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.

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), purchasing cards (Level II cards), 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. Sales Support is 800-931-9835 ext 3.

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 as well via a toll-free number. Sales Support is 800-931-9835 ext 3.

Authorize.net Advanced Integration Method

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. 

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. Sales Support is 800-931-9835 ext 3.

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