How do I get card/paypal payment on line

sebastianj

Dear all,
I have learnt and designed my own website. How do I add credit card payments to it?
Am aware of talking to the Merchant bankers etc; I just want the HTML coding or what ever? Is there a book I can read?
Any help most appreciated.
Sebastian

loksat

read this link.. It should help you set up one.

PAYPAL

buglawton

And don't forget Google Checkout, may be more complicated to add technically, will cost 50% less than Paypal in fees.

richt71

Yep paypal is easy if you go to merchant services them have a some payment buttons for you to use encoded with your unique paypal addy..just copy and paste or you can use their code to embed if you are a bit more advanced with coding!

Bob63

Please give some very serious consideration to doing business online. As a merchant you are 100% liable for fraudulent transactions. If, for example, a payment is made to you and the card turns out to be stolen it is you that are liable, not Google or PayPal. If a customer says that the goods didn't turn up then again it is you that will get the chargeback from the card processor. You don't say what sort of goods you are going to sell or what the value is, but this has a large bearing on the level of fraud and/or other problems that you may attract. Sell large value goods which are easily converted into cash such as jewellery and you will attract every fraudster in the country - and the amount you lose on a single transaction could really hurt your business. Sell small value goods like CDs or DVDs and you will still attract fraud but the amount you lose on each transaction will be small and therefore have less impact.

Furthermore, distance selling regulations are great at protecting the consumer who can tell you within 7 days of receipt of the goods that they don't want the item any more. In this case you will be liable to refund in full the purchase price and the original postage, although if you state it clearly in your return policy then you can make the customer liable for the return postage back to you. What you then get back is second hand goods - because the customer doesn't have to return the item unopened. They are allowed to perform a reasonable inspection of the goods which may involve cutting open the packaging. Certain goods are exempt but overall it is the consumer that wins, not the retailer.

Mike

buglawton

The above sounds so off-putting... then I have to pinch myself and remember that on-line sales of everything in the UK are growing while the high street is shrinking. Should only huge co's deal on-line?

We had a case where a buyer claimed to Visa there were a lot of fraudulent transactions on their card. Our transaction got rolled, by mistake, into these, resulting in our first Paypal chargeback in several years of business. Paypal are fighting it with Visa on our behalf based on the copious documents we supplied in evidence (this was a rare case where Paypal's usual Buyer protection did not apply - we use our own methods sometimes to gauge the risk).

Even if we lose this one, we will have done our best and will have to absorb the loss. This does not stop us doing business!

You have to decide if you are generally the kind of person who wants to be in business or not. then get ready to take the rough with the smooth. If you become expert in your product area you will create a satisfied customer base and earn some money.

Bob63

buglawton wrote: »

Even if we lose this one, we will have done our best and will have to absorb the loss. This does not stop us doing business!

You have to decide if you are generally the kind of person who wants to be in business or not. then get ready to take the rough with the smooth.

I agree with both of these sentiments but it would be unwise to set up on-line business without a full understanding of what can go wrong and why. I act as technical advisor to a well known and very popular on-line jewellery selling website and can testify to the problems that such a business attracts.

Choose your product and your market properly and you may minimise the risk.

bingo_bango

cheesy.mike wrote: »

Furthermore, distance selling regulations are great at protecting the consumer who can tell you within 7 days of receipt of the goods that they don't want the item any more. In this case you will be liable to refund in full the purchase price and the original postage, although if you state it clearly in your return policy then you can make the customer liable for the return postage back to you. What you then get back is second hand goods - because the customer doesn't have to return the item unopened. They are allowed to perform a reasonable inspection of the goods which may involve cutting open the packaging. Certain goods are exempt but overall it is the consumer that wins, not the retailer.

Mike

In general, Mike is correct, but just to clarify....

It's 7 WORKING days, not just 7 days.

Mike is 100% correct. If you state that return postage for NON-FAULTY items is at the customer's expense...then they pay, and Distance Selling Regulations will back you up.

As for unopened items, that would generally only apply to OEM items, which are unbranded, and generally don't have any spec listed on the box. e.g. If it tells you you have bought a dvd recorder on the outside of the box, then that's what it should do. If they return it because they thought it was a PVR, then they have no right to do so.
If it tells you the spec on the packaging, then the consumer has to read it. If they don't, then that's their problem. They can't then return it after opening and trying it.

I'd still like to know if you're selling a product or service though!

Bob63

bingo_bango wrote: »

As for unopened items, that would generally only apply to OEM items, which are unbranded, and generally don't have any spec listed on the box. e.g. If it tells you you have bought a dvd recorder on the outside of the box, then that's what it should do. If they return it because they thought it was a PVR, then they have no right to do so.

I'm 99% certain you are wrong having gone into the regulations in some detail in the past. A customer can cancel the contract within 7 days for any reason and does not have to state that reason. The customer does have the right to make any reasonable inspection of the goods. If they decide it is just the wrong shade of silver and doesn't go with their eyes, then they can cancel the contract. The example you quote wouldn't apply because the customer doesn't have to tell you why they are cancelling.

As previously stated, there are certain exceptions and these are clearly defined and applied to certain goods and services.

I'll see if I can dig out the guidance papers published by the government.

Mike

Browntoa

distance selling

http://www.oft.gov.uk/advice_and_resources/resource_base/legal/distance-selling-regulations/

and

http://www.tradingstandards.gov.uk/cgi-bin/calitem.cgi?file=ADV0051-1111.txt

Your right to cancel, or the 'cooling off' period
The Distance Selling Regulations give you the right to change your mind and cancel an order within seven working days. If you do decide to cancel, you should put this in writing, either by letter (a proof of postage certificate or even recorded delivery would be wise), or you can fax or email. A telephone call is not sufficient, unless both you and the trader agree otherwise. The time limits are as follows:
Goods: Seven working days after the day on which the goods are received;
Services: Seven working days after the day on which you agree to go ahead with the agreement.

The trader may charge you for the cost of collecting the goods, or you may have to pay the return postage yourself, unless the goods were faulty in the first place

Bob63

http://www.oft.gov.uk/shared_oft/business_leaflets/general/oft698.pdf

This leafleat from the OFT provides excellent guidance for anyone considering offering goods through some form of distance selling e.g. telephone, mail order or Internet. Much of the right to cancel stuff is dealt with in Section 3.

As a consumer it is a great read because it sets out all your rights and gives you something to string up any vendors who aren't playing ball and giving you a hard time. Use the contents of this leaflet if you decide to refer the trader to Consumer Direct (aka Trading Standards). The distance selling regs are the best thing to happen to consumers in a long time.

As a vendor it is a terrible read because it sets out exactly how much you can lose. Pay particular attention to the sections talking about goods which have been opened for inspection, and to the payment for return of goods. You should ensure you set this out clearly on your website.

There are some glaring examples of large companies who do not comply with the distance selling regulations. Motorcycle accessory and clothing company Hein Gericke state in their returns policy "Please note that delivery charges are not refunded." This is wrong and a consumer would be well within their rights to challenge the company for the return of the money.