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Chapter 11 Working with Credit Card. Methods of Processing Credit Cards Preparing for Cyber Cash Authoring a Credit card Transaction. Methods of Processing Credit Cards. Three Different Types: Offsite Payment Processors Payment Terminal Solutions Component Based Solutions.

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chapter 11 working with credit card
Chapter 11Working with Credit Card
  • Methods of Processing Credit Cards
  • Preparing for Cyber Cash
  • Authoring a Credit card Transaction
methods of processing credit cards
Methods of Processing Credit Cards
  • Three Different Types:
    • Offsite Payment Processors
    • Payment Terminal Solutions
    • Component Based Solutions
offsite payment processors
Offsite Payment Processors
  • Several companies enable you to link to their Web site and they will process the credit card transaction.
  • They host the payment page that prompts the customer to enter credit card information.
  • After the customer has completed the payment transaction, the customer is sent back to your web site.
  • Very Easy to setup.
  • Need not use SSL.
  • No Need to take special precautions to maintain the privacy of the customer’s credit card information.
  • All this is done by other web site.
  • Lose control over the appearance of you payment page.
  • Never collect credit card information directly from the customer.
  • If something goes wrong with the offsite payment processor- ex: web site goes down- the problem is out of your hands and you can do nothing about it. Ex iBill
payment terminal solution
Payment Terminal Solution
  • Ex:
  • It contains an easy to use interface for authorizing & settling credit card transactions.
  • Launch the program, accept the credit card information and the program authorizations the transaction.
  • It dose not work over the internet. Use the program with modem.
  • When authorize or settle a credit card transaction the program connects to your processor over the phone line and completes the transaction.
Not recommend for real time processing.
  • Suited for processing credit card transactions in batches.
  • Database information should be converted to CSV files.To do this SQL Server uses Data Transformation Services & MS Access use MS Access Export.
  • Cheapest Solutions for processing Credit Cards.
  • Use normal phone line & not internet.
  • Bank charges much lower fees.
component based solution
Component Based Solution
  • Provides greatest flexibility over processing credit cards.
  • Can write ASP scripts for authorize, capture & refund credit card information.
  • Ex: Cybercash & VeriFone’s vPos software.


  • Have complete control over credit card transaction.
  • The customer need not leave you web site.
  • Can be processed real time over internet.


  • More Expensive as they require the bank to setup a custom Internet Gateway.
  • Have to write custom scripts which is time consuming.
preparing for cybercash
Preparing for Cybercash
  • Three requirements of Cybercash:
    • Open credit card merchant account.
    • Register as a merchant at the Cybercash web site.
    • Download and install the necessary software for communicating with Cybercash.
opening a credit card merchant account
Opening a Credit Card Merchant Account
  • Must open credit card merchant account with an acquiring financial institution.
  • Acquiring financial institutions will be banks.
  • Acquiring financial institutions work with the third party processor to process credit card transactions and deposit money into merchant’s account.
Before selecting check for bank supporting CyberCash.
  • Banks may charge any of these fees:
  • Application fee, Setup fee, Transaction fee, Monthly minimum fee.
  • A discount rate

Other than Bank fees the Cybercash charges additional setup, transaction fees over and above the bank fees.

registering at cybrcash
Registering at Cybrcash
  • Cybercash will lead you through the registration process in a series of HTML Forms.
  • To register go to:
  • Asked for following information:
  • The legal name of our business
  • Your doing business AS name
  • Your Business Address.
  • Contact information, including phone number & email address
After registering, you will be given CyberCash ID (CCID), hash secret & merchant key.
  • This information is needed when you install the CyberCash software.
  • Download the CyberCash Merchant Connection Kit(MCK) and the Cybercash documentation..
  • The MCK contains the components you need to communicate with CyberCash to process credit card transactions.
  • Contains sample scripts which are written in PERL & not in ASP. MCK Version is
Its not yet Live. All transactions are performed in test mode.
  • To go live, log into the cybercash Merchant Control Panel and select the Going live option.
  • Merchant Control Panel is accessed at the URL:

installing cybercash software
Installing CyberCash Software
  • After downloading MCK, you need to install it.
  • Need to run two installation program:
  • Install MCK itself.
  • Execute the build merchant installation program from start, programs, CyberCash Merchant Connection Kit.
enter follwing information to complete the installation program
Enter Follwing information to complete the installation program:
  • Fully qualified domain name of your computer.
  • Your CyberCash ID (CCID) and hash secret.
  • Name of your store & customer service phone number.
  • Your Merchant Key
  • URL of your secure server.
Must specify the computer language you want to use with cybercash. Choice is C PERL or ASP.
  • Installation program Adds two virtual directories to your web site. One is mck-shared and other is given the same name as your store.
  • They contain the configuration files that cybercash needs to process credit card transaction and some sample ASP scripts.
  • Installs most important file named merchant_conf which configuration information specific to your CyberCash account. It is normal text file viewed on Notepad.
Installs two important components: the MessageBlock and the Socket components. It is used in ASP script to communicate with the Cybercash service.
  • After installing, test your installation by launching web browser and open the following URL:
  • Will open a test page that enables to test various functions of cybercash.
authorizing a credit card transaction
Authorizing a credit card Transaction:
  • Two Steps involved in transferring money from customer’s credit card account to merchant account:
    • Authorize
    • Capture
  • To authorize a credit card transaction, you the cybercash MessageBlock and Socket components.
  • These are ActiveX Component, that can be used in ASP in the same way as you use Ad Rotator & Browser Capabilities Components.
The MessageBlock component represents a message that you either send or receive from the cybercash service.
  • Before authorizing a transaction, you load the MessageBlock component with list of values like customer credit card number etc. to the MessageBlock before you send it.
  • The Socket Component is responsible for sending the message to the CyberCash service. It’s a standard WinSock component.
settling card transactions
Settling Card Transactions
  • After authorizing credit card transaction, you must capture and settle the transaction for the money to be transferred from the customer’s account to your merchant account.
  • Depends on arrangement made with your acquiring financial institute.
three different processing models for capturing and settling transaction
Three different processing models for capturing and settling transaction:
  • AuthCapture – transactions are automatically captured, when they are authorized.
  • Auth/PostAuthCapture – Capturing is done as separate operation. Is intended for use when a product/service is not immediately delivered to the customer.
  • Terminalcapturing - includes two additional steps:
  • Must be marked to be included in a batch.
  • Batch must be sent to the processor for settlement.