如何使用银行转账 (BACS) 以电子方式将资金转入另一个账户
我正在开发一个项目，我们使用信用卡/借记卡/PayPal 付款方式向用户收取付款。
该服务代表第三方组织向用户收取付款。 一旦我们收到付款，减去费用，我们希望将金额转入该组织的银行账户。
目前，我们能做的就是使用网上银行 BACS 银行转账向组织付款。
但我想知道是否有一种方法可以使用 API 自动执行此操作。
如果我们需要在转账之前以某种方式注册第三方银行帐户详细信息，这没问题。 我们只是想让整个过程自动化，因为目前传输是一个手动步骤。
我可以使用任何网关或 API 来实现此目的吗？在英国？
I'm working on a project where we collect payments from users using credit/debit/PayPal payments.
The service is taking payments from users on behalf of a 3rd party organisation.
Once we take the payment, minus fees, we want to transfer the amount to the organisations bank account.
For now, what we can do is pay the organisation using Online Banking BACS bank transfer.
But I would like to know if there is a way to do this automatically using an API.
If we need to somehow register the 3rd parties bank account details before making transfers, this is fine.
We just want to automate the whole process, since at the moment the transfer is a manual step.
Are there any gateways or APIs I can use for this? In the UK?
如果你对这篇内容有疑问，欢迎到本站社区发帖提问 参与讨论，获取更多帮助，或者扫码二维码加入 Web 技术交流群。
绑定邮箱获取回复消息
由于您还没有绑定你的真实邮箱，如果其他用户或者作者回复了您的评论，将不能在第一时间通知您！
发布评论
评论（2）
由于这个问题仍然没有答案，我将投身其中。
为了非英国用户的利益，英国有一个名为 Bacs 的中央清算系统，该系统由该国的主要银行运营。然而，公司也可以使用 Bacs 软件直接向清算系统提交信息。
有许多公司销售本地和在线服务/API，允许您直接通过 Bacs 汇款（并收取直接借记）。
免责声明：我目前在一家软件公司 (Bottomline Technologies) 工作该公司销售 Bacs API< /a> - 我不会提及产品名称，要查看替代公司，您可以简单地 Google 搜索“bacs software api”
希望这会有所帮助
As this is still un-answered I'll throw my hat into the ring.
For the benefit of non-UK users, the UK has a central clearing system called Bacs, which is run by the major banks in the country. However, companies can also makes submissions directly to that clearing system, by using Bacs Software.
There are a number of companies that sell on-premise and online services/APIs that allow you to send money directly via Bacs (and collect Direct Debits).
DISCLAIMER: I currently work for a software company (Bottomline Technologies) which sells a Bacs API - I won't mention the product name and to see alternative companies you can simply Google for 'bacs software api'
Hope this helps
你走错了方向。您应该与支付处理商（可能包括也可能不包括您的银行）讨论业务考虑因素，这可能比技术考虑因素更重要。一般来说，你可以期待一些合理的东西，你（经过足够的摆弄之后）能够说服它工作。这是否涉及某种 api 库、soap 调用或其他通信方法并不重要。
如果您确实认为技术考虑比业务考虑更重要，那么就选择 Paypal，根本不要编写自己的购物车内容。这更容易使用，并且会为您完成更多繁重的工作，但这也可能会增加您的费用。
一旦您创建了一个真正的购物车并开始自己处理付款（即接收 CC 信息并将其发送到付款处理器），您就会开始陷入涉及 PCI 合规性等的一系列法律和技术问题，这些问题无论在什么情况下都适用。您选择的支付处理器*。
*这是美国特有的，但我敢打赌英国也有类似的东西。
You are going in the wrong direction. You should talk to payment processors (which may or may not include your bank) about the business considerations, which probably are more important than the technological considerations. Generally you can expect something somewhat reasonable that you will (after fiddling with it enough) be able to convince to work. It doesn't matter whether this involves some sort of api library, soap calls, or other communication method.
If you honestly consider having the technological considerations more important than the business considerations, then just go with Paypal and don't write your own shopping cart stuff at all. This is easier to use and will do more of the heavy lifting for you, but which will also probably charge you more.
Once you create a real shopping cart and start handling payments yourself (i.e. taking in CC information and sending it to a payment processor), you start getting into a mess of legal and technical concerns involving PCI compliance and the like, which will apply regardless of your choice of payment processor*.
*This is US-specific, but I bet the UK has something similar.