计费系统经验
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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如果您想在线接受信用卡/借记卡付款,您将需要两件事:
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:
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".