» Payment Gateways supported by ProductCart

ProductCart allows you to define a variety of real time and non-real time payment methods on your store: credit cards, checks, purchase orders, PayPal, custom debit cards, and more. For real time credit card processing, the system seamlessly integrates with a number of leading payment gateways. Activating a payment gateway only takes a few clicks.

The latest version of our ecommerce software allows you to support three types of possible payment processing scenarios, which correspond to the following payment methods:

• Real time payment methods, configured to capture funds (credit cards are authorized and debited). This is how real time payment gateways are typically setup by default. When a payment gateway is configured this way, a credit card transaction is at the same time authorized (i.e. the payment gateway checks to see if the funds necessary for the order are available on that credit card account, and reserves them for the transaction), and captured (i.e. the payment gateway actually debits the account). All payment gateways supported by ProductCart can authorize and capture funds. Credit card information is not saved to the ProductCart database in this scenario.
• Real time payment methods, configured to only authorize funds (credit cards are authorized, but not debited until you instruct the system to do so). Some, but not all payment gateways support this feature (Authorize.net, NetBilling, and Payflow Pro currently support this feature). When a payment gateway is configured to only authorize, rather than capture funds, the customer’s account is not debited (although the funds are reserved for a certain amount of time and may not be accessible for other purchases during that time). In this scenario, payment has not yet been collected for the order, and therefore ProductCart considers it “pending”. Credit card information is saved to the ProductCart database in this scenario, if one of the three payment gateways mentioned above is used.
• Non-real time payment methods. Funds are neither authorized, nor captured during the checkout process. (e.g. check, purchase order, COD, etc.). Any non-real time payment option leads to transactions that are processed at a later time. All orders placed using a non-real time payment option are considered “pending” by ProductCart. Credit card information is saved to the ProductCart database in this scenario

As mentioned above, with our shopping cart software you can accept credit cards on your ecommerce store both by setting up a real-time or a non real-time payment option. ProductCart adheres with the official "Merchant Requirements for Securing Cardholder Information" that were recently established by all credit card companies

The following is a list of real-time payment systems that ProductCart seamlessly integrates with. Activating any of these systems requires very little effort. Typically, it's just a matter of entering your account information.

2Checkout
Blue Pay
Authorize.net SIM AIM
Bank of America
Concord EFSnet
ECHO
iTransact
LinkPoint Basic
Moneris' eSelect Plus
PayPal
Protx
PsiGate
Trine Commerce Systems
PayFlow Pro/Link
viaKLIX
WorldPay

Some of the payment gateways even allow you to batch process orders through ProductCart, a feature that can dramatically speed up the task of managing your daily orders. Combined with the ability to fully edit orders after they have been placed, this feature makes for fast and accurate order processing.