Quite a lot of potential online traders in Indonesia are asking me, how to take care of online payments to be selling on the Internet. Many 3rd party payment gateway for credit card via the internet. But in Indonesia is still small, and most can not continue running. Examples www.commerce.net.id or www.cipas.com (Cipas actually a Malaysian company that is not wrong, but has offices in Indonesia). BII also used to provide these services. There are several others, but I myself do not know.
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So the selection of 3rd party would have to do with parties outside the country. Maybe you should look for already employed the same or trusted by Version example. Quote affairs a little trouble on this one. Another difficulty that may occur, you should already have an online application (shopping cart) which will then be connected to the system payments their gateways. So you have to work with your web maker, and give the object that is provided by 3rd party. (Oh yes, the merchant is not allowed to store credit card data you know). You should also use the services of a consultant making a good web. If using web maker of the 'origin', chances are you have a shopping cart even baseball adequate.
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Once your website with shopping carts finished, and then paste the object code provided the payment service provider, you can already selling to a world Antero. Done?
The risk of selling with Credit Card payments
Apparently not as easy as imagined. Credit card fraud levels are still high. You must be prepared to bear the loss if the buyer uses a credit card illegally. Payment service providers will not pay you if this happens. Simply put, you are to suffer the consequences if anything happens with this credit card. Fair? But this is the condition given by the payment service provider.
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This is the hardest part of the online merchant. If you only sell services such as hosting services, you may only decide your services. But if a product, where you have to have capital first?
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There are a few tips to avoid credit card fraud for those of you who have become an online merchant:
- Some countries in the world is in the 'black list' because there has been fraud, such as: Africa, Romania, Nigeria, Malaysia, Slovenia and Indonesia!. This means that if you hold a credit card Indonesia, do not expect your card to buy goods online can. So if you as a merchant doubt ... do not be sent.
- Buyers addressed in Thailand, for example, but using a credit card USA, it also should be suspected.
- Although already in the blacklist or baseball can order online, Carder (the term for illegal credit card users) Indonesia often outsmart the other way. They can call you, then ordering via phone / fax, and give their credit card data. This should also not be in disbelief. Even if they can prove it can deliver reports of credit card payments over the past 3 months. There is a good confirmation to the bank that provides credit cards, and asked banks to inform customers that there are transactions to you. If the bank then informed that the credit card is not used, then cancel it.
- And many other evil ways that I still do not know. If you know, please let me know too.
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VISA and MasterCard are working for online transactions on the Internet should use a pin number that can be changed by owners. Hopefully these steps can make eCommerce on the Internet a better and eliminate the bad image in the past. Unfortunately, the owner must be willing to bothered to register with the bank issuing the card. This reduces the chance of people to shop online. If possible, locate the Payment Gateway providers are already using this. Hopefully you will be protected as a merchant.
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