There are many credit card and debit card merchants out there.
What you need to do is contact your bank and say you want to setup a merchant facility that will allow you to take payments via credit / debit card on your online store. You'll get a bank manager to come round to your office and they will chat to you about your requirements etc, fill in forms with you and get everything processed.
Next, you need to setup an account with a company such as
www.protx.com or
www.worldpay.com (like said keekeedee above). I use Protx now on one site, and am currently getting it added onto two other websites I am setting up for two new businesses.
Protx charges us £20 per month (+VAT) and transaction fees of 1.9% (however, this varies depending on the types of cards processed). We paid an initial setup cost of about £200 with streamline, to setup the facility.
Theres two ways of setting up payments through your site:
VPS Direct - This is where a customer stays within your store, and enters all their details on your store without any reference to Protx (or your merchant). This is slightly more expensive as you have to purchase an SSL certificate (encryption certificate) that makes sure that the pages cannot be hacked. As far as I can remember, you need atleast 128 bit SSL, these usually cost about £75.00 inc VAT, but you can probably find one cheaper.
VPS Form - This is where people get directed to a merchants website in order to fill in their details (such as protx). Payment gets made on an external site before the customer is then transfered back to your site. This is cheaper because you don't have to purchase an SSL certificate, but it doesn't look as good.
Hope this helps
Lewis
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Lewis Sellers - www.nightskylanterns.co.uk
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March 2010
