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In a nutshell, what are
NexCommerce's services? Do I have to use them all?
Online Web Gateway and Virtual Terminal: Real-time credit card acceptance
Online EFT Services: Check payment acceptance (via electronic funds transfer)
Free Shopping Cart: Robust website shopping cart service
FormWizard: Easy website order form creation
You don't have to use all of these services. Registration with
NexCommerce allows you to use as many of them as you'd like.
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How does
NexCommerce's process work?
Please see this brief summary.
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Why
should I use NexCommerce?
- More Sales. With the
explosive growth of Internet shopping, you
can't afford not to accept payments
online. NexCommerce allows you to give your
customers multiple payment options; whether
they choose to pay with a credit card or a
checking account, they can make their
payments immediately--and securely--at your
website.
- Simplicity.
NexCommerce provides hands-off payment acceptance.
Though you are welcome to enter your
customers' orders manually, NexCommerce is
designed to spare you that effort. You don't
need to handle any transactions yourself.
Your customers can enter their own
information--24 hours a day--and NexCommerce
will automatically do the rest.
- Speed.
Your customers'
orders are processed in real-time
(immediately). Each transaction takes only
5-30 seconds, depending on Internet traffic
and the speed of your processor. This
enables you to allow access to member-only
areas, allow instant downloads, etc.
- Quick Payment.
With NexCommerce, it takes very little time to
receive payment for the orders placed on
your site. Funds can be deposited directly
into your account.
- Flexibility.
Your customers
can place and pay for their orders
online--automatically--or you can take their
orders by phone, by fax, or in person.
- Security.
The fact that you
never have to handle your customers' payment
information greatly increases its security.
All orders are placed via NexCommerce's secure
server, eliminating the risk of information
theft. Your web site can be hosted on any
server without compromising the security of
your customers' data. (See Security
Information.)
- Price.
NexCommerce's prices are
exceptionally competitive. (See Pricing.)
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Will my order forms need to reside on
NexCommerce's server?
If so, how will I get access to change them when necessary?
Your order pages can reside wherever you'd like, giving you complete control. You simply "post" your order form to
NexCommerce's secure server. After your customers place orders,
NexCommerce redirects them to the URL of your choice. (The URL can also be a CGI.)
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What fields are required in my order form for the process to work?
Please see this
FAQ concerning required and non-required fields.
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How do I (the merchant) get paid?
Online Credit Card: Funds are deposited into your bank account according to your agreement with your merchant credit card processor (generally within
24-48 hours).
Online EFT: Funds are electronically transferred into your bank account.
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Do customers need to belong to an online bank to use
NexCommerce?
No. Back
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What information do my customers provide for order processing?
For Online Credit Card:
Information as listed on the customer's credit card statement, including name, address, phone number, credit card number, and expiration date.
For Online EFT:
Information shown on one of the customer's checks, including name, address, phone number, and the
9 digit routing number on the bottom of the check.
In all cases, the customer is also asked for an email address.
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How do my customers keep track of the transaction?
With each order, an email notification is sent to the customer with complete order details. The transaction then appears on the customer's monthly credit card or checking account statement.
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What prevents the interception of account information on the Internet?
Our security standards are unsurpassed. Since account information is never transmitted unencrypted or stored on the Internet, there is no danger of interception. Account information is never sent via email.
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What about my customers who aren't on the Internet?
NexCommerce's services are not limited to Internet transactions. As long as you have an Internet connection, we can also process transactions you receive via phone, fax, or in
person by using our Virtual
Terminal. Back
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How do I accept credit cards online?
1. Obtain a credit card merchant account.
2. Contact us to
register with NexCommerce.
Once you have completed these two steps, we can set you up with our
service within one business day. Back
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I already have merchant account. Do I need a new one?
No. Any merchant account will work, provided that it utilizes one of the main processing networks
(contact us for a
list of supported processing networks).
If you don't have a merchant account, we can help you obtain
one.
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Do I need a credit card terminal or processing software?
No. NexCommerce eliminates your need to lease or
buy credit card processing hardware or software.
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Does
NexCommerce perform address verification (AVS)?
All of the major credit card processors will accept transactions that do not pass AVS. The fact that processors do not reject non-AVS transactions is a great concern of ours.
Because of this, NexCommerce has one of the first AVS systems
that was introduced for the Internet. Our system allows us to disallow transactions that are allowed through the processor without passing AVS. The system takes into consideration the AVS selection each merchant makes at signup. If a non-AVS transaction is allowed through by the processor,
NexCommerce's system will not allow the transaction to be processed and will issue an error message to the customer.
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Can I post a credit to a customer's card?
Yes. NexCommerce is a fully-functional Point-of-Sale (POS) service. Merchants can post credits to customers' cards. This function is performed on
NexCommerce's secure server in a password-protected environment.
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Can I void transactions online?
Yes. This can be done in real-time in a secure, password-protected environment.
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How do I accept payments via EFT?
1. Set up an account with an EFT Provider through
Thompson Merchant Services (contact us to find out
how)
2. Signup for NexCommerce.
Then, when your customer chooses to pay from a bank account, they simply provide their account information in an online order form. This information is relayed securely to the EFT processor for approval. Once approved,
NexCommerce sends both you and your customer a copy of the order via e-mail. Funds are electronically transferred from your customer's bank account into your own.
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For
NexCommerce, do I need any special hardware or software?
No. For NexCommerce's Online EFT/Check
Services you do not need any special hardware of
software. Back
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Can
NexCommerce EFT transactions be returned by my bank for non-sufficient funds (NSF), etc.?
If your customer provides invalid account information or doesn't have sufficient funds to cover an order, their
NexCommerce EFT transaction will be declined by the EFT processor. Transactions will only be submitted to your bank after they have been screened by the EFT processor. This alleviates the risk of bank-assessed returned-item fees.
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