Certificates

Of course you'll need a company to host your site, but if you decide to process credit card orders you'll need one that can provide a secure server. In many cases the hosting company will provide you with one for free, in other cases you may have to pay up to $10 per month on top of your normal hosting charges. If you want to use your own domain name as a secure server rather than your hosting companies domain name and certificate, you'll need to purchase your own certificate from either Thawte or Verisign which will cost between $125 and $350 a year. EquiFax is another secure certificate issuing company who can issue you a certificate for your site for only $99. InstantSSL SSL certificants at US$49 if you need the certificate for security rather than marketing

So how does a secure certificate work? A secure server is a web server application that ensures secure information transfer between a web server and a web browser. The encryption is done with a protocol called SSL (Secure Socket Layer). When you connect to a secure server with your browser, the server and the browser use Secure Socked Layer to tell each other how to encrypt the information. Then they can securely exchange the information. For example, you can send credit card information to a secure server, and no one will know what kind of information you sent.

So, the first task that a secure server does for you is to encrypt your information. However, a secure server does much more. The most important task a secure server performs is to identify itself to the browser. It identifies itself by presenting a digital certificate to browsers who request a secure connection. The certificate works for a secure server the same way a driver license works for you, except that it is much more difficult to fake.

All of the above happens absolutely transparently for the person browsing the site. Their browser just tells them that the secure connection was established and then shows the page. The most important thing from an Internet merchant's perspective, is that this gives your customer more confidence, and convinces them that their order information will be transferred to you safely and securely.

Verisign certificate

VeriSign's portfolio of products provides merchants with a high-speed,
secure, and dependable way of processing transactions online, in
real-time. But there are additional advantages to VeriSign's products
that make them the payment processing solution of choice for merchants
seeking to establish a competitive edge in the e-commerce world.
Included in this message is are different links to download our
documentation and also to sign up for test account.

Here is some additional information regarding our services:

Payflow Pro -

The PayFlow Pro is our TCP/IP solution where you would host the order
form that captures the credit card information. You would be required to
download our SDK (Software Developers' Kit - our API) onto your web
server. Through this API you would pass all the information to our
servers where we obtain the approval in real time and send the approval
code back to your server. Everything will reside on your server,
therefore your client would not leave your site and you would maintain
full control over your clients information. Pro is very a very robust
service which allows for full customization and integration. It is
designed for merchants requiring a high performance solution to process
a high volume of transactions. In conjunction with Pro, you must use SSL
(purchased separately) to encrypt the transmission of data between your
servers and VeriSign.

Pricing:
$249 set up fee + $59.95/month
Only supports up to 1,000 transactions/month anything over 1,000 you
will be invoiced .10 cents per transaction
Paid out for the first year: $59.95 X 12 + $249 = $968.40
*For a LIMITED TIME (until June 30th) I can reduce the cost of Payflow
Pro to $849 for the full year and for 2 years $1399.

Please take a look at our Payflow Pro Developer's Guide:
https://register-payflow.verisign.com/downloads/PayflowPro_Guide.pdf

Payflow Link -

PayFlow Link is the right solution for you, the merchant, if you are
looking for a fast and easy way to conduct secure automated transactions
over the Internet. The Payflow Link solution provides you with back-end
connectivity to all leading payment processing networks and allows
merchants to support multiple payment instruments, including all major
credit cards, and debit cards.

Payflow Link enables you to connect your consumers to a secure
VeriSign-hosted order form and use it to automate order acceptance,
authorization, processing, and the management of transactions. It's as
simple as entering an HTML hyperlink into your existing Web site.

Payflow Link is the ideal choice if you process low-to-moderate levels
of orders, and prefer a solution that is especially easy to implement
and maintain. You will find that you can payment-enable your Web sites
with little or no assistance from a Web developer.

Pricing:
$179 setup fee + $19.95/month
Only supports up to 500 transactions/month
anything over 500 you will be invoiced .10 cents per transaction
Paid out for the first year: $19.95 X 12 + $179 = $418.40
*For a LIMITED TIME (until June 30th) I can reduce the cost of Payflow
Link to $349 for the full year and for 2 years $499

Please take a look at our Payflow Link demo here:

www.verisign.com/payment/demo <http://www.verisign.com/payment/demo>

If you would like to sign up for a free test account with Payflow Link,
please do so here:
https://register-payflow.verisign.com/testreg.cfm?partner=VeriSign&produ
ct=1000&memo1=WebLink27

Please take a look at our Technical Guide with Payflow Link:
https://register-payflow.verisign.com/downloads/PayflowLink_Guide.pdf

Here is a sample site that uses Payflow Link:

http://www.pcb.edu/advancement/give.htm

If you are interested in our Payflow Pro Service I would suggest also
purchasing one of our digital certificates as well to secure your
server. Please take a look:

Commerce Site (which includes the Payflow Pro Service + 40 bit Digital
Certificate) - $895 - for the full year
Commerce Site Pro (which includes the Payflow Pro Service + 128 bit
Digital Certificate) - $1395 for the full year

<http://www.verisign.com/products/site/commerce/index.html>

In conjunction with our Payflow Services you will an need an internet
merchant account. An Internet merchant account is an account with a
financial institution that enables you to accept payments over the
Internet. Merchant accounts are available for multiple payment types.
Before you can accept credit cards or checks for your online store, you
must obtain an Internet merchant account that will work with the payment
method you chose to accept on your Web site. You can obtain an Internet
merchant account from any financial institution that supports the
following processors:

First Data Merchant Service (FDMS)
Paymentech (Salem)
Vital Processing Services (Visanet)
Nova Information Systems
Global Payments

We partner with Merchant E Solutions who offer:

One time set up fee: $99.00 - being waived for the month of June your
promotional code is: jlight

Monthly Statement Fee: $10.00
Discount Rate: 2.3%
Transaction Fee: .30 cents per transaction

To apply for internet merchant account (if you do not have an account)
through Merchant E-Solutions:
(http://www.merchantesolutions.com/application/team2.asp)

You may choose to use your own bank which is fine, but I just wanted to
show you our partner's rates. If you wish to call them - 866-815-2218