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I have a development taking place that I would ultimately like to deliver as an SaaS website. I currently have no experience in this sort of platform and I am looking for guidance on a few things, namely:
What providers should I be looking at?
Should I utilize an API or hand-ball the customer to the service provider?
Monthly subscriptions..
..honestly, where do I begin?
I know that PayPal provide all sorts of payment options and I have experience using the IPN for one-off payments, but I'm wondering if there's a better alternative.
..is it too much to hope for a provider that handles basically everything and only notifies me when someone doesn't pay/get's declined in the same way the PayPal IPN notifies of payments?
Any help is appreciated.
Another alternative would be Braintree, a company that supports "Non-US users". We are now available to merchants of all sizes located in Europe and Canada and you can accept payments in 130 countries worldwide. We provide everything you need to accept online or mobile payments, including a payment gateway, merchant account, and recurring billing. Disclosure: I work at Braintree
The Ruby gem ActiveMerchant supports many payment gateways. If nothing else, it can serve as at least a list of options to check out. http://activemerchant.org/ specifically the names of these files, https://github.com/Shopify/active_merchant/tree/master/lib/active_merchant/billing/gateways
Keep in mind that YOU DO NOT WANT TO STORE CREDIT CARD INFO Once you do, then you have a world of hurt with financial compliance certifications. Many payment gateways will give you a "token" you can charge.
Basically, the flow works like:
Customer gives CC info over SSL (usually HTTPS )
You forward that info to your gateway, never storing it on a disk
They give you a "token" to charge that card, you store the token.
Stripe and Braintree have already been suggested. Other options might be Square and Authorize.net
In my experience payment gateways normally don't do the recurring billing. Basically, you have to write code to submit charges. This leads to questions like, "How long is a month?"
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In my web application (spring mvc + jsp), I have to implement payment process which I will take the money of someone (i.e buyer), deposit to someone else (i.e seller), and keep a portion for myself (i.e commission). I would like the process will perform on my website instead of redirecting to paypal. I have tried to search for the service that I need, but after a while of reading it, I am very confused. I am thinking I may need some mix between Adaptive Payment or Website Payment Pro. However, I think that Paypal would also provide a service that I am searching for, but I haven't found yet. So would anyone mind to help me out of this confusion please?
In order to do the payment split as part of checkout you would need to use Adaptive Payments, specifically the Pay API with a chained payment. Unfortunately, you can't avoid redirecting the user to PayPal with this method.
If that's a must, then you'll need to go with Payments Pro, but then you can't do the split within a single checkout, and you can't split the fees up among the receivers. So you'll end up paying a fee when you receive the money, and then when you send the money there will be another fee there, too. Also, if you go that route you would be responsible for any chargebacks that occur, so this is simply not recommended.
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Is there any alternative for using PayPal Mass Payments that is both worldwide and automated?
I am to create a periodic payouts functionality on a set day of the month for an online marketplace. It should be as automated as possible, preferably only requiring admin action if the payout can not be completed for some reason.
The code worked fine in the sandbox, but when we tried to test it with live credentials we got the following error though:
:Errors => {
:ShortMessage => "User is blocked",
:LongMessage => "We're sorry, but your PayPal account isn't currently eligible to send mass payments. Please contact either PayPal Customer Service or your account manager.",
:ErrorCode=>"10329",
:SeverityCode=>"Error"
}
When the client got in touch with PayPal he was told they do not enable Mass Payments for new accounts any more and the feature is in maintenance mode only, which leaves us in quite a pinch.
I took a look at Adaptive Payments, but from what I gathered from the docs it looks like it would require interaction from the person issuing the payment, which in this case would be us - we would have to have an admin click through the PayPal confirmation page on each payout day. It'd be manageable for a beta period, but not when we go out in the public.
Is there anything else on the market that fills the same niche as PayPal Mass Payments? Or maybe I am wrong and Adaptive Payments does have a hands-free mode I missed in the docs?
Or do we have to contend with manually going through PayPal confirmation process with Adaptive Payments?
Any pointers would be appreciated.
I'm using Ruby and Rails, but non-language-based answer or an answer with a sample in any programming language will suffice, I can work out the Ruby code myself given some pointers.
There's a new way to get Payouts and Mass Payments turned on, on your account. There's also a new REST based Payouts API, which is related to Mass Payments.
https://developer.paypal.com/docs/integration/direct/payouts-overview/
Head over to My account to get started with your Payouts application.
Full disclosure: I work at TransferWise.
Have you considered TransferWise's payouts solution? We offer an API that let's you fully automate payouts globally (50 currencies available and growing).
We're offering a similar solution, but we pay out straight to the payee's local bank.
We're also a whole lot cheaper than Paypal for international payments. Price comparison research we did here: https://transferwise.com/us/blog/transferwise-vs-paypal-savings
Marketing page here
http://transferwise.com/payouts
Api documentation here
https://api-docs.transferwise.com/
I'd recommend looking at Stripe, Braintree and Worldpay.
Stripe would be my preference.
You'll have to take users card details, store the token provided by Stripe, then write a module that allows you to take the payments in one go.
