Best practice for credit card processing??

Hello,
Our application processes credit card transactions. For whatever reason recently double charges have been happening despite our clients stating they are not submitting the data twice. It kinda doesn't really matter what the cause is as we need a solid server side solution to never let double transactions occur. I have thought of a few methods but I'd very much appreciate someone else's opinion/experience on this. Whatcha think! Many thanks.
We are using coldfusion 8 with SQL Server 2008.
Patrick

My suggestion is to 1) pick a reliable gateway and 2) pick a gateway that allows for pre-settlement auditing.
Double posting is a fact of life when two applications interface to each other. You want a reliable gateway to minimize the occurrence. Because double postings can occasionally occur, I always recommend pre-settlement auditing to make sure application A balances with application B.
A gotcha in the payments industry is when you double post, you get dinged a discount rate and transaction fees -- something like 2.00% + $0.35 as an example. If the double post makes it through interchange, and you need to refund one of the transactions back to the customer, you don't get the original fees back and you will most likely be dinged additional transaction fees (the $0.35 in sample rate). Using my rate example, if your average ticket is $10, your average processing fee is $0.55 ($10 x 2% + $0.35) so a refund will cost you the $0.90 (the original fee that does not get refunded plus another $0.35 for the refund). Now if your average tick is $100, now your approaching $3 for each double posting. If you pre-audit and stop the double posts before interchange, it'll only cost you the single $0.35 fixed fee for the double auth.
Now some API's are better than others and some can stop double postings all together. I still recommend the pre-settlement auditing if notithing else, for volume trending and fraud prevention. Again, a reliable gateway should have a solid API that can prevent double-postings.

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Message was edited by: Carolyn Samit

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Best practice for credit card processing??

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