国际化支付网关实施的最佳方法
我希望将支付网关集成到 Ruby on Rails 应用程序中。尽管我之前已经实施过一项，但我正在努力了解如何实施一项能够满足不同国家/地区的需求。
例如，如果它只是一个基于英国的应用程序，我可以使用英国供应商（例如 CardStream），如果它只是一个美国应用程序，我可以使用美国供应商（例如 BrainTree），但我似乎找不到供应商适合多个国家/地区。
我担心我必须在同一个应用程序中同时运行英国网关和美国网关。当然事实并非如此，我完全错过了一些东西？
提前致谢。
I'm looking to integrate a payment gateway into a Ruby on Rails applicaton. Although i have already implemented one before im struggling to see how i can implement one which will cater for different countries.
For example, if it was only a UK based app i could use a UK vendor (e.g CardStream), if it was only a US app i could use a US vendor (e.g. BrainTree), but i can't seem to find a vendor that caters for multiple countries.
I'm concerned that i am going to have to have both a UK gateway and a US gateway running alongside each other in the same application. Surely this is not the case and im missing something entirely?
Thanks in advance.
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伊丽莎白成功了。支付服务提供商必须通过他们想要执行授权/结算的每家收单银行的认证。例如，在英国，主要银行是巴克莱银行 (Barclays)、Streamline、FirstData、汇丰银行 (HSBC)、美国运通 (Amex)、Diners。每次认证都需要成本和大量时间投入。
我从未为美国的收购方进行过开发，但我想数量不少。对其他国家的收单机构进行冲洗和重复，您会发现它很快就会增加。
PA-DSS 和 PCI-DSS 要求是“全球性”的，因此一旦获得那里的认证就不算太糟糕。
您可以直接与英国提供商合作，让您的客户在英国设立收款银行账户吗？所有提供商都将执行多货币授权和结算，因此这是一个非常标准的设置。我们使用该系统为美国客户开发。
Elizabeth nailed it. A Payment Service Provider has to go through accreditation with every acquiring bank that they want to perform authorization/settlement with. In the UK for example the main ones would be Barclays, Streamline, FirstData, HSBC, Amex, Diners. There are costs and considerable time investments for each accreditation.
I've never developed for acquirers in the US, but I imagine there are a good number. Rinse and repeat for acquirers in other countries and you see it soon adds up.
PA-DSS and PCI-DSS requirements are 'global', so once certified there its not too bad.
You could just go with a UK provider and have your clients setup a receiving bank account in the UK? All providers will perform multi-currency authorisation and settlement, so its a pretty standard setup. We've developed for US clients using this system.
实际上有相当多的 PSP 和/或收购方同时支持美国和欧洲。其中大多数将具有各种风格的 API，例如 XML 或 SOAP。查看 Chase Paymentech Europe . com。
最好的问候
史蒂夫
There are actually quite a few PSPs and/or acquirers who support both the US and Europe. Most of these will have various flavours of API such as XML or SOAP. Check out Chase Paymentech Europe dot com.
Best regards
Steve
我的第一个答案是错误的，所以我将其删除。 （我点击了删除按钮，显然你投票赞成删除）。
Magento 是一个支持多种货币、国际化和不同税率的电子商务解决方案。我们之前曾将其用于多功能机库。该站点的基本区域设置是美国，但 Magento 支持一次安装多个站点。我还没有尝试过网站之间的共享用户列表，但我确信它可能是捏造的。
抱歉之前的快速回答。我希望这对你有用。
My first answer was wrong, so I'm deleting it. (I hit the delete button, apparently you vote to delete).
Magento is an ecommerce solution that supports multiple currency, internationalization, and different tax rates. We've used it before for Versatile Hangars. The base locale for this site is US, but Magento supports multiple site on one install. I haven't played around with a shared user list between to sites, but I'm sure it could be fudged.
Sorry for the quick answer before. I hope this works for you.