Hi, can anyone here tell me which method is better and why? Is is better to use amember and go direct through authorize.net for the orders OR use amember through 1shoppingcart then authorize.net? Which way is the most seamless and automated? Which way talks best back to amember so that its automated? Anyone please share experience. I also posted about this is the other forum, but this forum seems more appropriate: http://www.amember.com/forum/showthread.php?t=9162 Any help is appreciated. Warm Regards, Rob
I looked at 1shoppingcart once and then realized they are collecting a fee for combining all your accounts into one account. I also found that if you have an issue with 1shoppingcart then all your payment processors are down. I use Authorize.net with MaxMind.com fraud detection suite. It works very well with amember and allows you to do things that 1shoppingcart does not allow you to do. Example If maxmind.com gives a fraud risk score of XX (1 to 10) then you can have the plugin auto add to ban list, (username, email address, and ip at the same time). You can also set a threshold limit for a risk score so lets say you are high risk company for fraud. You can set this to 2.0. Everytime someone makes a purchase that is over 2.0 it will not process the charge and the processes are killed on the website. Also with Authorize.net and Maxmind.com when I get a charge back I can fight the charge back. I have only lost one case because any idiot could see it was fraud. I would never use 1shoppingcart because it creates a single point of failure and customers like choices. I use the follow payment systems to be global as possible Authorize.net w/ a merchant account & MaxMind.com fraud suite rare to get a chargeback and easy to fight them and WIN Paypal - 70% of my orders - Disputes are easy for customers and hard to win. Best to have policy where you can just issue refund. If you fight them Paypal will watch your account more and then limit it once you try to remove the money AlertPay - Just like Paypal but has setting to only allow from verified members VERY NICE feature that we have been asking from Paypal for years. To become a verified member take a few weeks Google Checkout - Just a credit card processor but has cool feature to tell you Buyers account age so you know it they are trustworthy. Moneybookers 2 charge backs in 2 years - EASY intrgration and to become a verified member take a few weeks so they have a no refund policy. Walie - custom plugin pre paid credit card no charge backs Offline - Money orders / western union Hope this helps
I've talked to Wachovia today. They have 2.22% + 10c per transaction with $10 monthly fee. Getting authorize.net as my gateway. I am going with a bank because the funds will be available rightaway without the lengthy holding.