Technology Programming

Done by Hand Payment Processing Techniques

Dan Norris from ecommercewebsitedesign.com.au explains the options for securing money manually online.  While generally with ecommerce website design, credit cards are processed live via the website, sometimes it's useful to consider some hand-operated processing techniques.

While most sites we build, will support an online debit solution such as PayPal, depending on the corporation it might still be relevant to look at securing bills via one of the historical done by hand methods.

This is particularly true when you are dealing with high cost low transaction products as they generally have a bit of fat built into them to make it worth spending the extra time on the hand-operated techniques. Or it might just be that in your particular industry, obtaining payments manually is an accepted standard.  This could be the case in the bricks and mortar type concern that has branched out into online.

Here are the 3 main ways to get payment using a manual technique.

1.       Manually processing credit cards is where the prospect enters their card number on your site but you don't use a live gateway to process the transaction. Instead you just keep the credit card number and you process it manually using a portable point of service machine or another system your store has provided (such as an online facility). With this option you don't pay for a gateway to process the card as such because you aren't using a gateway but it's a hand-operated process which results in the order being in a state of 'pending' until you process the order manually using your system. If the transaction doesn't work for any reason you would have to secure back in contact with the man and deal with it offline. You would also have to make sure you had an SSL installed as you would be securing the number directly on your site.

2.       Over the phone credit card would work in the same way as above except instead of the visitor entering their credit card number into your website, they would call you and read it out over the telephone. This requires someone to be on the phone at the time of ordering. That human might collect the number down and process it later or process it live while talking to the customers.

 3.       Bank Deposit is where the purchaser manually transfers the bills into your account and you monitor the account to see when the dough goes in. When it goes through properly, you assign the goods.

 4.       Cheque or a dough order is where the somebody sends you a physical cheque and you go to the keep to bank it. This would be the longest payment option as it takes time to deliver the check, for you to bank it at your coffer and for it to be cleared by the amass.

All of the options above require standard resolution because they aren't processing anything live. They require a person to do something before the items can be considered paid for.

There are implications for the work that needs to be done by the establishment human being to make this work but if this is a suitable resolution in your industry, you might find some or all of these methods pragmatic.

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