Document Type



Although a variety of payment mechanisms have been developed over the years for online businesses, 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 real-time credit card processing models. We also discuss several factors such as cost, complexity and security issues related to implementing such a system.