Comments on: What does “real-time credit card processing” on a website mean?

By: Lorelei Kodadek

Lorelei Kodadek — Thu, 04 Nov 2010 09:50:15 +0000

I guess that real time credit card processing might be delayed in certain cases of physical goods, yet I still believe that most online merchants, surely those who specialize in digital goods are processing on the fly. No back office processes or late credit card processing! For most online merchants, real time means real time and processing is finalized prior to shopper leaving the site.

By: CCPrUs

CCPrUs — Wed, 12 May 2010 16:05:32 +0000

Hi Tana, with pleasure! Gidi.

By: Tana Ortelli @ http://www.VegasVALoans.com

Tana Ortelli @ http://www.VegasVALoans.com — Tue, 11 May 2010 19:08:07 +0000

Hi Gidi,
May I use some of the information here in this entry if I provide a link back to your site?
Thanks! Tana Ortelli.

By: Carma Pietrowski

Carma Pietrowski — Thu, 22 Apr 2010 03:27:44 +0000

Credit can be a great thing and a bad thing. I think credit all over is abused, buy the user, and the credit companies. The interest rates are too high and something has to be done about that. There are so many ways that we can improve the credit situation on all ends.

By: CCPrUs

CCPrUs — Sun, 14 Mar 2010 14:56:22 +0000

Is it doable? – YES
I strongly suggest:
1. Don’t state things you don’t have to…
2. Implement PCI compliance PRIOR to collecting credit card data.

By: Valencia Rockwood

Valencia Rockwood — Sun, 14 Mar 2010 13:57:21 +0000

Funny! Would never have guessed. So does this mean that I can state on my site that I’ve got: “real-time credit card processing” even though I don’t? i.e. – If I can collect credit card details on site, on a payment page form, and do the actual credit card processing later (even manually – keying in the transactions in a VT) would anyone know it wasn’t done on real-time? And does it make any difference?

By: Linda Jones

Linda Jones — Fri, 19 Feb 2010 16:56:44 +0000

Thanks for spending the time to describe the terminlogy towards the newbies!
I’m reading your posts on a regular basis (wish there were more…!) and starting to get the hang of it.
I now feel I actually know a little about credit card processing and started to pass on the info to family and friends.
Thanks!

By: CCPrUs

CCPrUs — Thu, 18 Feb 2010 12:50:03 +0000

Hi Winston – Numerous reasons…
Though this sure deserves a standalone post,
here are some potential reasons why:
Did your billing address and shipping address match?
Was it a cross border transaction?
Was it a relatively expensive item?
Did you provide a valid phone number and were you available for a call?
What was the time of day (or night…) you made the online purchase?
All these and many more, set your risk profile –
They sure decided the risk of selling you the item was greater than the potential profit in making the sale.

By: Winston Canales

Winston Canales — Wed, 17 Feb 2010 15:43:10 +0000

Funny, real time credit card processing is somewhat different than it sounds!
This might explain a purchase I tried (and failed) making a couple of weeks ago –
Though I got a “thank you” page, my card was never charged (and I never got the gadget I ordered…).
It probably passed the initial phase of authorization, yet for some reason, was not approved later on.
What could it be that made them reject my card?

By: CCPrUs

CCPrUs — Fri, 12 Feb 2010 13:05:41 +0000

Lewis - thanks for asking! You should find everything you need on iPhone credit card processing.