"Excalibur" <excalibur21 (AT) bigpond (DOT) com> wrote

It really depends on the card's issuing bank. Some banks hold
authorizations for up to 3 days. We have run into many issues where we
authorize an order and the customer calls 20 minutes later wanting to add
something to it. Our ordering process authorizes the entire order, not just
one line item. So, sometimes we have to let the order sit for 3-4 days until
they have enough available credit to re-authorize the order again.

Once you settle an authorization batch, you are asking for funds transfers
of all the card charges. You can not go back and delete anything. You can
issue a credit and recharge, though. Of course, different industries have
different rules regarding settlement amounts compare to authorized amounts.
The food industry can settle for more than the authorized amount, due to
tips/gratuity. The retail industry can settle for less or equal to the
authorization amount. Ask your merchant services rep about this for more
information.

You should find out from your merchant services rep if you can settle for
more than the authorized amount. I don't think you'll be able to, though.
What I normally have to do is pay for a certain number of units(lbs) when
ordering propane. I have a 325lb tank and they ask me what % the gauge
shows. The customer service rep calculates an approximate amount and charges
my card. If the delivery truck goes over, then the overage is put on my
account and the time ticks until it's paid. In other words I end up paying
15% for each month it's not paid. I've only had that happen once in the 10
years I've had "will call" delivery, but I'm sure going to pay for the
overage as soon as I see the bill. heh



Glen

On Apr 14, 2:53 pm, fred.tut... (AT) total-computing (DOT) com wrote:
Thanks, Fred. I'm working with Cache' on this one. I would guess it
wouldn't be a difficult port for you from UV if needed. I'm hoping to
have both google checkout and an authorize.net or other payment
gateway (one that would require merchant accounts, which might be
where your product fits in), trying to get the pricing on that as
close to the google pricing (2% + .20 after this year of free service)
as feasible. Additionally, I need to figure out what is required
(legally and cost-wise) to sell something by credit card on behalf of
another company or individual. There are other requirements too, so
this is just a start at the research. If you think your product might
fit the bill, let me know dwolt at tincat-group dot com.
Thanks. --dawn

Big snip
Ours can be a little more impressive. Some places have big tanks and flaky
credit reputations we can get 120,000 litres in a triple truck trailer
combo. Or better still they have mobile tanks that follow the jobs around
with the ultimate being cruise yachts and fishing boats. One erstwhile
client had a string of spotters up the Australian coast. If anyone wonders
how much can go on a credit card that last chap used to fly to Taiwan, order
a container load of Wood heaters, fill the gaps up with computers and then
pay American Express including shipping.

Thanks for the tips
Peter McMurray

Ron White wrote:

Ron, thanks for your referral. I decided to temporarily withdraw
NebulaPay for a few reasons but it should return sometime this year or
early next, depending on demand.

NebulaPay was originally tied to MercuryPay who is tied to Global.
The people and service at MP are great but my biggest problem was when
prospects approached me for new software to work with existing non-MP
provider relationships. We now have access to many more payment
providers via a common interface, which makes it Much easier to
support the code and add new features and relationships.

MP really only did USA, and Canada with some difficulty.
Surprisingly, most inquiries for NebulaPay were coming from outside
the USA. The NebulaPay update will support merchants, consumers, and
processors in many countries around the world, though of course the
services provided vary according to a matrix dependent on the
companies and locations.

NebulaPay did and will rely on a Windows server being somewhere on the
LAN. For a DBMS based over Windows everything can be on the same box.
If you absolutely need a single-server solution, contact Fred Tuttle.

Just to set the record straight about how NebulaPay is positioned:
TotaLink is the defacto standard for our market. It's excellent
software, well supported, and I have sincere respect for Fred and his
company. My personal knowledge of the payment processing industry is
quite limited compared to that at Total Computing Solutions because
Nebula R&D doesn't specialize in this business. I have no intention
to compete directly with TCS but to provide an alternative for those
who feel they need one for whatever reason. NebulaPay is a sort of
"lite" version of what is offered in TotaLink. It will grow as demand
increases but it's intended to be more of a secure and efficient data
conduit than an application module. If you contact me about
NebulaPay, be prepared for questions about why you aren't using
TotaLink, and some encouragement for you to work with Fred if you can.
If we get beyond that, Nebula R&D is prepared to work with you to
provide custom user and application interfaces, and whatever else you
need.

I should also mention here that I wrote a check scanner interface for
one of our colleagues here in CDP. Front/back images are scanned and
MICR data is logged into the application. Images can be recalled,
zoomed, rotated, and moved anywhere on the screen. Multiple documents
can be read in a single run. Data can be printed to the back of
checks during scanning, to link the hard documents to the database.
This can be used in conjunction with credit/debit payment processing
at a POS, and/or in companies like utilities, collections, or any
agency that handles regular monthly payments.

TG@ removethisNebula-RnD.com