Developing your own payment gateway is slightly complicated and comes with lots of compliance issues. So, assume for the time being this is not an option. Now, there are various payment gateways available in market you can choose the one which fits your requirements. The parameter of appropriate selection could be transaction currency, country, transaction fee, withdraw charges, fraud detection and mitigation system, charge back transaction charges, ease of integration etc. About integrating a gateway, there are two types of integration possible
Form based
API based
The need you mentioned fall under the category of API based gateway.
Form based gateway is the one which, in which user is redirected to the gateway provider site and there user enters credit card and other details, once payment confirmed gateway provider notifies back through various means like HTTP call back etc.
API based is the one in which you display your own form at your website. Gateway provider provides an integration API kit to make a call to the gateway. Capture all the details like cc details etc at your end and pass all the details to the gateway provider by calling the API integrated.
As far as efforts are concern, form based gateways are easier to integrate. I would suggest you to go ahead with form based gateways. This way you dont need to put much effort of programming.
The best solution is to select a payment gateway that supports your programming language / framework. The selection of your gateway will also depend greatly on your location and currency support requirements (as well as service fees). Typically data will be sent to the gateways in XML or JSON over SSL connections. Some sample gateways include BrainTree, PayPal or BeanStream. If you live in the United States I would recommend BrainTree because they offer a Java API (found here). Otherwise, just read through the documentation and the rest should be easy.
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开发自己的支付网关有点复杂，并且会带来很多合规性问题。因此，暂时假设这不是一个选择。
现在，市场上有各种各样的支付网关，您可以选择适合您要求的一种。适当选择的参数可以是交易货币、国家/地区、交易费用、提款费用、欺诈检测和缓解系统、退款交易费用、集成难易程度等。
关于集成网关，有两种可能的集成类型
您提到的需求属于基于 API 的网关类别。
基于表单的网关是一种用户被重定向到网关提供商网站并在那里输入信用卡和其他详细信息的网关，一旦付款确认，网关提供商就会通过 HTTP 回调等各种方式进行通知
基于 API 是您在网站上显示自己的表单的形式。网关提供商提供集成 API 套件来调用网关。在您端捕获所有详细信息（例如抄送详细信息等），并通过调用集成的 API 将所有详细信息传递给网关提供商。
就工作而言，基于表单的网关更容易集成。我建议您继续使用基于表单的网关。这样你就不需要花太多的精力去编程。
如果您使用 Ruby，可能会检查 http://www.activemerchant.org/
预集成网关列表可在活跃商家中使用：http://activemerchant.rubyforge.org/
希望这会有所帮助！
Developing your own payment gateway is slightly complicated and comes with lots of compliance issues. So, assume for the time being this is not an option.
Now, there are various payment gateways available in market you can choose the one which fits your requirements. The parameter of appropriate selection could be transaction currency, country, transaction fee, withdraw charges, fraud detection and mitigation system, charge back transaction charges, ease of integration etc.
About integrating a gateway, there are two types of integration possible
The need you mentioned fall under the category of API based gateway.
Form based gateway is the one which, in which user is redirected to the gateway provider site and there user enters credit card and other details, once payment confirmed gateway provider notifies back through various means like HTTP call back etc.
API based is the one in which you display your own form at your website. Gateway provider provides an integration API kit to make a call to the gateway. Capture all the details like cc details etc at your end and pass all the details to the gateway provider by calling the API integrated.
As far as efforts are concern, form based gateways are easier to integrate. I would suggest you to go ahead with form based gateways. This way you dont need to put much effort of programming.
If you are using Ruby, probably check http://www.activemerchant.org/
List of pre-integrated gateways available in active merchant: http://activemerchant.rubyforge.org/
Hope this would help!!!
最好的解决方案是选择支持您的编程语言/框架的支付网关。网关的选择很大程度上取决于您的位置和货币支持要求（以及服务费）。通常，数据将通过 SSL 连接以 XML 或 JSON 形式发送到网关。一些示例网关包括 BrainTree、PayPal 或 BeanStream。如果您住在美国，我会推荐 BrainTree，因为他们提供 Java API（找到 这里）。否则，只需阅读文档即可，其余的应该很容易。
The best solution is to select a payment gateway that supports your programming language / framework. The selection of your gateway will also depend greatly on your location and currency support requirements (as well as service fees). Typically data will be sent to the gateways in XML or JSON over SSL connections. Some sample gateways include BrainTree, PayPal or BeanStream. If you live in the United States I would recommend BrainTree because they offer a Java API (found here). Otherwise, just read through the documentation and the rest should be easy.