Loaded Commerce Community

Hi -

I have a customer who wishes to processes their orders offline through a third party merchant gateway account not integrated to the website. Can CreLoaded be configured to store the cart content and customer information and complete the checkout steps without actually processing the payment online?

Thanks.

Maybe but it would depend on what they want the reply to be... i.e. use a COD module or a check/money order module and change some of the text to something like: Process order and get with store for payment...

The check/money order module records the order and expects them to then send payment. Should be pretty easy to adapt to ask them to arrange for payment other then just check/money order.

Mike

Mike -

Thanks the COD module is a good idea.
Any thoughts on how to handle credit cards.
They currently have a site which accepts credit cards but dead ends in the shopping cart
and presents a "thank you - your order will be processed within 48 hours". It does not perform the merchant transaction at this point. The staff places the orders through their accounting software
package the next day which is hooked up to their payment processor and that is when the card is actually charged. So, in redesigning the site with CRE, they want the cart and checkout to work the same way. They don't want the cards to be charged at the time of checkout on the site until the staff can verify the product is available the next day and then can contact the customer if it is not without the card having been charged.

With the changes in the PCI standards I would not want to have access to the credit card info and especially never want to store the credit card info in a database (the fines, if the card info is compromised, are crazy high, and PCI compliance takes a lot more steps to obtain)... to that end I would use an off-store payment processing and set the transaction to "authorize" versus "sale". The card has the amount of the purchase placed on hold, and the store can do a delayed capture to get the funds from the customer's credit card if the product is in stock.

Mike

We have been looking into this exact issue and being new to PCI having a bit of a time with it!

Most of Mike's last post sounds practical but over my head to implement.

It has been suggested to us that using "CRE Credit card with ccv payment module" would work for processing the actual charge off line after we verify that we can fill the order. (I am preparing to install the module now to see what it looks like on my test store using CRE CE).

Would anyone have any comments on this module? Would this module solve the problem?

And directly to the point: If our site is secure with SSL certificate are we secure enough?

Any comments would be appreciated!

Thanks, Pat

Hi Mike!

Could you elaborate?

"I would use an off-store payment processing and set the transaction to "authorize" versus "sale". The card has the amount of the purchase placed on hold, and the store can do a delayed capture to get the funds from the customer's credit card if the product is in stock."

"off-store payment processing" meaning one of the supported payment gateways?

"set the transaction to "authorize" versus "sale" " meaning in the installed payment module?
These are actual directives to the card processor (and note to the customer) that they should authorize and place a hold "Only" on the sale total?

"the store can do a delayed capture to get the funds from the customer's credit card if the product is in stock." meaning... once we determine that we have the item we can set the transaction, in the payment module, to "sale" and the CC processing takes place at that time (we would not take more than 12 hrs to check availability)?

If my above comments (or guesses) are correct, what happens if we find that the item will not be available for 3 months? Is there a an appropriate setting in the payment module that would release the hold on the funds and void or cancel the invoice?

Of course from the beginning we have communicated with the customer and presented the facts (including cross selling if appropriate) so we have an informed and happy customer!

Any comments would be appreciated!

Thanks,
Pat