Solutions for Merchants

Internet / eCommerce Merchant Solutions

eCommerce payment gateways integrate with shopping cart applications used on a merchant's web site to authorize and settle card payment transactions.

The key when constructing an eCommerce web site is to match the shopping cart, payment gateway and card processing network.  These three elements work together.

Payment gateways are typically priced with an activation fee, monthly fee and a transaction fee.  Different service packages exist to meet your transaction volume needs.  Also, some gateways have additional value-added services like automated recurring billing available. 

Our processing networks are compatible with most payment gateways including Authorize.net, Plug & Pay, Verisign PayPal, eProcessing Network and many more.  We may be able to reprogram your existing payment gateway at no charge.  

It is very important to select an open platform that can be reprogrammed and can operate on the greatest number of processing networks.  Avoid getting your data locked into a proprietary system that makes it difficult to change if you are not satisfied or need to add features as your business grows. It is also important to understand the PCI card data storage and security issues to protect your customers and your business from hackers. For both these reasons, Vantage recommends the Authorize.net payment gateway. Contact us for pricing plans.

To qualify for the best Interchange rates, pass key data elements like an invoice number and AVS. Make sure the authorization amount matches the settlement amount and avoid forcing transaction.

Proper set up includes making decisions about use of card security features like Address Verification Services (AVS), card verification value (CVV2) and Verified by Visa (VbV) and other fraud screening services. The key is to follow best practices to protect your business from fraud.

Each year millions of dollars are lost on fraudulent card use. Preventing fraud and losses start with the understanding that the responsibility for risk of fraud lies is solely with the merchant.   In the card not present sales environment of ecommerce, card rules are written in favor of the cardholder.  Meaning, credit and debit cards are a convenience form of payment, not a guaranteed form of payment. It is important to protect yourself.

Read Best Practices for eCommerce merchants.

If you are new to eCommerce, you have a lot to consider; developing your web site, implementing a shopping cart, payment gateway and merchant account to qualifying for the best Interchange rates, all while managing risk through best practices.

When deciding on a payment processing partner, you will want to work with a professional who can help you safely implement a payment solution for your eCommerce business that best meets your needs.

Let us help you determine the best eCommerce solution package. Please contact us for a professional consultation 1-800-397-2380. Please complete the form below to be contacted by a payment specialist who can answer your questions and provide a detailed quote for service. To have an instant quote emailed to you now, use the MerchantRates calculator. We look forward to working with you.