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CC Payments

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Gullanian View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Gullanian Quote  Post ReplyReply Direct Link To This Post Topic: CC Payments
    Posted: 05 September 2005 at 6:20am
Is it possible to collect CC numbers and details and just bill them yourself?

I think I record someone telling me about a card not present transaction on a till or something...  Or do you have to use an Internet Merchant?
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Bluefrog View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Bluefrog Quote  Post ReplyReply Direct Link To This Post Posted: 05 September 2005 at 10:55am
You can do it if you have a credit card processing account  - which varies according to the place.

I'd make sure to really harden whatever box you are using though to store it if you do - you don't want to get hacked.

Personally, I'd try to find a payment solution that will do it for you - to absolve youserlf of  any responsibility in case anything goes wrong.

I used to keep credit cards on file in paper under lock and key, but not on disk. I still refuse to keep passwords on disk unless they are protected with strong encryption and not programmatically available, and not available over a network (i.e. not on a server). If I get hacked, I prefer it to be locally Ouch

Cheers



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dpyers View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote dpyers Quote  Post ReplyReply Direct Link To This Post Posted: 05 September 2005 at 11:23am
Once you start collecting credit card details you up the risk exposure to a whole new level. The cc companies and whoever you hae a merchant account with will want to review your security and will also hit you with higher fees.

Lead me not into temptation... I know the short cut, follow me.
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the boss View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote the boss Quote  Post ReplyReply Direct Link To This Post Posted: 06 September 2005 at 7:38am
not a sensible option unless u are a big company and pay for hiring full time security professionals followed by programmers expertising in security based coding and stuff.. also consider how many credit cards u r goin to process in a day.. 100, 200, 500, 1000????? still very small numbers to offset your spenditure in infrastructure to store CC Numbers.

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dpyers View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote dpyers Quote  Post ReplyReply Direct Link To This Post Posted: 06 September 2005 at 7:50pm
I've done it before but the db with the cc info on it was on a separate db server from that used for the rest of the customer info and was behind 2 levels of dmz's. Hitting it from the web side or from the lan side was restricted to specific process id's that were registered when the server came up and bound to specific ports and protocols.

Only specific MAC id's on the lan were allowed to do a virtual "swipe" of the card. The tiotal cost of the cc app - hardware and development - was around $100k but the client was hitting 50-100 cards a day for $1200-$2500 each so there was some cushion.

After all business was concluded (which could take a few weeks), the customers card info was erased - not just deleted. The only reason why they held the card info in the first place was because legally they could only "swipe" the card after they were well into the business process.

Lead me not into temptation... I know the short cut, follow me.
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