Take a look at VerifyValid. They do mass payouts.
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I am building a website where people join and create an account to sell music to visitors and receive money through Paypal. The steps would be.
Persons buy music and send money to members Paypal account, then a response from Paypal should be sent to website, to verify payment and then insert results into database and send link to buyer to download music.
I basically have everything else, but not sure which Paypal service to use in order to achieve the above results. I was looking at IPN but that involves the member(seller) setting a response URL in their Paypal account in order for the response to be send to the website.
Any help in this regard would be greatly appreciated.
You can use Website Payments Standard, Website Payments Pro, or Express Checkout to do this. You are also correct about the variable "notify_url", this will allow you to pass over the IPN URL in the button code so that it does not need to be set in the PayPal account.
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i have to choose between several payment gateways. I heard that PayPal is quite a mess and there were several fraud-issues? Does some of you have experiences with PayPal?
Thanks in advance
I've used paypal for long time and had problems. Remember that Buyer is almost always right if you chose to work with them. Also you may get your account locked if you have unexpected amount of trx in a day. But yet, that is what most of the users use nowadays. I can only suggest you to call them and talk with them about what you are developing and what kind of sales volume are you expecting. You can reduce the risk to the minimum this way. Good luck
I have.
PayPal is, in my opinion, one of the best gateways around the world, if not the best.
Let me answer straight to your points:
"Quite a mess": actually not. PayPal's APIs are widely documented and PayPal offers you a sandbox mode to test your software with fake accounts and fake money to see if your software works or not (you might find, for example, your ecommerce application tries to deliver an order the customer didn't pay for after canceling the order, etc). I don't think this stands for quite a mess since you can perform deep software testing
Fraud issues. Let me tell you that Internet frauds occur often, and it's difficult (while not impossible) to protect from them. PayPal does a lot to protect both customers and sellers from frauds. Customers are mainly protected on eBay from fraudulent sellers, but sellers are protected from chargebacks too. If a fraudulent customer buys goods from your website, the chargeback protection applies. In all cases, PayPal might freeze part of your money during investigations.
By the way, PayPal as payment gateway enables your website to accept all credit cards, so you don't need to sign with another gateway.
Unfortunately,
PayPal is expensive IMHO. A little too expensive...
Tronic,
Pay pal is a Secure Transaction payment gateway used globally. Transaction is secured by VeriSign Identity Protection. It means your information is secure when you are going for the transaction. Paypal is easy to use and integration with programming language is very easy. Paypal provide a sendbox account for test your code once developed. Make sure you have to follow the terms and conditions for transaction with paypal e.g. transfer limit etc. For detailed information of integration, payment methods and creating sand box account visit to PayPal Developer
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What are the options to accept a credit card payment from an iPhone application? This will be a stand alone application, not an iPhone specific web site. Can I integrate with a payment gateway like Authorize.net? What about paypal or Google checkout? I know on some web sites, it will take you to a paypal site for the payment authorization - can this be done over http requests, instead of forcing the user to another website (which won't be available from the app)? Are there any security concerns with these payments from an iPhone as you can't install an SSL certificate?
I don't want to use the Apple micro-payments that will be available in the 3.0 release as there will be many small charges, and I don't want to give 30% to Apple each time.
Is this even possible, or will I need customers to create an account on my web site beforehand, pay with their credit card, and then have the iPhone interact with my database to get their available balance (the amount they charged through the web)?
I think that 30% is well payed...
No need to think about credit card fraud
No need to think about secure certificates
No need to think about server problems like downtimes
No need to thing about creating a nice UI and description of How to use
No credit card needed to buy as the user just need to fill up the iTunes password, so they can buy anywhere, everywhere
No need to spend a lot of time debugging and testing, the SDK is great and works like a charm if you just follow the documentation
And you can always add 5 dollars more to cover the 30% on what are you trying to sell.
Remember that if you have a lower price, you will have much more buyers and you can have much more profit that a few buyers with a higher price.
It's really quite easy to charge money with PayPal. It just depends on what kind of feedback you want from PayPal. See PayPal's Developer site for more info.
EDIT: I really should explain what I mean by "feedback".
When a user is sent to the PayPal site to pay, you can send him there using a fairly simple web-form (yes, a plain <form>...</form>.) If you only have 1 product, then this form can even be static HTML.
The tricky part comes after the user pays.
Option 1: Check you PayPal account manually for the payment. If the user paid, then you e-mail him, and send whatever you wanted to sell him. Easiest method, least amount of code. The downsides are that you'll have to do a lot of manual checking, and basically this is just a drain on your attention.
Option 2: Get automatic confirmation from PayPal in your application. Either by getting post-backs sent to an HTTP server by PayPal, or by actively querying the PayPal server for confirmation after waiting enough time for the transaction to have gone through. This means the user gets immediate feedback once the transaction is complete. You could even automatically send him the product! The downside is that such a solution is a lot more code.
Oh, and every time I said "PayPal"? All the services I just mentioned are provided by every credit-card authorization gateway I've ever seen.