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 2Checkout changes - URGENT
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tarekallam
Starting Member

2 Posts

Posted - March 28 2005 :  13:50:55  Show Profile  Reply with Quote
Hi,

I just received an email from 2Checkout concerning changes to their system, I believe these changes will affect all VPASP customers using 2CO, my site is still under construction so I am not able to takean action or test at the moment but I'm concerned and I feel that the gateway will have to be modified to comply with the cange. Please find below the full text of the email I recived from 2CO and keep me updated.

Regards,
Tee

Dear Sir or Ma'am,
As you may or may not already be aware, 2Checkout.com is now required to
know what specific products and/or services are being purchased at the time
of sale and for the information on these products and services to be stored
in our database. These changes are due in large part to changing credit card
association requirements.

These new requirements primarily affect vendors that are using either third
party shopping cart solutions or custom designed scripts instead of the
built-in 2CO Plug and Play cart. There are now new parameters that are
required in addition to those already being used by these carts and scripts.
We are recommending you complete your transition by March 31, 2005 in order
to avoid any difficulties with various credit card compliance issues.

These new parameters are available at the following URL:

https://www.2checkout.com/documentation/newparameters.html

Our primary concern is to have your products better represented in our
databases and we are willing to work closely with you to accomplish this goal.

As an alternative to the solutions outlined below, the 2Checkout Plug and
Play cart is of course already in compliance with the new regulations and
requirements because it runs off of our own database of products. You may
switch to our free Plug and Play shopping cart at any time, and our staff is
willing to help you with this.

Since this affects two major divisions of vendors, I shall address each in
turn. As mentioned previously, this affects third party shopping carts and
custom designed scripts. If you are not sure which category you fall under,
please use the following descriptions to help determine which category you
fall under.

> Custom Designed Script / Cart
A typical example of a custom designed script is one that you hired an individual
programmer or development team to design for you. These are generally
unique to your company, hence the term "Custom", or to a small
group of other merchants on the Internet.

> 3rd Party Shopping Cart
You will most likely have what is called a third party shopping cart if the
shopping cart solution you use, was downloaded from a major vendor,
manufacturer or web site that also provides this same
product or service to other vendors on the Internet.

Examples of 3rd Party Shopping Carts include :
- CubeCart
- aMemberPro
- CwhoIs
- CyberStrong
- E-Commerce Templates
- Mals E-Commerce
- Mambolabs
- Mambo-phpshop
- Membership Client Pro
- OSCommerce
- Page Down Technology
- QuickPay Pro
- Roman Cart
- SecureNet Shop
- Shop Factory E-Commerce
- X-Cart


~ Custom Designed Cart / Script Instructions:

If you are using a custom designed script, what you need to do to become
compliant can vary depending on the resources available to you. It will
need to be updated to include these new parameters. However, sometimes
it is the case that the original designed is no longer working on the
script. We do understand your concerns if you fall under this situation,
yet you must realize that these changes are mandatory and beyond our
control. The regulations have come about due to the rapidly growing
business environment at 2Checkout.com. We hope that you understand that
this only means great things for you as we continue to grow, and we also
understand that the success of our company is also closely tied to the
success of your company.

Your developer, development team or you will need to make these changes
to the script or cart. The 2Checkout staff is able and willing to answer
any questions you may have about this process and we may be contacted a
number of different ways. Our contact information can be found at the
bottom of this email for your convenience. Also be sure to see the
section following the 3rd party cart section below for an example of
what is required.

~ 3rd Party Shopping Cart Instructions:

The first thing you should do is to check the manufacturers web site to
see if they have any software updates that are needed to work with our
V2 system. They may also have instructions posted regarding any
configuration changes that are also required. Unfortunately,
2Checkout.com can not help you upgrade or reconfigure your cart software
for the same reason mentioned earlier. We did not make the cart, so we
do not know how it works or is designed. The manufacturer will have to
assist you with this. This is not to turn you away from our support, as
we are able and willing to assist in any way we possibly can, but it we
strongly urge you to contact the manufacturer first to see what they
recommend as they will be much more qualified to assist you with this
process than we are. They may also need to know what changes we have
made, and we have alerted many manufacturers about this upgrade prior to
this email. If your cart vendor does not have a solution in place or
does not have the information for whatever reason, you may find this
information at the following URL:

https://www.2checkout.com/documentation/newparameters.html

~ In Both Cases:

In both cases, if you do not wish to make these changes, or simply can
not, the 2Checkout Plug and Play cart is of course already in compliance
with the new regulations and requirements because it runs off of our own
database of products. You may switch to our free Plug and Play shopping
cart at any time, and our staff is willing to help you with this. There
are also resources available online to help you with this.

1.) The V2 Users Guide :
https://www.2checkout.com/documentation/UsersGuide2/usersguide.html
2.) Our Knowledge Base :
http://support.2co.com/deskpro/faq.php

Example Submissions:

These new parameters are IN ADDITION TO those already required for
proper submission of a cart sale.

