My Merchant Account Blog

Application Programming Interface - API

Saturday, April 14, 2007

Each gateway will offer an API to process transactions on your secure website. One of the many benefits to using an API to consistency. When checking out, the consumer does not notice any difference in the layout of your website.  The consumer is able to enter his / her credit card information on your secure website.

Quantum Payment Gateway

Unlike most of the other electronic payment gateways, the Quantum Gateway is one of the few electronic payment gateways that does not charge a transaction fee or a monthly fee.  The API can handle pre-authorizations, sales, recurring billing, and returns.  The Quantum Gateway API will allow the merchant to choose to store the credit card number in a secure manner on Quantum's servers, allowing the merchant to do recurring billing if necessary - simplifying your PCI DSS complaince.

The Quantum Gateway does not charge a fee for transactions.

Fraud Prevention

The Quantum Gateway offers basic fraud protection services (AVS, CVV2 / CVC2 / CID, IP Blocking) at no additional charge.  Advanced protection services (VBV / MSC, MaxMind GeoIP, DialVerify) at no additional charge.

Technical Support

The Quantum Gateway offers free merchant support 365 days a year at no extra fee.

LinkPoint API

LinkPoint's product is called LinkPoint API.  They will provide you a free store to use to test the functionality of your script.  The LinkPoint API module can handle sales, returns, real-time authorizations (pre-authorizations), and it will automatically set up recurring charges if needed.  LinkPoint does not charge a transaction fee for its services.  LinkPoint also does not charge a fee for its recurring billing product.

Technical Support

Level One technical support is available with 24-hours a day, seven days a week through a toll free number (888-477-3611). Level Two support is available Monday - Friday from 9 a.m. - 6 p.m. Pacific time.

Fraud Prevention

The LinkPoint gateway offers basic fraud protection services (AVS, CVV2 / CVC2 / CID, IP Blocking) at no additional charge.  Advanced fraud measures, like VBV / MSC is about $8.00 a month and 8¢ a transaction.  They also have something called Fraud Flex Detect that is proprietary.  They charge about $8.00 a month and 9¢ a transaction.

Authorize.net

Authorize.net Advanced Integration Method (AIM) is their API product. Authorize.net currently just released their periodic billing module as well.  They still charge about $19.95 a month.  They also charge $19.95 to use their Customer Information Manager.

Fraud Services

Authorize.net offers Advanced Fraud Detection Suite for $9.95 per month.

Technical Support

Authorize.net's technical support is opened only Monday - Friday from 6:00 a.m. To 6:00 p.m., closing January 1st and December 25th. Technical support's phone number is can be reached at 877-447-3938.

Paypal Payflow

Paypal bought the Payflow gateway from Verisign in 2006, but it kept it's name. Payflow calls its API Payflow Pro.  The Payflow Pro allows you to do sales and pre-authorizations.  Payflow charges $.10 per transaction after 1,000 transactions is reached each month.  Payflow Pro also offers other features as well like recurring billing, fraud support, and technical support. Payflow recurring billing is $39.95 to set up and $29.95 a month to maintain this service.

Fraud Services

Payflow offers a basic and an advanced fraud protection. Their basic plan will allow you to catch high dollar amounts, check for suspect IP addresses and ZIP codes, watch for address mismatches, and repeat buying.  The advanced plan offers everything with the basic plan plus rapid card use, and whitelisting of current customers.  There is a set up for of $29.95 for the basic plan and $89.95 for the advanced plan.  The monthly rate is $19.95 a month for basic plan and $49.95 a month for the advanced plan.  There is also a transaction cost as well - $.05 per transaction for the basic plan and $.10 per transaction for the advanced plan.

Technical Support

Technical Support is available through monthly plans.  They offer a 13X7 Enhanced Support for $159.00 monthly and 24X7 Premium Support for $495.00 a month.

Similar Articles: Comparison of Fees and Options for Six Payment Gateways and Comparing Electronic Payment Gateways

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