Credit Card Verification.

[AFterlife]

Does anyone know how this is done. Also I need to know how to transfer my money into my account.

[mutant]

You want to integrate that into your application? In ASP.NET or windows app?

[Rick_Fla]

If you are looking into accepting credit cards on a website or program you will need a merchant account and a processor. AuthorizeNET is one of the bigger processors out there, but the merchant account is what is used to get the money transfered into your own bank account. Most banks will have this, so you could get with your local bank and have them help with that.

 

If you have all of the above, you may want to post more direct questions and give more information as stated above. Web, WinForm, any code you may have.

[AFterlife]

Web App. As well as transfer the funds. I really dont want to use some merchant service.

[Rick_Fla]

To be honest, the only way I know to accept credit cards without a merchant service would be setting up a business account on PayPal and using it to accept the cards and then transfer that to your account.

 

Most credit card processing companies are going to ask for a merchant account to deposit the funds into. Learned from setting up a few webstores in the past.

[mutant]

If you don't want a merchant service, your chances of getting a merchant account from your bank are very slim unless you have a real business.

[AFterlife]

We have our own company.This is the first time dealing with a web app like this. Is pay pal a cheaper route to take? I looked at merchant accounts and it was $150 and they didnt say for how long.

[Rick_Fla]

I would have to look again, but they charge a certain flat rate per transaction and a %. Most processors still charge a % and monthly on top of the merchant account which tend to charge monthly.

 

Some think PayPal does not make your site look professional, but I guess that all depends on your taste I guess. I used PayPal because they were the cheaper of the two, because you only pay when a transaction is made, no monthly fee.

[AFterlife]

Thanks for the tips. :)

[mike55]

Does anyone know how this is done. Also I need to know how to transfer my money into my account.

 

 

To verfiy the credit card number you use the luhn algorithm. This performs simple mathematical operations on the number and from the result you can determine if the number supplied is correct or not (very easy to implement in code). To get a list of the structure i.e number of digits, prefixes etc. check out the following site: http://www.beachnet.com/~hstiles/cardtype.html

 

In relation to actually extracting money from the customers account and putting it into your account, you need either a merchant account that you control directly or you need to hire a third party merchant which will do all the dirty work for you and simple send you a check minus their service fee. Generally it is suggested that if you are new to the game, you should use the third party merchant, as with the merchant account you have to handle all the transaction processing yourself.

 

In relation to validating the expiry date of the credit card supplied by the customer, well i still can't figure that out, have been refered to the Irish Central Bank by my own bank as they believe that information is a secret and not to be given out...

 

Mike55