Paypal、定期计费和 ActiveMerchant
我正在尝试研究如何在我现有的网站上添加基于订阅的付费模式，但遇到了很多相互矛盾的信息，导致我有点迷失。
我所需要的只是一种非常简单的方法来通过信用卡设置定期计费（每月）。我只需要一个简单的解决方案，但很难找到设置它的最佳实践。
到目前为止，我了解到 Paypal 的网站支付标准选项支持这一点。我只是有几个关于如何实现它的问题：
首先，Paypal 是否要求用户使用网站付款标准注册定期计费？
我计划使用 ActiveMerchant，但我发现一些博客说 ActiveMerchant 不支持 Paypal 的定期计费。这是真的吗？
我发现了railskits.com 的SASS Rails Kit，它表示它支持Paypal 网站支付标准的定期计费。如果我购买了这个，代码是否足够清晰，足以在我自己的网站中理解和实施，或者它是针对入门网站而不是现有网站的打包交易吗？
我发现很多博客都提供有关 ActiveMerchant 定期计费的帮助，但使用的是 Paypal 的 Express Checkout。我在 Paypal 网站上读到有关 Express Checkout 的信息，但我仍然不太明白它是什么，以及它与网站支付标准有何不同。谁能用简单的方式解释一下这一点？
如果有人能回答其中一个问题，我将不胜感激！
**顺便说一句，在提出建议之前，我已经观看了 Ryan Bates 的所有关于 Paypal 的 Paypal 截屏视频，这些视频对于基础知识或在购物车中购买商品非常有用，但我不明白它应该如何与定期计费一起使用。另外，他似乎跳过了视频中的一些重要步骤（例如 Paypal 文档说在您的应用程序收到 IPN 后，您需要向 Paypal 发回接收确认信息，但 Ryan 在他的截屏视频中没有这样做）。我只是想弄清楚这一切！
I'm trying to research how to add a subscription based pay model on an existing site of mine, but am running into a lot of conflicting information and caused me to be a bit lost.
All I need is a very simple way to set up recurring billing (per month) by credit card. I just need a simple solution, but am having a hard time finding the best practices of setting it up.
So far I understand that this is supported by Paypal's Website Payment Standards option. I just have a few questions regarding how I should implement it:
First, does Paypal require a user to register for recurring billing with Website Payment Standard?
I planned to use ActiveMerchant but I found some blogs that says ActiveMerchant doesn't support recurring billing from Paypal. is this true?
I found the SASS Rails Kit by railskits.com, which says it supports recurring billing with Paypal's Website Payments Standard. If I purchased this, would the code be clear enough to understand and implement in my own site, or is it kind of packaged deal for starter sites and not existing sites?
I found a lot of blog with help with recurring billing with ActiveMerchant, but using Paypal's Express Checkout. I read about Express Checkout on the Paypal site, but I still can't quite understand what it is, and how it's different from Website Payment Standard. Can anyone explain this in a simple way?
If anyone could answer even just one of these questions, I'd be very grateful!
**By the way, before it gets suggested, I have watched all of Ryan Bates' Paypal screencasts about Paypal, which are great for basics or buying items in a shopping cart, but I don't understand how it should work with recurring billing. Also, it seemed like he skipped some important steps in the video (e.g. the Paypal docs says after your app receives an IPN, you need to send back a confirmation of reception to Paypal, but Ryan does not do this in his screencast). I'm just trying to make sense of all this!
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首先，Paypal 是否要求用户使用网站付款标准注册定期计费？
使用网站付款标准，您可以指导客户在 Paypal 网站上填写其信息。对我来说，这有点俗气，但你的里程可能会有所不同。如果您想赚钱，那么将其集成到您的网站并升级到网站支付专业版是非常值得的。
我计划使用 ActiveMerchant，但我发现一些博客称 ActiveMerchant 不支持 Paypal 定期计费。这是真的吗？
它并不是开箱即用的，但您必须创建一个新的模块类，将其添加到 Active Merchant 中，再加上视图，实际上，这是一项大量的工作。 No 应该对你说这很容易做到，因为他们要么是骗子，要么真的很擅长编程。
我发现了railskits.com 的SASS Rails Kit，它表示它支持Paypal 网站支付标准的定期计费。如果我购买了这个，代码是否足够清晰，足以在我自己的网站中理解和实施，或者它是针对入门网站而不是现有网站的打包交易吗？
当然，它可能更清楚，但如果我记得的话，从今年八月我编写解决方案时起，他们使用参考交易来“伪造”定期计费。至于现有网站，您可能必须将其安装到现有应用程序中，或围绕它创建它。说实话，2XX 美元的价格标签吓跑了我。
我发现很多博客都提供有关使用 ActiveMerchant 进行定期计费的帮助，但使用的是 Paypal 的 Express Checkout。我在 Paypal 网站上读到有关 Express Checkout 的信息，但我仍然不太明白它是什么，以及它与网站支付标准有何不同。谁能用简单的方式解释一下？
Paypal Express 要求您拥有自己的商家帐户。商家帐户是您的资金最终流向的地方，也是您客户的银行帐户可以轻松与您的银行帐户进行对话的唯一帐户。
网站付款标准通过您的 Paypal 帐户使用 Paypal 自己的商家帐户来向您付款。
再说一次，我认为，支付 30 美元并使用 Website Payments Pro。
First, does Paypal require a user to register for recurring billing with Website Payment Standard?
