Feature: Internet Security
Setting up an online order form can increase the sales to your site. It is a simple enough CGI script to create the order form, but who is going to provide their credit card number online without the knowledge that security measures are in place?
The first step is to have SSL security to encrypt the information included in the form sent by your customers. This assures that intercepted emails will be undecipherable. To learn more about SSL encryption, go to: developer.netscape.com/docs/manuals/security/sslin/index.htm.
The next step is deciding how to process credit card transactions. Some of the most common options for accepting orders are below; from a do-it yourself option to fully automated services. The ultimate goal is to make it easier and safer for customers to make purchases from your site. An important secondary goal is to lower your cost per order while taking into account your time spent per order.
Option #1: Manual
Secure emails with manual credit card processing
This option is well suited for businesses with fewer than 30 transactions per day. If you already have a credit card terminal it is also a good way to start - until your volume picks up. Details.
Option #2: semi-automated
Accepting and processing transactions electronically to your account.
This option combines the best (and the worst) of both worlds. Your customers' cards will be verified online - which is good, but you will need an internet merchant account - which is different from both a merchant account and MOTO merchant account. Internet merchant accounts can be difficult to obtain. Details.
Option #3: Outsourced
Choose a third party payment processor
Essentially, this option is a way of outsourcing your payment processing rather than handling it yourself. Not a bad idea to avoid the frustration that banks present. Details.
Send email notification
After you process an order, make sure that your customers receive an email notice telling them:
- What name will appear on their credit card statement
- How to contact your customer support
- Add any relevant marketing and promotional information about your products or services
Warning signs of Fraud
Once you are set up, there are still security measures that you should take in order to avoid fraudulent orders. For a list of warning signs, go to store.yahoo.com/warsigoffrau.html. If one order shows many of the suspicious signs of fraud listed at that site, you should investigate the order carefully. As a general rule, you should never ship a valuable order unless it checks out.