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| Thread ID: 30984 | 2003-03-08 10:11:00 | Website credit card alternatives? | Heather P (163) | Press F1 |
| Post ID | Timestamp | Content | User | ||
| 126624 | 2003-03-08 10:11:00 | I have a client who keeps trying to find ways to avoid being a Credit Card Merchant whilst running a website. Reason? Cost. Her latest ideas are Paypal and moneybookers.com Now it seems to me that using only Paypal limits your sales to Paypal members only Using moneybookers.com means changing the buyme links to their shopping cart and only selling to members UNLESS you are a credit card merchant so that you can accept credit cards (ie pay twice - once for moneybookers and a second time for the credit card). Any ideas people? If you were buying over the web would you go for some scheme (if so, which one?) or would you prefer to plug in your credit card? My own view is I'd prefer the credit card as it has bank guarantees behind it. |
Heather P (163) | ||
| 126625 | 2003-03-08 10:20:00 | i heard of this lady who had a 2 credit cards 1 with her normal $2000 limit and 1 with a $200 limit especialy for internet purchases. Maybe short term small credit cards with $200 limit internet purchases would be a good idea?The idea being $200 was a better loss than $2000. maybe there is a way of doing this for less of a cost because there is less to lose and it is also less to recover if lost. |
onlyme (2934) | ||
| 126626 | 2003-03-08 10:35:00 | The question is from the other perspective - the owner of the site looking for alternative methods for you to pay her other than with a credit card. She keeps coming up with these things which involves me in hours of unpaid research! |
Heather P (163) | ||
| 126627 | 2003-03-08 11:03:00 | You wouldn't be able to hint at what sort of business we're dealing with would you? Goods, services? How frequently can purchases be expected? Does the system need to be fully automated? Is it all NZ based or are there purchases from overseas as well? If we're talking about a non-automated (well not full automated) system you may find that bank deposits are fine with in NZ. Most people that are looking at purchasing via the internet will have internet banking and be able to make the transfer on the spot. Personally I prefer the idea of a deposit or paying by credit card. I prefer to not have to rely on a third party. |
-=JM=- (16) | ||
| 126628 | 2003-03-08 11:14:00 | - Goods - Few at present but dreams of millions - Probably more likely to sell in NZ due to shipping costs but dreams of international sales (did happen - sale overseas for delivery to local address) - Currently manual processing of credit card orders - shopping cart captures credit card info, processed off line. My own view is that if buying over the web I'd rather use a credit card as: a. it has a bank guarantee (if the order doesn't arrive you have an easy come-back) b. I can't be bothered setting up an account with a 3rd party who may or may not be around tomorrow. But trying to convince my client of this.... that's why I ask if anyone knows of/ uses/recommends alternatives to credit cards. And if so, would they use them? Actually, suggesting payment sales via virtual cheques wouldn't be a bad idea. Must think on this one (ie how much work it would involve me in) |
Heather P (163) | ||
| 126629 | 2003-03-08 12:02:00 | Well if they don't mind checking their internet banking frequently and matching up the transactions. It is by far one of the safest methods of the transaction going through as in no credit card info being sent over the internet. Also if the goods maybe being purchased by people under the age of 18 they can find it difficult landing their hands on the parents credit card and arranging to pay the money back. |
-=JM=- (16) | ||
| 126630 | 2003-03-08 22:38:00 | Hi Heather, Whats wrong with a good old Direct Credit? |
Baldy (26) | ||
| 126631 | 2003-03-08 22:54:00 | I know this isn't exactly the question been asked but i thought i'd clarify some of the posts been made. 1. The encryption used in internet purchases is very strong, it would take an average computer hundreds of years to break the encryption by brute force!!! 2. If someone got your credit-card details and starting raking up bills on it, you would only be liable for $50 max. (have a look at your T&C) So there is no use having a credit card with a $200 limit,. |
roofus (483) | ||
| 126632 | 2003-03-08 23:53:00 | Baldy, if you were browsing a web site for a one off purchase with a company you've never dealt with before - how would you want to pay for that purchase? Pop in a credit card number - knowing that the bank will refund your money if the goods don't arrive, or pay by direct debit and take the chance that the site is legit? Or are you a fully fledged member of something like Paypal (or similar) just waiting for web sites to join the scheme so that you can go wild and buy? What NZ alternatives are there to schemes such as Paypal? |
Heather P (163) | ||
| 126633 | 2003-03-09 01:39:00 | Is there such this as 'online eftpos' im a novice when it comes to online shopping but online eftpos would be great! |
Dylan (800) | ||
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