Hi Mike,

As an easy-to-implement alternative solution, you might consider eSec's
payment gateway - http://www.esecpayments.com.au/

** I do not have any affiliation with eSec (it is my intention of becoming a
customer.) eSec offer a gateway, but it's not the *only* gateway, I am a
developer, but not the only developer... etc ;-)

i. Seems suitable for your situation
  Works in a shared hosting environment and with merchant agreements from:
  Commbank or Westpac (Bankcard, MasterCard, VISA)
  AMEX
  Diners Club

ii. Simple price structure
  No set-up nor recurring management fees, you only pay for transaction
blocks -
  2500 transactions for AUD640.00  (0.26 ea)
  6000 transactions for AUD1100.00  (0.17 ea)

ii. Real-time, full control of experience, and transparent to user
  User fills in form on your website and submits;
  CF transmits payment details to payment gateway;
  CF parses payment gateway response
  Perform action based on response

iv. Easy to integrate
Perform appropriate variable & credit card validity checks, then
<cfhttp
url="https://sec.aba.net.au/cgi-bin/service/authint";
port="443"
method="Post"
useragent="GenesisAEO [1.1] [http://www.hi-po.com/]";
timeout="45">
<!--- Test Facility --->
<cfhttpparam type="FORMFIELD" name="EPS_TEST" value="#attributes.Test#">
<!--- eSec Payments Gateway Information --->
<cfhttpparam type="FORMFIELD" name="EPS_MERCHANT"
value="#attributes.Merchant#">
<cfhttpparam type="FORMFIELD" name="EPS_VERSION"
value="#attributes.Version#">
<!--- Customer Identification --->
<cfhttpparam type="FORMFIELD" name="EPS_CARDTYPE"
value="#attributes.CardType#">
<cfhttpparam type="FORMFIELD" name="EPS_CARDNUMBER"
value="#attributes.CardNumber#">
<cfhttpparam type="FORMFIELD" name="EPS_EXPIRYMONTH"
value="#attributes.CardExpiryMonth#">
<cfhttpparam type="FORMFIELD" name="EPS_EXPIRYYEAR"
value="#attributes.CardExpiryYear#">
<cfhttpparam type="FORMFIELD" name="EPS_CCV"
value="#attributes.CardCheckValue#">
<cfhttpparam type="FORMFIELD" name="EPS_NAMEONCARD"
value="#attributes.CardName#">
<cfhttpparam type="FORMFIELD" name="EPS_AMOUNT" value="#attributes.Amount#">
<cfhttpparam type="FORMFIELD" name="EPS_REFERENCEID"
value="#attributes.RefID#">
</cfhttp>

v. Rapid implementation
  All the hard stuff is done (getting the merchant agreement from the bank).
You could be up and running in a couple of days.


If you are interested and want to see it working (and it's workings) on a
website, let me know and you can walk through my code.

Cheers,

Ben

p.s. I know it sounds like a sell, but the intention is only to suggest an
alternative, easy-to-implement solution.




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