There are many articles on the web that will discuss e-commerce.
Here is a brief overview.
We will first describe how to
collect funds from someone's personal or business checking account.
The balance of the page will cover the collection of funds via
credit card. We allow our customers to make payment from their
checking accounts. We offer online e-checks available through a
secure site at
PayByCheck. We highly
recommend their service. We also have a software
program that allows us to print checks on our own computer - using
the information you provide via fax, phone or email. We can
then take the check we printed ourselves to our own bank and deposit
it. There are a number of programs available.
The second method is collecting funds via credit card. We use
and recommend the services of Humboldt Bank to obtain your own
credit card Merchant Account. With a Merchant Account, you can
offer secure credit card processing "real-time" online. You
can also process credit card payments by collecting the information
by phone, fax, or in person. With a "Gateway" account (we use
Authorize.net), you are able to have credit card payments go
directly to your card processor. The money is then
automatically deposited into your banking account. By clicking
on the banner link below, you can apply to Humboldt Bank and be on
your way to doing business online quickly! Using our link also
gives you access to lower-than-industry-standard fees. If you
call directly, tell them you host with Khimaira so that you can get
the special rates, or let us know and we'll make the contact for
you. Apply today and be ready to take credit
cards within a day or two!
Another way to accept credit cards is through PayPal. They provide instant and secure online payment
service. PayPal is recommended by CNET as "the most reliable personal
payment service." PayPal was recently named one of the 50 Most
Important Private Companies in the World by Red Herring, one of the
Top 25 New Companies by Fortune Small Business, and a Forbes
Favorite Website in the magazine's latest "Best of the Web" issue.
Uee the link below to set up your PayPal Merchant account:
We like PayPal because:
It is extremely reliable
It is extremely easy to implement
The setup and monthly fees are zero;
you only pay a small per transaction fee.
For a personal account, everything is
free at PayPal, but you cannot easily set-up the collection of
funds through your web site. If you sign-up for their "business
account", the usage fees are low. You pay no set-up fee and only 30 cents
plus as low as 2.2% per transaction.
PayPal has detailed
information for various ways to collect payments, and you can be 'up
and running' very quickly!
The downside of PayPal is that you
can only accept credit cards online. You are not able to take
the information by phone, fax or in person, as you can do with a
credit card Merchant Account (discussed above). For this
reason, most businesses accept both PayPal AND have a merchant
account to accommodate buyers who prefer not to buy directly online.
This gives your customers options and increases the likelihood of
When you are ready to set up a shopping cart
on your site, to make it easy for customers to buy your products or
check our our special
offer with Dansie Shopping Cart!
All of these methods of payments can be used with this cart!