Please could anyone with experience of providing ecommerce solutions give me a general understanding of how the ‘Standard’ credit card payments work on the internet from a development point of view? I’m a junior developer (php/mysql/xhtml) and was trying to put together my first website that can take credit cards for bookings. And I have absolutely no experience of doing this. I have built everything up to the point of ‘enter your card information below’ – but then have no idea where to go after that? I have all the variables collected in my submit script, but I don’t what I’m supposed to interact them with in order to get a confirm or denial. I want something official, not a home written script that could be subject to flaws.
Trying to research this is bemusing me, I’m looking at payment gateways, worldpay, verisign, commerce software, merchant accounts, verification scripts etc etc! I don’t know what to do.
What I want to accomplish is this:
– The user is all the time on my site and never leaves to another payment site
– I have a shared ssl certificate with my hosting for the security of the users form.
– I am not really interested in client side javascript card validation.
– If the credit card details are wrong after submitting, I want my form to come back and say so immediately, (not phone you later)
– And if the credit card details are correct, I would like the payment to go through straight away.
– I don’t want to give percentages per transaction, like paypal, as this would force me to adjust my prices. I would rather purchase or build the system now to collect 100% of price thereafter.
The system I want is exactly like the bigger shop sites out there. e.g.
Order confirm > User Details > Card Details > Payment Confirmed/Denied.
I am competent in php but don’t know what to do architecturally to get what I want – and to conform to what is legal and secure and sensible. What services or scripts do I have to acquire? What do the e-commerce infrastructure/systems of the big shop sites look like? Like Tesco, Staples, Wallmart etc.
If anyone can help give me this lesson, it will be much appreciated!
Thanks.