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Article type: Research Article
Authors: Rob, Mohammad A.a; * | Opara, Emmanuel U.b
Affiliations: [a] School of Business and Public Administration, University of Houston-Clear Lake, Houston, TX 77058, USA | [b] College of Business, Prairie View A&M University, Prairie View, TX 77446, USA
Correspondence: [*] Corresponding author. Tel.: +1 281 283 3191; Fax: +1 281 283 3951; E-mail: rob@cl.uh.edu.
Abstract: Electronic commerce is continuing as a thriving business for those companies that streamlined their online business processes; however, making payments over the Internet is still fearsome to customers. Although a variety of payment mechanisms have been developed, payment by credit cards remain the leading mechanism for online payments. For real-time online credit card processing, a merchant needs to install a third-party proprietary software in the merchant e-commerce server. However, many issues need to be resolved before integrating a third-party payment solution to a merchant e-commerce system. In this paper, we attempt to address the current state of the online credit card processing system, especially we discuss the available models of online real-time credit card processing systems. We also discuss several factors such as cost, complexity and security issues related to implementing such a system. The results can be extremely valuable to small businesses that are venturing into Internet commerce.
Keywords: Electronic payment, online payment, credit card processing
DOI: 10.3233/HSM-2003-22305
Journal: Human Systems Management, vol. 22, no. 3, pp. 133-142, 2003
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