Processing Payments on RedCup Hosting

Quick Facts

  • Accept secure payments online.
  • Protect your customer data while it is in transit with SSL encryption.
  • Use our risk tools to help detect fraudulent orders.

Payment Methods

To open for business, you must add a secure payment method to your store.

Get a new merchant account

Authorize and receive credit card payments online with services from one of our certified partners.

Payment Security

Protect customer data with the same encryption technology used by banks.
  • Help shield customer information while in transit, using Secure Sockets Layer (SSL) with 128-bit encryption.
  • SSL offers the highest level of encryption supported by commercial web browsers and follows the standards established by credit card leaders such as Visa and MasterCard.
Verify addresses and credit card security codes to help reduce fraud.
  • Help detect fraudulent activity by using our risk tools to check credit card billing addresses and CVV numbers.
  • These verification processes are compliant with Visa Cardholder Information Security Program (CISP) and PCI.

What if I already have a merchant bank account?

As part of our high level of security our web site services provide we are able to offer you low cost merchant service pricing through one of our certified partners. Give us a call to help you determine the benefits of utilizing one of our certified partners. If you have a merchant account that is not compatible, you can set up to process transactions offline.

Merchant Account Application and Set Up

We provide both a quick online Getting Started Guide overview and an extensive downloadable Getting Started Guide. The online overview is intended to give you an idea of the steps you will complete in order to build, manage, and promote your store. The downloadable guide provides in-depth, step-by step instructions. You can request a copy of the Getting Started Guide from customer care. We recommend looking over the online guide to get an idea of the materials you will need and decisions you will need to make in building, managing and promoting your store. Then, read the downloadable guide as you begin to build your store.

Congratulations on taking the first steps towards your online goals! Now that you've gotten started, the best way to ensure your success going forward is to monitor your site sales and performance, and to integrate this learning into your evolving business strategies.

Get detailed information in the downloadable Getting Started Guide

The Getting Started Guide provides in-depth information and instructions to help you build, manage and promote your store.
With the guide you will:
  • Get an introduction to Merchant Solutions service and tools
  • Learn about the various methods of building your site
  • Follow instructions for creating your product, section, and required pages and how to modify the look of your site with global variables
  • Read instructions for ideas on building your web site
  • Discover ways of customizing your checkout pages
  • Learn about Promotional Tools, Payment and Shipping Methods
  • Review instructions for processing orders and much more...

Credit Card Payment Processing--How It Works

This document provides an overview of how online credit card processing works. Credit card payment processing for your store takes place in two phases: authorization (getting approval for the transaction that is stored with the order) and settlement (processing the sale which transfers the funds from the issuing bank to the merchant's account). The flow charts below represent the key steps in the process starting from what a customer sees when placing an order through completing the sale and finishing with the merchant processing the sale to collect funds.


Authorization process

1. When the buyer clicks the "Checkout" button, they are sent to secure servers to complete the checkout process. The Buyer (cardholder) places an order at the merchant's site by clicking the "Send Order" button on the Review Order page during checkout.

2. Redcup Hosting sends the authorization request to First Data Payment Processor, the payment processor.

3. First Data sends the authorization request to the issuing bank (or credit card association). The authorization request includes:

  • The credit card number
  • Expiration date
  • The billing address (used for AVS validation)
  • The CVV number (if entered)
  • The amount of the order

The Issuing Bank (or Credit Card Association):

  • Validates the card number and expiration
  • Checks the amount of the order against the available credit
  • Checks the billing address provided against the billing address on file
  • Validates the CVV number (if provided)

If approved, the amount of the order is reserved from the total of available credit for the cardholder.

4. The Issuing bank (or Credit Card Association) sends the authorization response to First Data the authorization response consists of either an approval along with Address Verification System (AVS) and Card Verification Value (CVV) response codes or a decline.

5. First Data adds response codes to the authorization response and passes the authorization back to Redcup Hosting. If the merchant has enabled Risk Tools, the rules set by the merchant will be run when the response is received from First Data. The authorization (if approved) is stored on secure servers at Redcup Hosting for later processing by the merchant.

6. Depending on the state of the authorization, the buyer (cardholder) receives instructions or confirmation of the order:

If declined, the buyer (cardholder) is informed and asked to try a different payment method.
If the authorization is approved by the Issuing Bank (Credit Card Associations) then the buyer (cardholder) is taken to the Order Confirmation page.




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