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Ask 37signals: How do you process credit cards? - (37signals)

  • Today’s moving parts



    Ok, so how do we do all this? First off, we have a merchant account. A merchant account is needed to accept credit cards. Every business that accepts credit cards needs to have a merchant account. We’ve used a few companies in the past, but currently we’re using an account provided by Chase bank. You should basically look for a reputable company you can trust that has good rates. The rates may not make all that much difference early on, but once your daily volume picks up a few basis points can make a big difference on your bottom line. But at first I’d pick trust over rates. You can always negotiate for better rates down the road.

  • Next we have an account with Authorize.net. Authorize.net is the gateway that our systems talk to. They take the credit card charge information from us, process the charge, and then deposit the money into our merchant account. If the charge doesn’t go through they send us a denial code which we then wordsmith and present to our customer.




    The engine to process the recurring monthly charges is something we built custom. If you use Rails, Active Merchant would give you a good place to start. We don’t use Active Merchant because we built our stuff before AM was released, but it’s definitely a nice library.

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06 Mar 08

Linux Process Scheduler Improvements

  • Linux 2.6.0 has made significant improvements in the processor scheduler
    in the 2.6.0 release. Not only are processes scheduled more efficiently,
    but the scheduler has been redesigned to be more scalable when the
    number of processes in a machine are increased. In 2.4, the
    scaling is not as prominent.
  • The hackbench test is a benchmark for measuring the performance, overhead, and
    scalability of the Linux scheduler. Created by Rusty Russell, it uses client
    and server processes grouped to send and receive data in order to simulate
    the connections established for a chat room. Each client sends a message to
    each server in the group.
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