Sage Pay

Monday November 9, 2009 at 7:00am

Sage Pay Go with Direct integration enables customers to take card details on your own secure servers and then pass them to Sage Pay for authorisation and secure storage in a server-to server session that does not involve redirecting the shopper to Sage Pay’s payment pages.

The advantages of this method means you have complete control over the look and feel of your payment pages. Also from the customers perspective they never leave your website which helps to give the impression that the site is secure and professional.

In order integrate with Sage pay in this way it does require you to comply to strict guidelines to ensure that you are collecting, storing and transferring card data in a secure way. It also requires a 128-bit SSL certificate to secure your payment pages.

Sage Pay charge £20 per month for up to 1000 transactions per quarter and for merchants processing more than 1000 transactions per quarter, each transaction is charged at 10p with a minimum charge of £20 per month.

Using my Sage Pay console you can refund the full or part of a transaction amount, as well as void a transaction. You can only make a refund to the same card details as the original transaction. You can’t refund if the card has expired or if the authorisation was not taken via sage pay. You can only void a transaction that hasn’t been sent for settlement. Voiding the transaction will cancel the transaction and not include it within the daily bank settlement file.

Sage Pay uses 3D secure authentication, which is an additional security measure that has been introduced by Visa and MasterCard as a more secure method of authenticating the shopper at the time of the transaction. The advantage of this is that as a vendor is the liability is shifted if the transaction later turns out to be fraudulent and you will not be responsible. This reduces the risk of chargeback’s however you need to double check with your merchant on any occasions that you believe the liability should have been shifted. There are also some cards that aren’t part of the scheme and as yet and there are no similar alternatives.

Setup Time
In order to setup a Sage Pay account you will first need to get an internet merchant account number. In order to get an Internet Merchant Account number you’ll need to apply for one with an acquiring bank. They may charge you for their services and there may be a sign-up fee of around £200 and day-to-day charges, which may be a fixed fee in the case of debit card transactions or a percentage of each transaction for credit cards. Normally it takes between 24 and 48 hours however there are some providers who can approve an internet merchant account in less than 24 hours.

Once you have had your internet account number approved, you will need to apply for an account. This will consist of filling in an online form covering your company details, contact details, merchant accounts, services, technical and billing. Once you have confirmed all your details to Sage Pay, they will confirm that the account has been created and that the account is ready for testing. Once you have completed all the necessary tests, sage pay will automatically set your account live and you can start processing payment through Sage Pay.

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