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Getting Started > Payment Processors

Payment Processors

What is a Payment Processor?

A payment processor will take your customer's credit card number, verify that they have the money in their account to purchase the items, and charge your customer's credit card.

You have the option with either of the Cambria stores of either integrating a payment processor with your store or processing their purchases manually.

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Do I need a Payment Processor?

This depends upon how much of a gamble you want to take on your online store. If you want to "begin as you mean to go on" or don't want to have to add this later on, then by all means, read the sections below about how the process works and add it right away.

If you believe that "slow and steady wins the race" and would like to start small and then add on as you generate business with your store, then consider the following question: How will your customers pay for their purchases? By mailing you a check? By entering their credit card information and you will process it manually with your existing credit card solution?

If you have a way for your customers to pay for their online purchases and would like to start out small, then we would recommend that you take the online store as is and then consider adding payment processing later. Alternatively, you could add PayPal as the payment processor since it has no monthly charges and only charges a transaction fee if someone purchases something.

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Who is involved in Payment Processing?

Payment processing involves many parties, so it is best to give each one of them a definition. If you have any questions, please contact us and we will explain it in more detail.

  • The Issuer: Your customer's bank or institution that has issued a debit or credit card to them.
  • Your Customer: The person who is ready to buy something from you.
  • You: The fabulous business that has qualified to accept credit or debit cards as payment.
  • The Acquirer: Your bank or organization that is licensed as a member of Visa and/or MasterCard. After establishing a relationship with you, they receive all your bankcard transactions.
  • The Processor: A third-party organization that provides authorization and/or clearing and settlement services on behalf of Issuers, Acquirers, and you. (The Processor is also sometimes called a Payment Gateway.)
  • Cambria: We build your web site and integrate it with your Acquirer and Processor's specifications.

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What is involved in Payment Processing?

Payment processing involves many steps, so if you have any questions, please contact us and we will explain it in more detail.

  1. Acceptance: The credit cards and/or debit cards that you can accept from your customers vary according to the specific services your Acquirer and Processor provide.
  2. Authorization: When your customer is ready to make his/her purchase, your site will contact the Processor for authorization. The Processor's data center contacts the card's Issuer and retrieves the customer's account information. If the card is valid and the customer has sufficient credit, the Processor authorizes the transaction and returns an approval code to the your site. If the card is not valid or the Cardholder is over his credit limit, the Processor declines the sale and your site will ask for another form of payment.
  3. Purchase: After receiving authorization, your site records the sale and either emails your customer a receipt or displays one that they can print out.
  4. Submission and Deposit: As transactions occur, the Acquirer essentially buys your credit/debit card transactions and credits their value to your account, minus a processing fee, which is sometimes called the "discount rate."
  5. Settlement: In turn, the Acquirer collects payment for transactions from the Issuers of each individual customer. This settlement is carried out through a network of Processors called "interchange." The Acquirer pays each Issuer an interchange fee. The Issuers then bill their customers for the amount of their charges.
  6. Chargebacks: A transaction that is challenged by a customer or Issuer and is sent back through interchange to the Acquirer for resolution is called a "chargeback."

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How do I get started with a Payment Processor?

  • Decide which Acquirer you want to work with: Different banks have different fees for setting up and maintaining an Internet Merchant Account. Talk to your bank's Merchant Service department and ask them about how you can set up an Internet Merchant Account and all of their fees and percentages. You may want to shop around for rates. Manual transactions have cheaper fees, but are a lot more work for you. We can talk more about this if you are interested.
  • Decide which Processor you want to work with: If your Acquirer is a large bank, they oftentimes have their own Processor. This is usually cheaper than going with a third-party system like VeriSign or Authorize.Net.
  • Make sure we can work with your Processor: Talk to us before you sign on the dotted line! Although we haven't found a Processor that we haven't been able to work with, we will read their developer's guide to make absolutely sure. We will also let you know how expensive it will be for us to set up your system with each Processor.

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How much does a Payment Processor cost?

Due to all of the parties involved, the expense of a payment processor varies from Acquirer and Processor to Acquirer and Processor. Once you know which Acquirer and Processor you will be using, we can give you an estimate for how much it will cost to integrate a payment processor with your store.

For example, integrating the VeriSign PayFlow Link Processor with the store typically takes about 3 hours of Cambria's time to set up. VeriSign's set up charge is $179.00 and their monthly fee is $19.95. This does not include any of your Acquirer's fees.

Our best suggestions is to call your bank (and maybe a couple of others) and talk to their Merchant Services department. You may want to consider using PayPal (see below).

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What about PayPal?

Paypal is perhaps the least costly way to set up payment processing for your site.

With many Acquirers and Processors, there are setup fees to start using their service and monthly charges thereafter. PayPal does not have any setup fees or monthly charges. You are simply charged a transaction percentage and a transaction fee that may be much lower that your bank's.

Because everything is very simple, it only takes 1 hour for us to integrate the store with PayPal.

Click here to take a look at PayPal.

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May I see a Payment Processor demonstration?

Of course! Most of our customers are using either VeriSign PayFlow Link or PayPal and we would be happy to demonstrate both of these processors for you, either with a sample system or with a live one. Just give us a call.

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Getting Started

Domain Names


Secure Certificates

Payment Processors

Setup Time


Extra Features