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gasngrills

Member Since 23 Feb 2008
Offline Last Active Apr 21 2020 02:16 PM
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Posts I've Made

In Topic: Meet Cs-Cart & Multi-Vendor 4.10.3 With Billing Address, Apple Pay, Googl...

13 August 2019 - 08:28 PM

I also reverted back to the multi step checkout, no way to checkout as a guest. I only upgraded one store, I will hold off on the others as well as prolonging my upgrades. 


In Topic: Meet Cs-Cart & Multi-Vendor 4.10.1 With New Checkout And Product Variations

18 June 2019 - 08:09 PM

Dear friends, thank you for your feedback! 

I will take a break for now.

But I confirm that we have to bring billing address back in new Checkout.

Thank you very much.


In Topic: Meet Cs-Cart & Multi-Vendor 4.10.1 With New Checkout And Product Variations

18 June 2019 - 08:02 PM

What payment methods do you use? 

I'm asking about exact payment methods because most of the payment gateways already moved to 3D Secure or planning to do this.

I use Authorize.net


In Topic: Meet Cs-Cart & Multi-Vendor 4.10.1 With New Checkout And Product Variations

15 June 2019 - 04:03 PM

Hi, can you please write how do you do this validation of billing address? 

Please write a workflow on how it organised on you side.

 

From what I know, all CC payment processors try to move to 3DS Secure, and it's rare case when some payment requires billing address.

A customer add the product to cart and move on to checkout , register an account or checkout as a guest , enter the name, address, email, phone number and move on to shipping and payment method, enter the credit card info and submit order, if the address entered does not match the address that is associated with the credit card used on file with the credit card bank, the transaction will be declined because we use fraud protection with our credit card processor to have the street address and zip code match, sure we can remove this requirement and take orders with it but that defeats the purpose of the fraud protection suite that we pay for to make sure the orders we receive are legit and not fraud, if the address entered was correct , in the backend on the order detail page we see this in the response from the credit card processor . This is the way it is with most merchants that I have done business with in USA, you add one billing address and as many shipping addresses as you want, but a billing address that is tied to the credit card used must be there. If we take orders without the billing address, we will be a sitting duck for fraudulent transactions that we can not refute if we get a chargeback. I really don't see the logic behind your thinking and why you want to do this. This will not work for me as I have mentioned on 2 of my stores I sell digital products that don't need a shipping address but a billing address, I will not upgrade and stay where I'm or move on for another platform if this stays the way it is. I have been using CS-Cart since Version 1.35 , more than 10 years now and hate to go somewhere else


In Topic: Meet Cs-Cart & Multi-Vendor 4.10.1 With New Checkout And Product Variations

13 June 2019 - 05:02 PM

You're not creating, you're taking away.  Many CC processors in US require a billing address that is matched against Address Verification for fraud.  You will lose most of your US customers or freeze them at 4.9.3.SP1.  Comments can't be processed in an automated fashion.  Comments are a lame way to add billing info.  Just consider that in US, billing address is required for most purchases and must match up against the card being used.

 

As I explained, Amazon has multiple payment types to choose from (I.e. different cards tied to the same account).  They are a bit special in that they do their own payment processing rather than using a gateway or aggregator, hence they utilize different fraud detection than AVS (address verification services).  They also have multiple shipping addresses.  You can just as easily order something from Amazon and use a different credit card, then cancel the order.  Go back in and order another product and you'll see the multiple payment methods (note that their payment methods are different than cs-cart.  It would be like having multiple configurations of a single payment method in cs-cart.  I.e. multiple credit cards)

 

If you wanted a more elegant solution, reverse shipping/billing and have the checkbox for use shipping address as billing address.  That will solve 80% of orders.  But no one can afford to loose the orders because you made a change that's inappropriate outside of your locality.

 

Also note that many 3rd party addons reference the customer billing address info for data.  You will break many many addons since their error log will now be filled with Notice: undefined index b_address in their error log (1 for each field referenced).

 

If you're going to break compatibility like this it should have been deferred to 5.0 rather than the current 4.x base.  My addons are intended to run on any 4.x system.  But now, that will be impossible.

You could not said it any better, billing address in USA is a must, I sell digital products in one of my stores and I don't need a shipping address but I need a billing address for CC verification and I will not do it without, if this is not going to change I will not upgrade of move on to another solution