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  #1  
Old 05-28-2013, 10:52 AM
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seaCOAST seaCOAST is offline
 

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Default X-Payments hosted

I'm trying to understand how X-Payments works...after reading through some of these posts, it's not much clearer to me.

I'm in the process of setting up my Authorize.net merchant account. If I use the X-payments hosted option, will my customers remain on my site or will they be redirected to another url to complete the payment process?
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  #2  
Old 05-28-2013, 03:44 PM
 
carpeperdiem carpeperdiem is offline
 

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Default Re: X-Payments hosted

You need to understand WHY x-payments is needed before you can evaluate the reasons for having it or not.

read up on PCI Security Standards
https://www.pcisecuritystandards.org/

I will now oversimplify the general idea:

Does your merchant bank require that your web application be PCI-DSS compliant? If not, your merchant bank is most likely in violation of PCI DSS. If yes, you have only a few choices:

1. Use a "hosted" payment gateway - provided by your merchant bank;
2. Use a PCI-DSS compliant payment application. X-Cart is NOT compliant. X-Payments is.
3. Or use a 3rd party payment processor, such as PayPal.

The bottom line: you are not permitted to collect credit card information on your website unless you meet certain industry standards. If you lie or try to beat the system, and your server gets hacked and credit card numbers are exploited by hackers, you are personally liable for insane amounts of penalties.

If you want to have customers type their credit card numbers into your website, you must have option #1 or #2 (or use a payment service such as #3).

X-Payments is a secure and PCI certified application that IF CONFIGURED properly, is a secure way to collect and process credit cards, in a secure environment separate from your x-cart store. It is NOT a merchant account. It is not a payment gateway. It is the application that connects x-cart (or other configured shopping carts) to your merchant account gateway, securely.

X-Payments is sold as a lifetime license (you provide server) or hosted. Depending on your needs and technical expertise, you should determine which method is better for you.

Got it?
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The following user thanks carpeperdiem for this useful post:
ambal (05-28-2013)
  #3  
Old 05-28-2013, 04:24 PM
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seaCOAST seaCOAST is offline
 

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Default Re: X-Payments hosted

Thank you. Yes I get it. I already have paypal standard set up and wanted to give my customers the ability to stay on my site to enter the CC info. IT doesn't look like that will happen.
It appears that the less expensive way out is to stick with paypal standard and use something like authorize.net sim which I believe is hosted.

ie-
X-payments $50/month PLUS merchant account fees of about $30./month
Plus $25. min charge which I'll probably get whacked with since my store is brand new.
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  #4  
Old 05-29-2013, 12:06 PM
 
ramdial ramdial is offline
 

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Default Re: X-Payments hosted

you can also look into paypal advanced .
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  #5  
Old 05-29-2013, 12:13 PM
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seaCOAST seaCOAST is offline
 

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Default Re: X-Payments hosted

I don't see any option in Xcart 4.5.5 for Paypal Advanced. Can that be used without Xpayments and where to configure it?
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  #6  
Old 05-29-2013, 12:34 PM
 
ramdial ramdial is offline
 

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Default Re: X-Payments hosted

Look here for some help :
http://help.x-cart.com/index.php?title=X-Cart:Switching_to_a_Different_PayPal_Solution
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