Please Note: Only two parameters that are required if the product
is already created in our database.

Example Form submission using the 2CO 3rd Party Parameter Set:

<form action="https://www.2checkout.com/2co/buyer/purchase" method="post">

<input type='hidden' name='id_type' value='1'>

<input type='hidden' name='c_prod_1' value='QAWSZX0678,3'>
<input type='hidden' name='c_name_1' value='Sample Product'>
<input type='hidden' name='c_description_1' value='Sample Product Description'>
<input type='hidden' name='c_price_1' value='5.00'>
<input type='hidden' name='c_tangible_1' value='N'>

<input type='hidden' name="c_prod_2" value="CABLE0029,1">
<input type='hidden' name='c_name_2' value='A Second Sample Product'>
<input type='hidden' name='c_description_2' value='This Products Description'>
<input type='hidden' name='c_price_2' value='10.00'>
<input type='hidden' name='c_tangible_2' value='N'>

<input type='hidden' name='sid' value='XXXXXX'>
<input type='hidden' name='cart_order_id' value='050304-102658-3874'>
<input type='hidden' name='total' value='25.00'>

<input type='submit'>
</form>

Example Form submission using the Authorize.Net Parameter Set:

<form action="https://www.2checkout.com/2co/buyer/purchase" method="post">
<input type='hidden' name='id_type' value='1'>

<input type='hidden' name='c_prod_1' value='QAWSZX0678,3'>
<input type='hidden' name='c_name_1' value='Sample Product'>
<input type='hidden' name='c_description_1' value='Sample Product Description'>
<input type='hidden' name='c_price_1' value='5.00'>
<input type='hidden' name='c_tangible_1' value='N'>

<input type='hidden' name="c_prod_2" value="CABLE0029,1">
<input type='hidden' name='c_name_2' value='A Second Sample Product'>
<input type='hidden' name='c_description_2' value='This Products Description'>
<input type='hidden' name='c_price_2' value='10.00'>
<input type='hidden' name='c_tangible_2' value='N'>

<input type='hidden' name='x_login' value='XXXXXX'>
<input type='hidden' name='x_invoice_num' value='050304-102658-3874'>
<input type='hidden' name='x_amount' value='25.00'>

<input type='submit'>
</form>

The above form codes will start a sale that has two different products
with a total cost of .00. There are three items of product #1 being
purchased at .00 each and only one of product #2 at .00. Your cart or
script needs to basically reproduce what these forms do when submitted.
Hopefully these codes will help you visualize the end goal of what your cart
or script needs to do. If you have any questions or need assistance with this,
please do not hesitate to ask for assistance from us. Again, we do strongly
recommend that you contact the manufacturer of your cart or script
(in either case) first to receive any needed software updates or configuration
instructions first, as 2Checkout.com does not have any working knowledge of
the inner functions of your scripts. We can tell you what it should be doing
and what we need it to do, but we can not tell you how to actually change
your cart to become compliant, only the manufacturer of the cart has enough
working knowledge of your script or cart to do this.


You may contact 2Checkout using any of the following methods of communication:

1.) Create a support ticket under Tech Support or V2 Migration Issues

http://support.2co.com/deskpro/newticket.php

Any and all of our technicians will be able to view and
work on your ticket. This provides the over all best support because of this.
Your issue will not be sitting in some ones inbox while they are out of the
office going unanswered. All technicians can help you using this method.

2.) By Phone
Voice : (614) 921-2450
Toll-Free : (877) 294-0273 (US & Canada)
Toll-Free : 08718718283 (UK & Northern Ireland)

3.) Email, simply reply to this message


We thank you for your time and cooperation in this matter.
--
Best Regards,
Product Support Team
2CheckOut.com, Inc.

Web : http://www.2checkout.com
Web : http://www.2co.com
Voice : (614) 921-2450
Toll-Free : (877) 294-0273 (US & Canada) Toll-Free : 08718718283 (UK & Northern Ireland)
Fax: (614) 921-2451 or (866) 921-2451 (US & Canada) Knowledge Base: http://support.2co.com/deskpro/faq.php
Doc Central : http://www2.2checkout.com/documentation/




revrat
Starting Member

47 Posts

Posted - April 01 2005 :  11:04:34  Show Profile  Reply with Quote
Drop them while you can. They just cost me almost a grand in chargebacks and another $200 in fees because they did absolutley no verification before giving the OK to a series of international transactions. I find it odd that these companies can take 5% of sales to take over the processing than put the burdon on you when their verifications proof to be faulty. On top of that they have the nerve to charge a fee because they screwed up.

I realize this is how all of them work and I signed the agreement but it doesn't make it right. I have never in 4 years had a problem with PAYPAL. 2 Checkout has been a nightmare.

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apswater
VP-ASP Super User

317 Posts

Posted - April 01 2005 :  14:01:53  Show Profile  Visit apswater's Homepage  Reply with Quote
We are going throught the credit card learning curve as well. We had one this week for $7,000. We called the credit card company to be sure it was real and yet it was a stolen card that they didnt know abut until the card holder saw it on the bill. Luckily we got the product before the client picked it up and the police were waiting for him if he tries to pick up the product.

so here is what we found out that is important about credit cards.

