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home > merchant account > How it work

How it work

Using Authorizenet gateway for accept credit card payment online can be as simple as typing a mailing address.

There are three ways you can setup, depending on your needs, web site features and programing skill.

(1)    Virtual Terminal (manually input, no programing at all)

(2)    Weblink (Instant transaction, simple HTML coding, no SSL needed, customer is redirected to Authorizenet website to complete the transaction)

(3)    Direct Connection Response (instant transaction, fully integrated with your web site, require SSL and sophisticated programing skills)

Virtual Terminal - allows you to manually process mail / telephone credit card transactions, as well as issue credits, just like a real physical terminal, but with the added flexibility of letting you access it from any Internet connection in the world. Just simply login to Authorize.net with a login ID and password you can:

  • manually enter credit card transactions for mail or phone order sales.
  • refund money to a customer's credit card.
  • automatically bill customers for recurring charges.
  • check the status of transactions, and run a variety of reports.
  • capture previously authorized transaction.
  • Virtual Terminal is hosted at Authorize.Net servers, The data and information transfer base 128-bit SSL (Secure Socket Layer) technology. After logging on to the system, The complete range of Authorize.Net services are available to you.

    WebLink - allows you to link your web site to the Authorize.net system in order to accept credit card payments from customers in real-time with complete automation. It works with over 100 different shopping carts and is the most widely used program out there today.

    At its most basic level, interaction between a web page and the system takes the following step:

    1. A customer navigates through your web site, selecting what they would like to purchase.
    The customer fills out their information using a simple form or through a Shopping Cart program that has set up to post the information to the Authorize.Net system.
    2. The customer is then presented with a secure Payment Form. This form resides on a secure server and the transaction is processed using 128-bit SSL (Secure Socket Layer) technology. This secure payment form is provided for you as part of the Authorize.Net system so there is no need for you to purchase a SSL certificate. The credit card information is then sent over this secure network to the bank for authorization.
    3. When the authorization process is complete -- this takes around 2 seconds, a Receipt Page is shown to the customer, which the customer can print out or save for their records. In addition a receipt is emailed to the customer as well as to the merchant.

    Below is an example of the basic code that must be implemented to link to WebLink:

    <form action="https://secure.authorize.net/gateway/transact.dll">
    <input type="hidden" name="x_login" value="myLoginID">
    <input type="hidden" name="x_version" value="3.0">
    <input type="hidden" name="x_show_form" value="payment_form">
    <input type="hidden" name="x_amount" value="1.00">
    <input type="submit" value="Click Here to Continue">
    </form>

    Details of using WebLink can be found in the Integration Guide.


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