Custom Payment Method

[ekimonfi]

Hi There,

I think this topic may have been covered before, but I cannot find a resolution so I appologise if its old news!

What I would like to do is to treat credit cards and debit cards seperately. I mean two seperate payment methods. Is there some way that I can duplicate the current credit/debit payment method?

I should then theoretically be able to apply a surcharge to credit cards whilst leaving debit cards alone.

Thanks!

[bamboo]

I should then theoretically be able to apply a surcharge to credit cards whilst leaving debit cards alone.

Are you mad?
There is one thing you need to understand about internet retailing. Customers can ditch your store/site/shopping/cart/order process with the click of a mouse in a fraction of a second. Unlike a real world shop where they can be 'embarrassed' into accepting such charges by a human checkout operator.

I'll go further most online customers are looking for a reason not to trust the retailer and IMHO a credit card surcharge is more than enough to send them on their way.

[ekimonfi]

psychic evaluations aside, can this be done?

[ekimonfi]

Incidentally it is not that unusual for airlines to charge a credit card fee.

This is for a flight school

[RuralWeb]

You should be using a psp so it would be done there rather than in actinic

[bamboo]

Incidentally it is not that unusual for airlines to charge a credit card fee.

This is for a flight school

Sorry but I cannot see the correlation.

Mal is perfectly correct a PSP is essential if you are intent on going down this road.

[ekimonfi]

I have read the pros and cons in the other topics I didn't really want a debate on whether I should do this as that has already been covered. Mal the psp is a nice suggestion but unless I am mistaken, the PSPs I have used just take a value and process it so you'd still need to calculate that before you got there. Also they would not differentiate between cards at any level that you would control.

However,
We can do surcharges on different payment methods.

If we used two different PSPs we could put a surcharge on one but not the other - correct?

How can I create my own payment method based on the credit card one that is already there, can I copy this?

[Mike Hughes]

AFAIK Actinic only allows one instance of each payment method so you can't have two versions of the CC capture page (or of the same PSP).

You could potentially have a PSP for credit cards (with the surcharge) and the on page capture for debit cards. The on page capture doesn't comply with the PCI-DSS requirements and the card companies are now clamping down on this.

Two PSPs would work. You would need to disable credit cards on the debit card one.

Personally, I would forget the surcharge idea, negotiate a good deal on the CC fees and promote the 'no surcharge' as a benefit. At the end of the day though it's your business and you know it best.

Mike

[Rich Brady]

Personally, I would forget the surcharge idea, negotiate a good deal on the CC fees and promote the 'no surcharge' as a benefit.

If you're a member of the FSB then you can get reduced CC fees from Streamline. They'll even set up Merchant Accounts (You'll need one for your PSP account) for you at no cost, usually £100. All you have to do is provide the your FSB membership number.

[ekimonfi]

Thanks for all your input guys, I do appreciate that surcharges give internet shops a bad name and that a PSP would be far better! The problem is that I can't force my client to go with this despite trying to convince them of the benefits on several occasions!

Technically, it does seem like a won't rather than can't problem though...

[Darren B]

Mike has already told you its a cant, unless you get someone to write you your own payment intergration pages using the actinic kit, then rely on your customer to select the card type they have in the checkout then they get bounced to a psp it will have the charge on it.

If your client is that stubbon over 2% credit card charges then i doubt he would survive a recession when you cant absorb this into your day to day business.

[ekimonfi]

Mike has already told you its a cant, unless you get someone to write you your own payment intergration pages using the actinic kit, then rely on your customer to select the card type they have in the checkout then they get bounced to a psp it will have the charge on it.

If your client is that stubbon over 2% credit card charges then i doubt he would survive a recession when you cant absorb this into your day to day business.

So what is the actinic kit? I've not seen any reference to that.

You should open a business advice section on this forum so people interested in that side of things can read it.

[bamboo]

forget the surcharge idea, negotiate a good deal on the CC fees and promote the 'no surcharge' as a benefit.
Mike

Best advice ever if you and your client want to trade online IMHO!

[fergusw]

You should open a business advice section on this forum so people interested in that side of things can read it.

It's the development toolkit to allow PSP's to develop their own plugin API to Actinic to offer their payment service.
It starts at £1000

http://www.actinic.co.uk/products/toolkit-psp.htm

[ekimonfi]

It's the development toolkit to allow PSP's to develop their own plugin API to Actinic to offer their payment service.
It starts at £1000

http://www.actinic.co.uk/products/toolkit-psp.htm

Many thanks fergus.