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				E-commerce is the ability for your web site to sell goods or services online. There are two main ways to implement e-commerce: Securely take credit card, contact and ship to details within your own web site Shell out to a site that specialises in e-commerce (from a "buy now" or "shopping cart" link) so that the transaction is consumated externally to your web site. Depending on your budget and needs either may be a suitable solution. The implications for each method are:
		e-commerce internal (within) your web site		Securely take credit card, contact and ship to details WITHIN your own web site: Requires you obtain an Internet Merchant Facility to accept & process VISA, MasterCard & Bankcard online: NAB: 1300 767 548 - www.nab.com.au St George: 02 9952 0989 - www.stgeorge.com.au ANZ: 1300 366 988 (option 2) - www.anz.com.au CBA: 1800 730 554 (option 1) - www.cba.com.au Westpac: 1800 029 749 (option 2) - www.westpac.com.au If you want to accept AMEX and Diners you will need seperate accounts with each organisation. Diners Club: 1300 360 500 - www.dinersclub.com.au AMEX: 1300 36 36 14 (option 4) - www.americanexpress.com.au Requires you obtain a Secure Sockets Layer certificate from a company that issues such certificates - the most well known of these is Verisign Optionally involve an Internet Payments Gateway (e.g. E-Way) provider to ease the flow of payments between your site and the Bank(s). The costs involved for this option (in 2006) are : about 3% per transaction to the Bank about $800 per year to Verisign about $1000 per year to the Internet Payments Gateway provider
		e-commerce external to your web site		Securely take credit card, contact and ship to details EXTERNAL to your own web site: Requires no Internet Merchant Facility to accept & process VISA, MasterCard & Bankcard online as this is dealt with by the external agency Requires no Secure Sockets Layer certificate as this is provided by the external site Does require you set up an account with the external payments site Does require you pay from 1.5% to 2.5% plus 30 cents a transaction to the external payments site The costs involved for this option (in 2006) are : 1.5% to 2.5% plus 30 cents a transaction
		The bottom line		The method that will be right for you will vary based on the number of sales you make: More than 200 sales a month suggests you should implement e-commerce within your site Less than 200 sales a month suggests you should implement e-commerce external to your site You can always migrate from one method to the other method
		Example		Net Age has provided an example of e-commerce Beware of web designers that claim they can implement e-commerce yet can not provide a working reference client-site. Sample of working e-commerce using an external transaction service (PayPal)
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