1. You are liable if you dont ship to the bill to address.
2. You are not liable if you DO send to the ship to adress.
(but you will have to take the return if the card was fraud)
3. If you take a card in person, you are not liable.
4. If you take a card over the phone or internet then you liable for the charges. (unless you ship to the ship to address.)
5. anyone can claim they didn't place the order and unless you have verified ID you will have to take it back.
6. If a shipment gets lost, it is your shipment and they can charge back.

so with these simple rules in place we do the following.

1. All first time order must ship to the bill to address.
If the want it to ship to an alternate address they have to fax a copy of the card and drivers licence. Of course a

2. All international credit cards require a fax of the card and drivers licence and must ship to the bill to address.

3. all orders are checked agains the IP# to be sure it is atleast in the right state or country. I use this for verification http://www.arin.net/whois/index.html eventually I will have the cart do the lookup and print the info to the merchant mail but for now we do it manually.

Make sure you use the AVS= setting on you account. This will tell you if the adress matches or not. This IS the verification that someone said they dont do. They verify adresses and credit limits. After all they dont know a card is stollen until someone reports it, usually after charges are made. You might also want to make sure that you "Book the order" and when it ships then you mark it as a "sale". You get into trouble if you charge the card before you ship it. The "Book" feature reserves the amount of money for you until you ship the order.

Hope it helps...I wish I would have know this before we had a few problems.

btw, if you need a good processor try cambist.com there is a VP-ASP gateway for it, it is very cheap (Who pays 5%? you are getting ripped!) Cambist stores the CC info with the name and you can pull it up at anytime so you dont need a secure cart locally. You can also add charges, do partial refunds and all kinds of stuff. I think we pay 35.00 a month and 10 or 15 cents per transaction. We use card service international as the merchant account an pay 1.5% to 2.3% depending on that type of card it is.

Hope it helps

Edited by - apswater on April 01 2005 14:08:44
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sek
Starting Member

24 Posts

Posted - April 03 2005 :  09:20:25  Show Profile  Reply with Quote
there are new parameters require for 2checkout v2.

with the latest update gateway from vpasp team, still got a parameter error.

"Specifically:
Vendor passed in IDs but no products were found. IDs were 30
We could not identify products for the following ids you passed in:
30"

anyone experience this one?

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support
Administrator

4266 Posts

Posted - April 04 2005 :  21:44:07  Show Profile  Visit support's Homepage  Reply with Quote
Please see the following thread for information on updates to VPASP's 2Checkout gateway -

http://www.vpasp.com/virtprog/vpaspforum/topic.asp?TOPIC_ID=3619

Regards,
VPASP Support

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apswater
VP-ASP Super User

317 Posts

Posted - April 07 2005 :  21:23:51  Show Profile  Visit apswater's Homepage  Reply with Quote
I talked tohttp://www.cardserviceinternational.com/ today.

There is no such rule requiring collection of sales items so you might want to switch to a different merchant account.

I did find some interestying info that the folks here might not know.

Fees -

If you dont swipe a card somewhere you will most likely be charged at least 4% of the sale. These fees are mandated by Visa, Mastercard and the networks they use live novus etc. not from the company who has your merchant account.

ATM or check cards that you run as a credit card are at least 4%

All corporate cards are at least 4%

If the bill to address does not match at least 4%

All forign cards at least 4% (for us in America anyway).

If you send a batch to them and it is more then 24 hours old it is 4%

If you "book" a credit charge and dont convert it to a "ship" within 7 days if is 4%

In addition the network can force the fee to 4% like linksys or what ever they happen to be using.

If you swipe the card on the other hand it is 2.1% (at least mine is)

I didn't know this myself... so maybe others didn't know it either. I hope it helps others.

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natlus
Starting Member

Canada
12 Posts

Posted - April 21 2005 :  20:59:06  Show Profile  Reply with Quote
You also have to use a little common sense with credit card purchases.

If someone is ordering in excess of $1000 and it's an international card then a red flag should go up. Even if it's $500 make sure you verify the card details.

If someone is ordering something expensive that you usually can't sell then a red flag should go up.

If a product can be obtained for cheaper in the purchasers own country than by ordering from you, then a red flag should go up.

If there is a different shipping from billing address then always verify with the card issuing bank!

Don't rely on a 3rd party to verify credit card information. Do it yourself! It's simple, call the general international visa/mastercard hotline and enter the credit card # to obtain the bank's phone number. Call that bank up and verify the information.

Hope that helps!

I love vpasp!
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apswater
VP-ASP Super User

317 Posts

Posted - April 21 2005 :  23:54:40  Show Profile  Visit apswater's Homepage  Reply with Quote
Do you happen to have that phone number?

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alfabravo
VP-ASP New User

74 Posts

Posted - September 04 2009 :  06:24:53  Show Profile  Reply with Quote
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