CommerceCM^TM: Transaction Processing Features

To complete your transactions and turn site browsers into customers you will have to get set up with a merchant account for at least one of the major credit cards.  This is a bit of a minefield and you have an almost limitless number of choices. 

Do you want Canadian, US or accounts for both?  Do you need Euros?  Do you have existing accounts or are you just getting setup?  Clients come to us every week and all have different needs and levels of understanding.  We are happy to help so please do not hesitate to contact us to discuss your needs.

Canadian merchants who need acceptance accounts for Canadian dollars can apply for Visa and Mastercard accounts with either Moneris or Global Payments

Not all payment gateways and merchant accounts are the same.  Pay attention to per transaction fees, monthly gateway fees, fraud screening options, and even the financial stability of your gateway. They will all have an impact onthe long term stability, functionality, and profitability of your site.

CommerceCM^TM can process transactions from any credit card company and bank you choose.  We have over 5 years experience configuring a variety of payment providers for U.S., Canadian, and dual currency sites.  Our goal is to make a successful site launch as painless as possible and we will work with which ever payment gateway you select or your bank recommends.

Below are listed a few of the payment gateways we have used and some commentary from our experinces.  Your relationship with your banks and the payment provider is your own however we are happy to discuss your needs further and to help you through the selection process.

Canadian Merchants

e-Xact Transactions

Our gateway of choice for the last two years has been e-Xact Transactions.  Their costs are reasonable, they are bank neutral in Canada, and can offer settlement for Visa, Mastercard, and American Express.  Good merchant reporting tools, responsive customer service, and a reliable payment gateway all make e-Xact a solid choice.  They are the best choice for customers looking to conduct business in Canadian currency, or Canadian and US currency.

Find out more at their site

Paradata

One of the first payment providers in Canada, their pricing makes Paradata the perfect choice for lower volume (under 100 tx per month) web merchants looking to process transactions in Canadian Currency only. 

Find out more at their site (follow the Products link, then PayGateway Net)

US and International

Verisign Payflow

Verisign is a big, stable, public traded company and is a solid brand name on the Internet.  Verisign scooped up Cybercash during the crash and after a difficult transition, they now offer a top notch service.  Pricing is reasonable and they have the advantage of offering superior fraud screening services.  Pricing is optimised for US customers but they can provide transactions in all of the major international currencies.

Find out more at their site

WorldPay

Better pricing than Verisign and a good track record make Worldpay a viable choice for merchants wanting to conduct business in multiple currencies.  They can provide help getting set up with merchant acceptance accounts for other currencies.

Find out more at their site