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designm19985728
designm19985728
Participating Frequently
January 21, 2019
Answered

Adding payment options to website

I've been asked to have the website be able to take payments (Visa / direct debit etc), how do i do this?

I'm struggling to find anything online to help, all seems to talk about Wordpress and PayPal.

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    Nancy OShea
    Nancy OSheaCorrect answer
    Community Expert
    January 21, 2019

    Start with the bank because that's how you get paid.  Find out which credit card payment processors (gateways) you can use with your account.   Once you have your gateways established, you can shop for a PCI compliant shopping cart that is compatible with your gateways.  I can't emphasize enough the importance of PCI compliance.  A merchant who is not PCI compliant could be hit with costly penalty fees and have their credit card processing privileges suspended or revoked.   The bank will usually require Level 1 merchants to audit & verify PCI compliance once each year.  This procedure varies quite a bit by region and bank.  It can be as simple as answering a few questions over the phone.  Or it can cost several hundred dollars for training & testing of everyone in the company who comes in contact with customer data.  The latter is necessary when customer data is collected and stored on the premises.   See link below for more on PCI compliance.

    https://www.pcicomplianceguide.org/faq/

    In terms of PCI compliant shopping carts, do a Google search or ask your bank which carts they recommend.

    Good luck!

    Nancy O'Shea— Product User & Community Expert
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    6 replies

    BenPleysier
    Community Expert
    BenPleysierCommunity Expert
    Community Expert
    January 21, 2019

    This is a very broad question which invites a broad answer.

    First off, you will need a secure site, i.e. one that is covered by a Secure Socket Layer (SSL). Secondly, you will need a payment gateway.

    If you require more information, please come back with more details such as, my site already has an SSL or I already have an e-commerce site including a payment gateway etc. etc.

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    designm19985728
    designm19985728Author
    Participating Frequently
    January 21, 2019

    I've been given a very broad brief.

    I work at a small company, we have a website that I managed to put together using tutorials a few years ago. They now want something else. Probably responsive (bootstrap starter template), and have been asked to make it so customers can give the company money through website, its not a shop as such, probably some boxes to fill out like; name, company, work done and then 'pay money'.

    So, no, i don't really know what Secure Socket Layer (SSL) is, or how to get that, or implement it. From what i gather, this needs to be paid for in some way.

    Can you tell I'm a little out my depth?

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    pziecina
    pziecina
    Legend
    January 21, 2019

    Sorry to tell you, but you are NOT allowed to do as you wish, without a number of legal and security conditions being met.

    Just to hold users names, addresses or other personal info requires complience with data protection legislation. Add to that collecting credit/debit card information requires legal and payment protection, (security) to be in place which involves the procedures I very briefly outlined in my first reply.

    The days of the avarage website collecting user info, or credit/debit card info without a, (large) financial investment are no longer possible.

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    pziecina
    pziecina
    Legend
    January 21, 2019

    The method of taking payments using paypal in wordpress, is the same as one would use in a Dreamweaver created site, (which also applies to other payment gateways).

    If your client wishes to do the payment processing themselves, whilst possible, it is unadvisable as the cost of bank, (card processing) approval is very expensive, and will require your code, the online security of the site and approval to be obtained in order to do so.

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