This is very interesting.....
There seems to be a wide range of opinions here, thus we should also assume that there will be a similar range of opinions from buyers.
To me these are the salient points
A site that uses its own SSL cert could either be very big thus doing all is processing inhouse, or very small, ie potentially downloading CC detail onto an insecure PC. An SSL cert can be purchased for as little as £50.
A site that uses a PSP can aso be very big (sainsbury's use worldpay) or very small. A site that uses a PSP (especially WP and soon Paypal) could be using it because they don't have a merchant acct. (Protx, secpay require a separate merchant acct). Sites that use a PSP do not see the CC detail as it is not forwarded to shopowners.
Sadly, your average shopper does not know the above info.
Savvy internet shoppers will, most developers in this community are savvy buyers who also adopt extra checks before parting with cc info.
Personally I don't buy from a site I perceive to be small as I don't want my CC downloaded to an insecure PC. I will buy from a site I perceive to be small if they use a PSP. Others have said they will buy from a small store if they accept Paypal as this offers the same level of security ie the shopowner does not get your CC detail.
Thus its horses for courses, each business owner has their own preconceptions, and must decide on their method of collecting payment accordingly
There seems to be a wide range of opinions here, thus we should also assume that there will be a similar range of opinions from buyers.
To me these are the salient points
A site that uses its own SSL cert could either be very big thus doing all is processing inhouse, or very small, ie potentially downloading CC detail onto an insecure PC. An SSL cert can be purchased for as little as £50.
A site that uses a PSP can aso be very big (sainsbury's use worldpay) or very small. A site that uses a PSP (especially WP and soon Paypal) could be using it because they don't have a merchant acct. (Protx, secpay require a separate merchant acct). Sites that use a PSP do not see the CC detail as it is not forwarded to shopowners.
Sadly, your average shopper does not know the above info.
Savvy internet shoppers will, most developers in this community are savvy buyers who also adopt extra checks before parting with cc info.
Personally I don't buy from a site I perceive to be small as I don't want my CC downloaded to an insecure PC. I will buy from a site I perceive to be small if they use a PSP. Others have said they will buy from a small store if they accept Paypal as this offers the same level of security ie the shopowner does not get your CC detail.
Thus its horses for courses, each business owner has their own preconceptions, and must decide on their method of collecting payment accordingly
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