Information on e-commerce and some of the steps required. aSplash.com Ltd are here to help with your choices and have expertise in building online shops for many companies in England and Wales. We enjoy shopping, and build shops you can manage and your customers can enjoy. See range of shopping carts here, or bi-lingual shopping carts here

 

 

 

8Which Shopping Carts can be integrated with the PSP’s
aSplash.com Ltd have two recommendations for shopping carts which can either be fully integrated with your bank or enable you to log on and process credit card payments manually. In either case you should have an Online Merchant ID.


Mal’s e-commerce can be integrated with ProtX, Secpay and  Worldpay at a charge of $6 US per month payable 3 months in advance or they make no charge if you wish to process the credit card payments yourself or if you wish to use Pay Pal or NoChex.

If you want to keep a copy of the shopping cart on your computer and you want to make changes to the shop yourself:
Actinic [either Catalog or Business] can be integrated with ProtX, Secpay and Worldpay, PayPal or NoChex

Hosting your shopping cart
The final piece of the jigsaw is to have your online shop hosted with a hosting company who support your particular shopping cart and payment gateway, and who will take responsibility for keeping the scripts associated with the cart current.
aSplash.com Ltd recommend hosting with www.scl.co.uk who are resellers for Actinic Catalog or Actinic Business and integration with ProtX for any shopping cart option where a complete integration is required. Reductions in costs are available if you purchase Actinic and your hosting online at www.scl.co.uk and you can complete your online application for ProtX on the same site.
If you choose Mal then secure hosting is not required for the shop, but we would still recommend hosting your website with SCL who will ensure the security of your data and provide secure access to the administration of your shop.

Please note: The information is correct at the time of writing, the charges and banks account details each payment service provider accepts are subject to change by the payment service provider, see the payment service providers website for full details.


If you need any more information or help with online credit card payments or your online business please contact aSplash and we would be more than happy to help.

 

What Do I Need To Accept Credit Card Payments Online?

To accept Credit Card Payments online you will need to obtain an Internet Merchant Account and an Online Payment Services Provider (PSP).
4An Internet merchant account is an account with a financial institution that enables you to accept payments over the Internet. This is distinct and separate to any merchant account that you may already have with a bank. Before you can accept credit cards online, you must obtain an Internet merchant account that will work with the payment method you chose to accept on your Web site. Internet merchant accounts can be from your own bank or any other bank of your choice.
To apply for an Internet merchant account you must first decide who you are going to use to accept payments on your web site as this information will be needed to process your application. Applying for an Internet merchant account will take typically 3-4 weeks.
A Payment Service Provider acts as a gateway between your e-commerce system and the banks. The PSP takes payment details from your customer, checks the details with the appropriate bank, and sends the result of the check back to your system. Authorization or rejection of the transaction is completed within seconds, so you know whether or not to proceed with your customer's order. The PSP also takes care of the final settlement of the transaction (i.e. when the money is paid into your merchant account).
There are many Payment Service Providers available to UK based businesses. The main PSP’s for the UK are

* Whereas most payment services providers will only accept online credit card transactions from web sites that have an Internet Merchant account Worldpay and Netbanx do not require you to have one. Worldpay and Netbanx will provide you with an online merchant account if you do not have one with an acquiring bank.
** Barclays EPDQ can only be used with an Internet merchant account from Barclays.
*** You must have an HSBC Bank Business Account or have had an HSBC card processing relationship for at least a year.

How to Choose an Online Payment Services Provider

6How much will it cost?

One of the main concerns when choosing an Online Payment Service Provider is the cost. The processing costs for each Payment Service Provider are shown below:
These charges are separate from the charges from your acquiring bank. If you are expecting to process a very large amount of Internet transactions many of the PSP’s (payment service providers) listed below will be wilingl to negotiate a better rate.

Worldpay

£75 setup fee, £150 annual charge, 1.5% - 4.5% by negotiation.

Protx

Protx offer two types of accounts, the account you will be able to use, will depend on the number of transactions that you expect to process per month.
Small business service : £20 monthly charge with no transactions costs.
Corporate payment service : fixed costs of 10 pence per transaction.

Secpay

Secpay offer two types of accounts, the account you will be able to use, will depend on the number of transactions that you expect to process per month.
Low volume service : £50 setup fee, £10 monthly charge and 1.9% or 39 pence fixed fee per transaction.
High volume service : £50 setup fee, £20 monthly charge and 1% or 20 pence fixed fee per transaction.

Datacash

Contact Datacash for individual prices.

Netbanx

£500 setup fee and 5% to 10 % per transaction, this rate depends on volume of transactions.

Secure Trading

£195 annual fee and 1.5% per transaction.

Barclays EPDQ

Contact Barclays for individual prices.

HSBC Secure EPayments CPI

By individual negotiation, your charges will be calculated according to your specific business needs.
PAYPAL
If you don't have a merchant account or can't get one then try Paypal. You require a Business account with them. No merchant account required see their website for current costs, mostly free but has been taken off line a few times due to security issues.
NoChex
NOCHEX allows you to accept instant, guaranteed, low cost payments from anyone with a UK credit/debit card. Making it ideal for website and auction payments

Which bank accounts can I use?

The other thing you will need to know is which acquiring banks each Payment Service Provider supports. The acquiring banks each PSP supports are shown below:

*No merchant account needed, this service is suitable for small business’s that either do not fulfill the criteria to become a direct merchant, or do not wish to go through the application procedure with an acquiring bank. However costs can be higher so it is best to make comparisons first.

 

8Which Shopping Carts can be integrated with the PSP’s
aSplash.com Ltd have two recommendations for shopping carts which can either be fully integrated with your bank or enable you to log on and process credit card payments manually. In either case you should have an Online Merchant ID.


Mal’s e-commerce can be integrated with ProtX, Secpay and  Worldpay at a charge of $6 US per month payable 3 months in advance or they make no charge if you wish to process the credit card payments yourself or if you wish to use Pay Pal or NoChex.

If you want to keep a copy of the shopping cart on your computer and you want to make changes to the shop yourself:
Actinic [either Catalog or Business] can be integrated with ProtX, Secpay and Worldpay, PayPal or NoChex

Hosting your shopping cart
The final piece of the jigsaw is to have your online shop hosted with a hosting company who support your particular shopping cart and payment gateway, and who will take responsibility for keeping the scripts associated with the cart current.
aSplash.com Ltd recommend hosting with www.scl.co.uk who are resellers for Actinic Catalog or Actinic Business and integration with ProtX for any shopping cart option where a complete integration is required. Reductions in costs are available if you purchase Actinic and your hosting online at www.scl.co.uk and you can complete your online application for ProtX on the same site.
If you choose Mal then secure hosting is not required for the shop, but we would still recommend hosting your website with SCL who will ensure the security of your data and provide secure access to the administration of your shop.

Please note: The information is correct at the time of writing, the charges and banks account details each payment service provider accepts are subject to change by the payment service provider, see the payment service providers website for full details.


If you need any more information or help with online credit card payments or your online business please contact aSplash and we would be more than happy to help.

 

Contact us now to discuss your web project >>>

With 20 years successful design and marketing experience behind us, we can provide you with the style and image best suited to promote your company. Every business has an unique character, and so each web site varies, but as a guide our web sites start at around £450.00

Please take the time to look at our recent web design portfolio, then why not call or fill out our contact form and ask for Jane Davies or Jos Davies, we look forward to working with you.

Valid CSS!
RBS WorldPay Internet Payment Solution
Pay Point formerly SecPay secure payment gateway
SagePay formerly Protx processes online payments for your shopping cart