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For your online store, you will need:
- An Internet Merchant Account (IMA)
- A payment processing gateway that processes and authorizes the online payments
The IMA is required so that you can accept credit card payments on-line. It IS NOT the same as a Retail Merchant Account. You cannot use a Retail Merchant Account for taking orders on the Internet. Arquan works with several Internet Merchant Account providers. You may also obtain an Internet Merchant Account from the bank of your choice. Please contact Arquan if you have questions or would like to know if Xonca can interface with a certain provider.
The gateway is required because that is what authorizes the payments real-time. It takes the payment information from the shopping cart software, contacts the card issuer's bank, receives the request answer, and hands the answer back to the Xonca shopping cart software.
Arquan prefers to work with partners that offer the IMA and gateway in a consolidated package. Please see our list of preferred providers below.
Authorize.net
Authorize.net is a well known gateway provider in the industry and offers Internet Merchant Accounts through the Secure Source program. It is a virtual Internet Merchant account provided by Wells Fargo Bank. All fees will be charged by Authorize.net.
To learn more about the Integrated Payment Service, pricing information, and to apply for an account, click here.
Cybersource
Cybersource is Arquan's preferred vendor for Internet Merchant Accounts plus gateway or for a gateway only package. Cybersouce offers the integrated Internet Merchant Account + gateway package. Cybersource is an industry leader in the area of online payment processing gateways and has unparalleled security features for online payment processing. All fees will be charged by Cybersource.
Click here to see details and sign up for the Cybersource Internet Merchant Account + gateway package. It will take you about 10 minutes to complete the online application.
PayPal Web site Payments Pro
Effective in July 2005, PayPal announced a new product offering that allows customers to pay with a credit card directly on
your web site, or using PayPal Express Checkout, pay quickly and securely with an existing PayPal account.
We are pleased that we were part of the beta development team and have completed the integration and certification of this new PayPal product offering feature with Xonca.
Sign up, or learn more about using PayPal Website Payments Pro with Xonca .
Questions?
If you have questions, please contact us.
To read FAQ information about merchant accounts, click here.
Arquan comments
If you already have an Internet Merchant Account and just need the gateway, we can set you up with the Cybersource gateway only package. Please contact us for more information and to obtain an application.
If you already have an Internet Merchant Account AND a gateway, and want to know if Xonca is compatible with your gateway provider, please contact us. We will happily make available a gateway interface, provided the gateway provider offers adequate documentation and supports complex API calls. We currently offer gateway payment templates for:
- Authorize.net
- Cybersource
- Google Checkout
- Linkpoint
- PayPal Website Payments Pro
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