计费系统经验

发布于 2024-08-07 19:51:03 字数 245 浏览 4 评论 0原文

获得有关可让您向客户计费的各种 API 和服务的反馈将非常有用,因此可以比较:

  • 安全性;
  • API的质量;
  • 商业可靠性;
  • 可以使用它的语言数量;
  • 它们的一般用法;
  • 易于设置;
  • 经济价格;
  • 技术价格。

我当然想到了 PayPal、Google Checkout,但也想到了基于银行信用卡的系统。

It would be very useful to have feedback on the various API and services that let you bill the customers, so it's possible to compare :

  • Security;
  • Quality of API;
  • Commercial reliability;
  • Number of languages that can use it;
  • General usage of them;
  • Ease of set up;
  • Economic price;
  • Technical price.

I thinking here of course of PayPal, Google Checkout but bank credit card based systems as well.

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青衫儰鉨ミ守葔 2024-08-14 19:51:03
  • Braintree(以及在某种程度上,其他较小的支付网关)
    • 优点
      • 您可以完全控制结算系统
      • 您可以进行更复杂的付款设置
      • 广泛支持多种编程语言; ActiveMerchant 支持
      • 您所见过的一些最好的电子商务支持
    • 缺点
      • 您可能需要处理 PCI DSS 安全合规性问题
      • 可能需要做很多额外的工作(这可能仍然是值得的)
  • Google Checkout
    • 交易费用:2.9% + 0.30 美元
    • 优点
      • 交易处理费用极低
      • 如果您已经在使用 Google 投放广告,那就太好了
      • Google 负责处理结算中涉及的许多混乱事务,例如退款
      • 现在支持订阅(不过仍处于测试阶段)
    • 缺点
      • Google 的 API 与其他系统有很大不同,您通常必须使用专为 Checkout 设计的库(例如,不支持 ActiveMerchant)
    • 交易费用:2.9% + 0.30 美元
    • 优点
      • 广泛理解的 API;有大量的东西可以用来处理它
      • 基本上得到了一切的支持
    • 缺点
      • 由于糟糕的体验,很多人都强烈表示不想通过 PayPal 开展业务
    • 中性
      • 往往受到没有信用卡的年轻人和 eBay 用户的欢迎
  • Amazon FPS
    • 交易费用:2.9% + 0.30 美元,银行账户和余额转账费用较低
    • 优点
      • 可能是微交易的最佳选择
      • 实体商品付款的不错选择
    • 缺点
      • 我对系统了解不够,无法确定
  • Braintree (and to some extent, other lesser payment gateways)
    • Pros
      • You're in complete control of the billing system
      • You can do more complex payment setups
      • Widely supported for multiple programming languages; ActiveMerchant support
      • Some of the best support you'll ever see for e-commerce
    • Cons
      • You probably have to deal with PCI DSS security compliance
      • Potentially a lot of extra work (which may very well still be worth it)
  • Google Checkout
    • Transaction Fee: 2.9% + $0.30
    • Pros
      • Very low transaction processing fees
      • Fantastic if you're already using Google for advertising
      • Google handles a lot of the messy stuff involved in billing, like chargebacks
      • There's now support for subscriptions (in beta though)
    • Cons
      • Google's API is different enough from other systems that you usually have to use a library specifically designed for Checkout (e.g., no ActiveMerchant support)
  • Paypal
    • Transaction Fee: 2.9% + $0.30
    • Pros
      • Widely understood API; tons of stuff available for dealing with it
      • Essentially supported by everything
    • Cons
      • Lots of people are very vocal about not wanting to do business through PayPal due to bad experiences
    • Neutral
      • Tends to be popular with the young adult demographic who don't have credit cards and with eBay users
  • Amazon FPS
    • Transaction Fee: 2.9% + $0.30, lower for bank accounts and balance transfers
    • Pros
      • Probably your best bet for micro-transactions
      • A good choice for payments for physical goods
    • Cons
      • I don't know enough about the system to say for sure
情话墙 2024-08-14 19:51:03

如果您想在线接受信用卡/借记卡付款,您将需要两件事:

  • 一个互联网商家帐户(可以接受此类付款的企业银行帐户;通常有相当多的业务合规性、风险和反欺诈附加,但如果您是一家拥有现有企业帐户的严肃企业,请与您的银行联系)
  • 支付服务提供商(为您提供 API 或托管结账解决方案等,并充当中间人 ) (对于您的网站和 IMA,它们通常只提供非常有限的选项)

当然,替代支付服务的趋势正在快速增长; PayPal、Envoy、MoneyBookers、Neteller、uKash 等。这些绝对值得探索,因为它们往往提供一定程度的无风险/有保证的付款,并且它们极大地扩大了您可以接触到的客户数量 - 从以下角度思考年龄不足以持有银行卡的人,或者由于债务问题等原因而无法获得银行卡的人。

也许最简单的组合是找到一家可以处理所有事情的支付服务提供商 - 为您设置 IMA(或者更确切地说,通过银行承保您的风险,这样他们会更乐意为您提供),提供支付处理服务,也许上面有一些欺诈保护和风险管理、退款管理,然后处理所有可能的支付方式,包括 3D Secure(由 Visa/Mastercard SecureCode 验证)之类的东西,集成起来确实令人头疼。

如果您打算进入处理在线支付的业务,即使这只是偶尔发生的事情,那么您也需要认真研究一下您需要什么,不需要什么,以及你愿意支付的费用,因为支付服务提供商显然会对这些东西收费,而且这将是一个严肃的商业合作伙伴关系。

这一次,维基百科似乎有一个令人震惊的轻量级列表,所以你可能需要谷歌“支付服务提供商”。

If you want to accept credit/debit card payments online, you're going to need two things:

  • an Internet Merchant Account (a business bank account which can accept such payments; there's usually quite a bit of business compliance, risk and anti-fraud attached, but if you're a serious business with an existing business account, talk to your bank)
  • a Payment Services Provider (who provide you with, for example, an API or a hosted checkout solution, and who act as the go-between for your web site and your IMA, which will typically only provide very limited options)

There is, of course, a fast growing trend of alternative payment services; PayPal, Envoy, MoneyBookers, Neteller, uKash, etc. Those are definitely worth exploring, because they tend to provide a certain degree of risk-free/guaranteed payment, and they dramatically widen the numbers of customers you can reach - think in terms of people who aren't old enough to have cards, or who aren't able to get them due to debt problems or the like.

Perhaps the easiest combination is to find a Payment Services Provider who can handle the whole lot - set you up with an IMA (or rather, underwrite your risk with a bank so they'll be happier to give you one), provide payment processing services, maybe a bit of fraud protection and risk management on top, chargeback management, and then handle all those possible payment methods, including things like 3D Secure (Verified by Visa/Mastercard SecureCode) which can be a real headache to integrate with.

If you're going to be getting into the business of handling online payments, even if it's just an occasional thing, then you'll need to knuckle down and do a bit of serious research into what you need, what you don't need, and what you're willing to pay, 'cause payment service providers obviously charge for this stuff, and it'll be a serious business partnership.

For once, Wikipedia seems to have an appallingly lightweight list, so you may want to Google "payment services provider".

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