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Credit card payment gateway in PHP?
I am looking for a solid credit card solution and we are not interested in PayPal. I am currently unsure about the volume of transactions. Someone suggested merchantone but after looking at some reviews i have my apprehensions. Idealling something around a ~2% transaction charge, with some monthly fees.
What do you guys suggest, we need a flexible API which we can utilize easily with PHP. Any recommendations will be helpful.
The Authorize.Net payment gateway API is by far the easiest to use. They provide sample code and there are good classes and tutorials out there, too.
To use Authorize.Net you would need a separate merchant account. There are lots of providers out there and their rates and fees will vary. But all of them work with Authorize.Net. Your merchant account provider can set you up with them or you can choose from any of their resellers to get an account.
I've done custom integrations with PayPal's PayFlow pro, Firstdata (used to be LinkPoint), and authorize.net... and would have to say authorize.net was by far the best to work with. Their API is heaps less complicated than FirstData's (in my opinion), and they generally have better support.