I use Braintree, and it's been great.

-- dz



On Tue, Mar 8, 2011 at 4:40 PM, CLIFFORD ILKAY
<clifford_il...@dinamis.com> wrote:
> On 03/08/2011 09:59 AM, Bill Freeman wrote:
>>
>> And I can't resist recommending solutions that don't require your to touch
>> the credit card number.  If you never had it, you can't be responsible for
>> compromising it.
>
> That is true. Most of the payment processors have some sort of hosted form
> solution for that. However, there are significant limitations in those
> hosted form solutions that may make them unsuitable in some situations. For
> instance, we ran into one such limitation recently on a project where the
> processor apparently doesn't provide any sort of "success" or "failure"
> notification for zero dollar transactions. Why would you want a zero dollar
> transaction you might be wondering? Our client was running a promotion where
> some initial period was free after which the normal recurring fees would
> kick in. Normally, there is an initial fee and recurring fees. Upon success
> or failure on the normal initial fee, we'd get a callback to a view function
> from the payment gateway which we'd need to complete the transaction.
> Completion of the transaction consists of listing the product and updating
> the user's dashboard with the transaction date and the expiry date for the
> listing. With the zero dollar transaction, we never got a callback due so we
> could do none of those things. We had to manually list the products and
> update the user's dashboard for the successful transactions in that
> scenario.
>
> To avoid creating a situation in the future where there would have to be
> tedious and error-prone manual processing, we recommended to the client that
> they don't offer "free initial period" promotions but instead charge some
> nominal amount, even if it's one cent. "All listings one cent" doesn't have
> quite the same impact as "Free listings" even though for all intents and
> purposes, it's the same thing. We've discovered many other limitations like
> that, small and large, that really makes the case for API-level integration,
> in which case you'd have to go through a PCI compliance audit. By the way,
> we've been through it multiple times. For the most part, it's perfunctory.
> --
> Regards,
>
> Clifford Ilkay
> Dinamis
> 1419-3266 Yonge St.
> Toronto, ON
> Canada  M4N 3P6
>
> <http://dinamis.com>
> +1 416-410-3326
>
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