User Guide

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CHAPTER 6
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Payment Processing
Payment processing falls under two umbrellas: offline and online transactions. You
can determine which one is best for you by answering the following two
questions. Do you want to transact the order when the shopper clicks the Buy
button? Or do you want to save the order to a database and transact the order at a
later point? With online transactions the amount-to-be-paid is quickly and
automatically sent to the Payment Processor and with offline transactions, the
order goes through the transaction stages later from a database. In either case, you
need a merchant account. Before making these decisions, we recommend you read
the Navigating E-Commerce document, paying special attention to the Payment
Process section. The Navigating E-Commerce document is installed at
<installation directory>/Drumbeat/eStore Builder/navigating.doc.
Both online (automatically sent) and offline (later sent) transactions, have some
of the same steps. Both offline and online transactions, deal with the seller,
the buyer/customer, the seller’s bank, and the buyer’s bank (bank name on
credit-card). Both perform credit card validation, authorization, and
settlement functions.
Before reading this chapter, we recommend downloading DrumNote 502 so you
can use the site file as a reference while reading this chapter. DrumNote 502
demonstrates in Drumbeat how to set up offline and online transactions. Find
DrumNotes on the Drumbeat web site at drumnotes.drumbeat.com
In this chapter, learn how to:
 Set up online transactions using CyberCash processing.
 Set up offline transactions