将资金从客户直接转给第三方（Paypal Payments Pro）
让我们假设有三个政党。组织 X 提供 SaaS，组织 Y 使用 X 的服务，消费者 Z 使用 X 的服务从 Y 进行购买。这在某种程度上类似于 eBay 等。现在我想让 Y 和 Z 直接在他们之间转账，同时也在 X 和 Z 之间转账。这个例子是 X 向 Z 收取费用和某种便利费，而 Y 实际上收取服务费用。
我们目前正在使用网站支付专业版，但我不希望每个第三方（Y 公司）都需要使用它。有人有什么想法吗？
这样做的原因是为了更直接地处理责任问题。
Let us assume that there are three parties. Organization X, which provides a SaaS, organization Y, which is using the X's service, and Consumer Z which is using X's service to make purchase from Y. This is similar to something like EBay for instance in a way. Now I would like to have Y and Z directly transfer money between them while also transfering funds between X and Z. The example would be X charges and covenience fee of some sort to Z and Y actually charges for the service.
We are currently using website payments pro, but I would prefer not to have every single 3rd party (Y corporation) to need to use it. Does anyone have any ideas?
The reason this would be done is to handle liability issues more directly.
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我实际上建议不要做你所建议的事情。实际上，您希望充当渠道，在两方之间促成交易。我相信这类似于亚马逊的联属计划。这是正确的描述吗？
首先，如果您想使责任问题更接近您，您可能应该计划成为一个大型组织。我这样说是因为你需要大量的律师和严肃的反欺诈部门。这是一笔很大的开销——贝宝在这种事情上花费了大量的资金。您确定您的公司能够承担这种责任吗？毕竟，如果反欺诈不是你的核心能力，那么涉足这个领域是一个困难且危险的领域……
允许客户之间相互转账并不是一个好主意。他们信任你，但你不应该假设他们可以互相信任（WRT银行账户信息，我能想到的在他们之间直接转账的唯一方法）。另外，这笔钱可能需要很长时间才能清算。
我建议您的公司（组织 X）接受 Z 的信用信息。然后您按月/按请求向 Y 公司付款。您可以直接从 Z 的信息中收取费用；你可以“更直接地处理责任问题”，这是以前已经做过的模式（亚马逊附属公司，ebay等）而且，它更适合支付行业的结构，而不是试图强行推出新模式（ X->Z 事务与 Y->Z 事务结合起来有点奇怪）。
I would actually recommend against doing what you're suggesting. In effect, you want to broker a deal between two parties, acting as the channel. This is similar to Amazon's affiliate program, I believe. Is this a correct description?
First off, if you're trying to bring liability issues closer to you, you should probably plan on being a big organization. I say this because you will need plenty of attorneys, and a serious anti-fraud department. It's a lot of overhead -- Paypal spends a ton on this kind of thing. Are you sure your company can handle that kind of responsibility? After all, if doing anti-fraud isn't your core competency, it's a difficult and dangerous field to dabble in...
It's not a good idea to allow customers to transfer money between each other. They trust you, but you should not assume that they can trust each other (WRT bank account information, the only way I can think of to directly transfer money between them). Plus, it might take too long for the money to clear.
I would recommend that your company (Org X) accept the credit information from Z. Then on a monthly / by request basis, you pay Company Y. You can take your fees directly from the info from Z; you can "handle liability issues more directly", and it's a pattern that's been done before (amazon affiliates, ebay, etc.) Also, it fits it more with the structure of the payment industry, rather than trying to force a new model (X->Z transaction combined with Y->Z transaction is just a little odd).