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Clippy
5th June 2007, 11:19
Anyone any knowledge of this.

Looking at this for Plan B and initially going to go with Google Checkout as it is free. Just wanted to know where the liability would lay if a stolen credit card is used. From what I can make out, it lies with me, the retailer.

Any info/advice on other merchant svcs much appreciated.

EqualOpportunities
5th June 2007, 11:28
Anyone any knowledge of this.

Looking at this for Plan B and initially going to go with Google Checkout as it is free. Just wanted to know where the liability would lay if a stolen credit card is used. From what I can make out, it lies with me, the retailer.

Any info/advice on other merchant svcs much appreciated.
I thought, under the Consumer Credit Act, that it lay with the bank. But maybe I made that up...

VectraMan
5th June 2007, 11:48
From my experience of WorldPay, the retailer is completely liable: they take back the money and charge you a fee as well.

We used NoChex for UK cards and they did guarantee transactions, but only for UK cards.

That was a couple of years ago so both could have changed.

Ardesco
5th June 2007, 11:49
You are supposed to be verifying the details yourself before taking money. In the case of google checkout as they are collecting the payee information I would have thought they would be taking liability, but then why do that when they can pass the risky part or taking payments accross to you :)

Clippy
5th June 2007, 12:00
Looks like Google Checkout is a no go, for various reasons.

Can anyone recommend a way to go that is cheap and effective?

angusglover
5th June 2007, 12:05
Liability lies with the bank if chip n pin is used. It lies with the retailer if you get them to sign.....

gingerjedi
5th June 2007, 12:45
So what if people give CC details over the phone including the 3 digit security code, I'm not planning on taking payment but I am curious as to how I would stand as a customer, I have never felt comfortable giving these details but when booking things like train tickets over the phone it's often the only way.

IDB
5th June 2007, 13:15
I've just signed up with PayPal's Website Payments Pro - gives a Virtual Terminal for phone/e-mail payments, and all website payments are handled by PayPal in more of a proper merchant manner (eg no redirecting to PayPal's website, and no requirement for customers to have a PayPal account).

Ardesco
5th June 2007, 13:16
There is also the new 3D secure stuff where you have to register a online password with your card provider. From that point on you will be redirected to a 3D secure site where you have to enter your password during the authorisation of the transaction to verify you are the legitimate card holder.

This only happens if the site you are using subscribes to the 3D secure protection though. I would have though google would do this, that way onus is on the bank again and it is much more secure than just letting any old joe bloggs enter credit card details (admittedly it's only as secure as the users password but an extra level of security is always good).

Ardesco
5th June 2007, 13:16
I've just signed up with PayPal's Website Payments Pro - gives a Virtual Terminal for phone/e-mail payments, and all website payments are handled by PayPal in more of a proper merchant manner (eg no redirecting to PayPal's website, and no requirement for customers to have a PayPal account).

I have a paypal account as well, worst thing is the fee's they charge. Works well enough for the moment, but customer service is beyond a joke.

King Cnvt
5th June 2007, 13:21
PayPal take about 3.5% for every transaction. Quite a lot and there is a limit on the amount a customer can pay on Credit or Debit card (£1K per customer I believe).