HSBC Secure ePayments

[Golf Tee Warehouse]

We have used Actinic Payments for four years and as with all PSP's we get some drop outs at the payment page. We usually follow up these drop outs with an quick email and usually recover over 80% of the dropouts. Usually the reason for the dropout is some technical problem or card rejection, etc and sometimes due to the presence of 3D secure, but have only ever had one or two customers state they had any concerns over the Actinic Payment page or it's security and the reason given in that case was that they were taken away to another page and were concerned that they were being scammed, but I guess the same would be true of SagePay, etc.

I initially had concerns that the name and appearance of the Actinic Payments page would lose a lot of customers but can honestly say I have seen very little evidence that it is a problem to more than a negligible percentage of orders and would happily recommend AP for it's integration which is particularly useful if you get a phone call from a customer asking to tag an extra item on their order which can be charged for with a single button click in the Actinic backend.

[feemish]

thanks for that Darren.

[cbarling]

Just a few notes to add to this discussion:

- SellerDeck have done a survey of consumers and found that the only payment provider that has a brand that's reasonably known is Paypal. In fact, around 80% can't name any payment provider other than Paypal.

- the integration of SellerDeck with Actinic Payments is only going to grow over time.

- Creditcall (the solution behind Actinic Payments) is a very significant provider with an unequaled reliability record. It was the first payment provider on the planet to obtain PCI DSS accreditation in two regions and processes vast numbers of payments a month. It's the UK and US market leader for unattended payments like car parks, vending machines etc as well as having significant ecommerce traffic.

I think once you've experienced the integration (including fraud checks and refunds/commits, telephone payments etc) plus ease of reconciliation, you will never look back.

Of course, I am prejudiced

Chris

[Ian Clyde]

Chris/Darren, thanks for those thoughts. Thats a good point about being able to charge customers at the click of a button for extra items, its always been such a pain in the past to have to re-take card details and re-enter them into the system. I think I'm converted to AP now.

[feemish]

thanks for the comments Chris

[Ian Clyde]

Sorry....one last question. If when using Actinic Payments the Actinic back-end allows you to easily charge the customer for additional items requested after the order has been placed does this mean the credit card details are being stored in the software then? For PCI compliance I'm only a level 4 user and would not want to go down the road of having to have security metrics run extra checks/PC scans etc.

Grateful for any thoughts......thanks.

[Golf Tee Warehouse]

No the card details are not stored locally, I am not sure how it works, but guess when you request the extra payment from the Actinic backend a request is sent to Actinic Payments/Creditcall.

[feemish]

The card details are held on the Actinic Payments Secure server.. not on your machine.. or on the server that hosts your website... I think

[Ian Clyde]

Mark/Darren - thats great, many thanks.

[swardell]

The Actinic (SellerDeck) Payments system does not store any card information locally, or on your web server or web site.

Data that is needed for the repeat of a transaction is stored by CreditCall in their fully PCi-DSS systems and facilities.

[Ian Clyde]

Thanks for that Steve

[feemish]

the downside of Realex that they have a problem with being able to accept Amex payments then its a no-brainer to go with Actinic Payments.

Realex have told me that the inability for their integration to accept amex payments is down to actinic (sellerdeck) Is that true? Are actinic doing anything to upgrade the Realex integration so that it can accpet amex payments?

[Duncan Rounding]

Sounds strange. The card selection is done on the Realex page surely.

[feemish]

I would have thought so yes. It does sound like they are passing the buck for some reason. Just thought maybe someone from sellerdeck might clarify?

[feemish]

More details from Realex.

Accoridng to them the reason why the Realex integration cannot accept Amex cards is that the Actinic code only accepts one sub-account.

They say the HSBC Secure Epayments integration did accept more than one sub account.. so that worked fine with Amex... but that the Realex integration is only set for one sub account?

Anyone from Actinic care to comment whether they will be upgrading the Realex integration to accept more than one sub-account?