在线支付实施 - 直接向产品所有者支付从他们那里购买的商品
这是我目前正在开发的系统之一的场景：
我有一个平台，用户可以 注册并放置他们的产品 在线提供价格，买家可以 将产品添加到购物车。
结帐时，买家输入他们的 信用卡信息安全 (https) 协议。
我的问题是：
如何实现产品所有者（购买成功后）可以将钱打入他的帐户的方式？不要忘记，购物车可以包含来自许多不同供应商的产品，因此供应商必须在购买后收到货款。是否有一种设施可以让我获取买家的信用卡，并检查付款是否获得批准，将支付给供应商的金额从买家完成的购买中分割出来？
另外，我需要将其保留为交易历史记录。
我正在用 Java 执行此操作，但我对在线支付流程/程序一无所知。
提前致谢。
PS 我没有美国银行账户。目前，它迎合南非市场。
编辑对于南非公司，我们必须申请一个企业帐户，它允许我们通过网上银行在线购买商品（这意味着网上商店必须提供其帐户详细信息在线供买家通过网上银行进行在线购买）或通过在线支付网关，例如 PayGate< /a>. 不幸的是，这里的每家银行都有他们所坚持的某些可信支付网关，而其他银行可能不隶属于这些支付网关。
南非尚未提供 PayPal 设施，FNB 正忙于与 PayPal（实际上是 eBay）谈判把设施带到这里。如果成功，只有 FNB 将获得 PayPal 支持。
This is a scenario to one of the system I'm currently developing:
I have a platform where users can
register and place their product
online, provide a price and buyers can
add a product to the shopping cart.On checkout, the buyer enters their
credit card information on a secure
(https) protocol.
My question is this:
How do implement the way that (when the purchasing is successful) the product owner can receive the money to his account? Don't forget that the shopping cart can contain products from many different vendors so the vendors must receive their money after purchasing. Is there a facility that allows me to take a credit card of the buyer, and check whether the payment is approved, split the amounts paid to the vendors amount they need from the purchase done by the buyer?
Also, I need to keep this as a transaction history.
I'm doing this in Java and I have no clue on online payment processes/procedures.
Thanks in advance.
PS I don't have a US Bank Account. For now, it caters for South African market.
Edit For South African companies, we have to apply for a Business account, which allows us to either purchase items online via internet banking (that means that online shops have to have a provide their account details online for the buyer to do online purchasing via internet banking) or through an online payment gateway such as PayGate.
Unfortunately, each banks here have certain trusted payment gateways they stick with and it other banks may not be affiliates to these payment gateways.
PayPal facility is not yet available in South Africa, FNB is busy negotiating with PayPal (actually eBay) to bring the facility here. If successful, only FNB will have PayPal support.
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您需要实施可用的任何主要第三方提供商的支付 API。然后，您将需要您的客户向您提供他们的 API 凭据，以便您可以连接到代表他们的这些 API。这将允许付款直接发送给他们。
问题：如果这些 API 允许退款，则没有什么可以阻止您通过发放退款从这些帐户中获取资金。这自然会阻止任何有头脑的人使用你的服务。
根据您所在的位置，您可能无法按原样提供该服务。您可能需要在可以使用 Paypal、Amazon 和/或 Google 支付服务的国家/地区寻找合作伙伴。这样您就可以实施中间人付款选项。
You'll need to implement the payment APIs of any major third party providers that are available to you. You then will need your customers to provide their API credentials to you so you can connect to these APIs representing them. That will allow payment to go straight to them.
Problem: If these API allow for refunds there is nothing to stop you from essentially taking money from these accounts by issuing refunds. This will naturally discourage anyone with half a brain from using your service.
Based on your location this may not be a service you will able to provide as is. You may need to find a partner in a country that has Paypal, Amazon, and/or Google payment services available to them. That way you can implement middle man payment options.
这还不是一个编程问题。您对信用卡公司在您所在国家/地区的运作方式了解不够（或没有告诉我们）。
或者您的问题确实是：“如何按供应商分离订单列表？”
This isn't a programming question yet. You don't know (or haven't told us) enough about how credit card companies work in your country.
Or is your question really: "How can I separate a list of orders by vendor?"
您有美国银行账户吗？亚马逊有专门针对此类功能的付款方式。
功能列表
Do you have a US bank account. Amazon hav payments which are specifically tendered to this kind of feature.
List of Features