With Website Payment Standard, you direct your customers to fill out their information on paypal's site. to me, that's kind of cheesy, but your mileage may vary. If you are going to be making some money, it's well worth integrating it into your site and upgrading to Website payments Pro, imo.
I planned to use ActiveMerchant but I found some blogs that says ActiveMerchant doesn't support recurring billing from Paypal. is this true?
It doesn't out of the box, but you have to create a new Module class that gets added into Active Merchant, plus the views and really, it's a lot of work. No should say to you that it's easy to do, because they are either liars or really good at programming.
I found the SASS Rails Kit by railskits.com, which says it supports recurring billing with Paypal's Website Payments Standard. If I purchased this, would the code be clear enough to understand and implement in my own site, or is it kind of packaged deal for starter sites and not existing sites?
Sure, it may be clearer, but if i recall, they use a referential transaction to 'fake' recurring billing, as of this august, when i wrote my solution. As for existing sites, you may have to gerry rig it into your existing app, or create it around it. TBH, the $2XX price tag scared me off.
I found a lot of blog with help with recurring billing with ActiveMerchant, but using Paypal's Express Checkout. I read about Express Checkout on the Paypal site, but I still can't quite understand what it is, and how it's different from Website Payment Standard. Can anyone explain this in a simple way?
Paypal Express requires you to have your own merchant account. A merchant account is where your money will end up and is the only for your customer's bank account to speak to your bank account easily.
Website Payments Standard uses Paypal's own merchant Account through your Paypal Account, in order to pay you.
Again, imo, pay the 30 bucks and go with Website Payments Pro.
快速结帐与网站付款标准相同。这是将您的客户重定向至 PayPal 以收集其付款信息的方法。有一个简单的实现，只需创建一个直接发布到 PayPal 的表单，并且您可以选择使用 IPN 来获取有关交易的信息。还有一个用于支付标准的 API，可让您在幕后设置与 PayPal 的交易，然后将您的客户重定向到 PayPal，然后通过 API 查询 PayPal 以获取刚刚完成的交易的详细信息。 SaaS Rails Kit（我是它的作者）使用这个 API。
Website Payments Pro 是 PayPal 的产品，可让您在您的网站上收集付款信息，并通过其 API 将该信息传递给 PayPal。然后，您可以通过 API 获取有关交易的信息。客户永远不会离开您的网站。即使您提供 Payments Pro，PayPal 的 TOS 也要求您提供 Express Checkout。 Payments Pro 费用为 30 美元/月。 （据我记得）并要求您填写专业帐户申请表。
Express Checkout is the same as Website Payments Standard. It is the method of redirecting your customers to PayPal to collect their payment info. There's a simple implementation of just creating a form that posts directly to PayPal, and you can optionally use IPN to get info about the transaction. There's also an API for Payments Standard, that lets you set up the transaction with PayPal behind the scenes, then redirect your customer to PayPal, then query PayPal via the API for details on the just-completed transaction. The SaaS Rails Kit (I'm the author of it) uses this API.
Website Payments Pro is PayPal's offering that lets you collect the payment info at your site and pass that info via their API to PayPal. You then get information about the transaction via the API. The customer never leaves your site. PayPal's TOS require you to offer Express Checkout even if you offer Payments Pro. Payments Pro costs $30 / mo. (as I recall) and requires you to fill out an application for a Pro account.
我们还在开发一个基于订阅的网站，这看起来非常有趣 - http://chargify.com/。可以节省相当多的编码时间。
We're also developing a subscription based site and this looks pretty interesting - http://chargify.com/. Could save quite a bit of coding time.
如果我们正在讨论如何使用 Ruby on Rails /ActiveMerchant 环境进行订阅，我不确定为什么没有人提出 Freemium ，这是 ActiveMerchant 的姊妹项目，专注于订阅。
If we are discussing how to do subscriptions using a Ruby on Rails /ActiveMerchant environment I am not sure why no one has brought up Freemium, which is a sister project to ActiveMerchant that focuses on subscriptions.
