementation Guidelines" and the "SEPA Credit Transfer Scheme Rulebook" issued by European Payments Council (EPC). These guidelines define the rules to be applied to the UNIFI (ISO20022) XML message standards for the implementation of the SEPA Credit Transfers in the customer-to-bank space. This format is compliant with SEPA Credit Transfer version 6. A SEPA Core Direct Debit (SDD) is an incoming payment instrument used for making domestic and cross-border payments within the 33 countries of SEPA, wherein the debtor (payer) authorizes the creditor (payee) to collect the payment from his bank account. The payment can be a fixed amount like a mortgage payment, or variable amounts such as those of invoices. The "SEPA Core Direct Debit" scheme replaces various country-specific direct debit schemes currently prevailing within the SEPA zone. SDD is based on the ISO20022 XML messaging standards, version 5.0 of the "SEPA Core Direct Debit Scheme Rulebook", and "SEPA Direct Debit Core Scheme Customer-to-Bank Implementation Guidelines". This format is also compliant with SEPA Core Direct Debit version 6. EU Regulation #260/2012 established the technical and business requirements for both instruments in euro. The regulation is referred to as the "SEPA end-date regulation", and also defines the deadlines for the migration to the new SEPA instruments: Euro Member States: February 1, 2014 Non-Euro Member States: October 31, 2016. Oracle and SEPA Within the Oracle E-Business Suite of applications, Oracle Payables (AP), Oracle Receivables (AR), and Oracle Payments (IBY) provide SEPA transaction capabilities for the following releases, as noted: Release 11.5.10.x -  AP & AR Release 12.0.x - AP & AR & IBY Release 12.1.x - AP & AR & IBY Release 12.2.x - AP & AR & IBY Resources To assist our customers in migrating, using, and troubleshooting SEPA functionality, a number of resource documents related to SEPA are available on My Oracle Support (MOS), including: R11i: AP: White Paper - SEPA Credit Transfer V5 support in Oracle Payables, Doc ID 1404743.1R11i: AR: White Paper - SEPA Core Direct Debit v5.0 support in Oracle Receivables, Doc ID 1410159.1R12: IBY: White Paper - SEPA Credit Transfer v5 support in Oracle Payments, Doc ID 1404007.1R12: IBY: White Paper - SEPA Core Direct Debit v5 support in Oracle Payments, Doc ID 1420049.1R11i/R12: AP/AR/IBY: Get Help Setting Up, Using, and Troubleshooting SEPA Payments in Oracle, Doc ID 1594441.2R11i/R12: Single European Payments Area (SEPA) - UPDATES, Doc ID 1541718.1R11i/R12: FAQs for Single European Payments Area (SEPA), Doc ID 791226.1

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  • I lent my 3 USB modem to a friend because her Meteor USB modem had run out of credit.

    - by oddbyte7
    I lent my 3 USB modem to a friend because her Meteor USB modem had run out of credit. The 3 modem worked on her machine fine once the driver was installed. She bought Meteor credit a couple of days later, uninstalled the 3 driver and she only now seems to get on the Meteor server, when you try IE8 or Firefox you get the message “Page could not be found”. I uninstalled the Meteor driver and reinstalled…no change. The OS is Win_7 home edition. Any help would be much appreciated. Regards to all, oddbyte7.

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  • Is there a way to take credit cards on my website without needing a merchant account/payment gateway?

    - by Erik
    I've been looking for a service like this but can't find one -- it boggles my mind that such a thing doesn't exist. The ideal thing I'm looking for would be something like this: User fills out a form on my website I submit data to the service (cc #, payment amount) I get paid perhaps monthly by the service the amounts that were charged (less a fee) This is more or less how accepting paypal for payments works, except it takes my users to paypal's site and forces them to create a paypal account etc, which I'd like to avoid. Does such a service exist?

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  • How can I do monthly subscription credit card billing?

    - by NotDan
    I've written a subscription based web app that I want to charge (by credit card) a monthly fee. There are 3 different plans and once they sign up, they should be billed that amount, automatically, every month until they cancel. Is there an easy way to set this up (some sort of online service maybe?).

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  • ActiveMerchant - Optimal method of sending money to user? PayPal account or Credit

    - by Kevin
    I have a website that will take payments from user A, hold them in our escrow account, then transfer the money minus a fee to user B. I have the first part figured out, in terms of taking credit card payments from user A, but I'm trying to figure out the optimal method of taking that money and sending it to user B. I'm not storing credit card info due to privacy and I don't mind requiring user B to sign up for a PayPal account if they're going to use the system but I don't know how to directly send payments to a PayPal account. I'm using ActiveMerchant and the PayPal gateway on Rails 2.3.5. I'm also open to any suggestions as to what the optimal method is to take money from user A, hold it for 1-60 days, then transfer it to user B while incurring minimal fees and something I can implement in Rails hopefully that won't cause me to have an aneurysm.

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