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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.
Related
Question please regarding credit card payments.
I have a Windows application (WPF) that is displayed on the Internet (type in my website address, the app is displayed). Due to limitations of third-party software I use to display the application on the Internet, I cannot display a browser (at least not WebView2) with my application.
In order to accept credit card payments, I need another method. I have spent numerous hours (too many) becoming knowledgeable about payment aggregators, payment processors, etc. and looking at very many of them.
Is there a vendor of some sort that would allow me to take credit card information from within my application, send the information via an SDK/REST and complete the purchase? For verification, they could (for instance) send a code to the purchaser's phone that they would type into my app and I would forward that to the payment aggregator to verify the purchase.
I'm open to all suggestions with this.
As I see it, my options are
us something else than WebView2. I am unaware what that something else would be and I am hesitant to pursue it due to the 100+ hours trying to get it to work with WebView2 and PayPal.
locate a vendor that allows me to take credit card information from within my and pass them the information. Or, the vendor has an SDK for Windows applications that could use which would handle the UI and REST calls.
Thank you in advance. I'm pretty spent looking at all this. Since WebView2 won't work for me, I's just as soon make calls in code to a payment aggregator/processor without having to mess with a browser. Again, I am open to any suggestions.
Thank you in advance for your help and time.
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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.
We are producing a website catered specifically to mobile devices and we need to accept donations. We would like to make this process as quick, easy, and convenient for mobile devices as possible. We are open to using any payment gateway (i.e. Paypal, Authorize.net, NMI, etc.).
My employer feels that having someone enter billing information from their mobile device is too inconvenient, but limiting ourselves to only donations from, for example, Paypal members would be unwise. We are trying to find a way to maximize viewers who can donate (as close to everybody as we can get), but also make the experience simpler than having to enter their billing information into a mobile device.
I have considered apps that store prerecorded billing information and Bump Pay. Are there any other effective middle grounds or solutions for this?
I would think a simple middle ground is to use a credit card platform and not ask for billing information. Many mobile apps do not ask for it. Authorize.net and other gateways can be configured to not require it. Simply ask for zip code. Or ask for no address info at all. Since you are not shipping an actual product (coming out of pocket for goods), if there is a fraud chargeback it's not really that big a deal. And I can't imagine a lot of credit card thieves are going to burn stolen credit cards to make charitable donations.
Tanoro - Not sure what you are asking is possible. If you want to accept the widest range of payment methods, you need to have a lowest denominator solution. In this case, that means accepting cards directly (by allowing billing information directly). If you do end up accepting payment info directly, check out Braintree and their iOS client library: https://www.braintreepayments.com/docs/ios
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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
I'm trying to integrate a payment mechanism to my site. The scenario that I need is not trivial and can be explained by the following example:
User pays upfront for a subscription program (i.e. receiving Netflix). User is able to make changes to the subscription (i.e. change number of movies checked out each time from 4 to 2)
User is able to buy additional one time purchases via the provider's site (Netflix) supplied by 3rd parties. These items (i.e. popcorn, snacks) get billed to the same credit card as the subscription without having to go through the process of resubmitting the credit card information.
Of course, my site takes also a small fee for the transactions :-)
I was wondering if this is supported by PayPal, Google Checkout or someone else.
Thanks.
The Paypal api can handle all of those processes.
I seem to have dropped the ball on what kind of answer you wanted so I'll leave it at that.
If you have some feedback, more direct questions I will try to answer as much as I can
--
The money would best go through you first, unless somehow you can convince your customers its normal to bill them per item. Also if they pay by credit card you should only bill them once as you would incur fees on every payment. I don't know of anyway to bill once but distribute the payments.
As for the paypal docs..
Very good resource, there is also some sample code for most major web languages
Also this will get you started if you don't have a developer login
Their developer support is also pretty good. One thing a lot of people seem to screw up when starting out with the paypal api is not setting the latest version in the configs so don't forget to update that to the latest release. :)
Disclaimer..
Yea I know there is a lot of bad press about paypal and crazy stuff happening, but they do get the job done most of the time, its not my fault the customers love to use it.