我使用 SaaS Railskit，强烈推荐它。代码干净、有注释并且清晰易读。只需进行最少的调整即可将其放入现有应用程序中，或者用作新应用程序的基础。我想如果您只是想将其用作参考或独立的支付处理应用程序，那么它工作得很好。
希望有帮助！
I use the SaaS Railskit, and Highly recommend it. The code is clean, commented and legible. It can be dropped in to an existing app, with minimal tweaking, or used as the foundation for a new app. I suppose it work fine if you just wanted to use it as a reference, or stand-alone payment processing app.
Hope that helps!
另一种可能的选择是使用其他具有定期计费功能的网关之一，例如 Authorize.net 或 BrainTree。我通常不建议使用 Authorize.net，因为他们的开发过程有点简陋（如果你想进行持续测试，你必须申请一个测试帐户，这需要大约 2 天的时间），但我已经在几个网站上与他们进行了集成，而且效果相当好。尽管他们确实有与 PayPal 相同的愚蠢政策，命名了 19 种产品，这些产品似乎都能满足您的需求，但实际上却并非如此。
唯一的好处是人们不必成为 PayPal 会员即可进行付款，而且我相信 Authorize.net 的费用较低，但这可能只是我们的帐户；我们的销售人员是一位谈判杀手。
active_merchant 和 SaaS Railskit 都支持 Authorize.net 和 BrainTree。
我不建议仅仅为了查看使用 active_merchant 的高质量代码而购买 Railskit，但我确信还有其他地方可以免费查找。 Railskit 确实被设计为用作基础，并且几乎可以保证对设置有一组与您计划的不同的假设，因此如果您在项目中的任何位置将两者合并几乎肯定会很痛苦。另一方面，如果您刚刚启动该网站，Railskit 可能是一个以真正理智的环境重新开始的好方法。
One other potential option is to hit one of the other recurring billing capable gateways like Authorize.net or BrainTree. I don't normally suggest Authorize.net because of their slightly gimpy development process (you have to request a test account if you want to do continual testing which takes about 2 days) but I've done integrations with them on several sites and it works reasonably well. Though they do have the same inane policy as PayPal of naming 19 products which all seem to do what you need but don't in reality.
The only bonus to this is that people don't have to be PayPal members in order to do the payment and I believe Authorize.net has lower fees but that may have just been our accounts; our sales guy was a killer negotiator.
active_merchant and the SaaS Railskit both support Authorize.net and BrainTree.
I wouldn't recommend buying the Railskit just to look at quality code that uses active_merchant though, I'm certain there are other places that you can look for free. Railskits are really designed to be used as a base and it's almost guaranteed to have a different set of assumptions about setup than you had planned on so if you've made it anywhere on your project merging the two would almost certainly be a pain. On the other hand, if you're still just starting the site the Railskit might well be a great way to start over with a really sane environment.
如果您使用 Paypal 订阅，那么您可能需要一个 Paypal 企业帐户。没什么可怕的，只需向 PayPal 提供公司名称并请求转换您现有的帐户即可。
我还研究了一些 Rails 的 Paypal 订阅解决方案，最终创建了我自己的解决方案。
我已经在这里写了 使用 1 个控制器将 PayPal 订阅添加到您的 Rails 应用程序。
If you're using Paypal subscriptions then you will probably need a Paypal business account. Nothing scary it's just a case of supplying a business name to paypal and requesting your existing account to be converted over.
I also looked through a few Paypal subscrition solutions for rails and eventually just created my own.
I've written it up here Adding PayPal subscriptions to your Rails App with 1 Controller.
问题：首先，Paypal 是否要求用户按照网站支付标准注册定期计费？
是的，我相信是的。 Paypal 希望用户能够根据需要取消付款。
问题：我计划使用 ActiveMerchant，但我发现一些博客说 ActiveMerchant 不支持 Paypal 定期计费。这是真的吗？
我也这么认为。不过，您可以通过 Paypal SOAP 接口来实现它。这并不太难。
无耻的插件：
我浏览了 Paypal 的所有文档，并找出了用于实现标准和基于肥皂的方法的好东西。 上以 8.50 美元的价格找到它：
您可以在 pragprog.com /shameless 插件
Question: First, does Paypal require a user to register for recurring billing with Website Payment Standard?
Yes, I believe so. Paypal wants the user to be able to cancel the payments as needed.
Question: I planned to use ActiveMerchant but I found some blogs that says ActiveMerchant doesn't support recurring billing from Paypal. is this true?
That's what I see, too. You can implement it through the Paypal SOAP interface, though. It's not too tough.
shameless plug:
I went through all the docs for Paypal and pulled out the good stuff for implementing standard and soap-based methods. You can find it for $8.50 on pragprog.com
/shameless plug: