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Checkout One Payments - PCI compliance simplified

Checkout One Payments - PCI compliance simplified
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$149.99
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Checkout One Payments, PCI compliance simplified.

  1. Authorize.net direct post
  2. PayPal Advanced transparent redirect (no popups!)
  3. SagePay inline iframe
  4. TrustCommerce

PCI compliance regulations are an extra burden when running your web store, but it is one that cannot be ignored. There have been numerous solutions: X-Payments, offsite processors, hosted credit card pages, and others. However, the problem with these methods is that they create extra steps, extra buttons, additional pages, loading frames after pressing the checkout submit button, expensive X-Payments installs, forced upgrades, and numerous other hassles.

Checkout One Payments is an interface for Checkout One that supports modern methods to submit payments, namely Transparent Redirects (also called direct post) and inline iframes.

Advantages:

  1. These methods are completely transparent to the customer. Your checkout will work exactly as it always has. At the bottom of the page there will be a regular credit card entry section (all of the magic happens behind the scenes).
  2. Quick and easy set up, no file changes required!
  3. X-Payments is not required.
  4. You don’t need to upgrade to the latest X-Cart. You can run the software on any version of X-Cart from 4.1.x onward.
  5. You keep a simple checkout for your customer.
  6. The X-Cart software isn't handling the credit card data your already PA-DSS compliant merchant bank software is.
  7. Minimize your PCI compliance requirements. Using your merchant banks servers greatly cut down your risk exposure and consequently reduces the effort required to validate compliance.
  8. In most cases, you can be PCI compliant with the easier Self Assessment Questionnaire A. The requirements vary and you should contact your individual credit card processor and/or merchant bank to confirm the requirements for your website.

For better or worse X-Cart is going full X-Payments. If you want to send credit card data through your server, you need X-Payments. But why? The great majority of sites don't need to store credit card data or have it pass through their server. Sending credit card data directly to the merchant bank is the economical and secure option for small to medium sized businesses to accept payments on their website.

Seems too easy, doesn't it? Every solution for compliance has been hard to integrate, required extra steps, was extremely expensive, or required you to send the customer off your site to the merchant’s site. A fully integrated transparent redirect looks like a checkout submitting data to your server, but in fact there are multiple http streams with data being sent to separate servers.

Diagram of a transparent redirect

As you can see, the credit card data goes to your merchant bank, and the merchant bank sends an approved or denied message to X-Cart to process or decline the order. The only data going to your server is the customer's registration data.

Currently four popular payment methods are supported:

  1. Authorize.net direct post
  2. PayPal Advanced transparent redirect (no popups!)
  3. SagePay inline iframe
  4. TrustCommerce

Your Checkout One Payments license includes access to all available processors in the Checkout One Payments module. This will give you flexibility to switch credit card processors without needing to repurchase any software. Additional payment processors are being added per request and time permitting. If you have a request please send it via the contact form. Not all processors support a direct post or inline iframe yet, but most will in the near future.

DEMO:

http://www.alteredcart.com/demo/

Requirements: Checkout One Version 2.2.1 or greater

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