如何通过一个应用程序快速与多个商家集成
我正在尝试编写一个免费的移动应用程序，使客户的支付与商家无关。
背景：大多数网络应用程序都以商家为中心，并允许客户使用多种付款方式。但我试图另外解决的问题是拥有一个移动应用程序，能够使用您的借记卡、信用卡或 PayPal 帐户向尽可能多的商家付款。它不应该依赖于每个商户的技术合作伙伴关系来发挥作用。在编写前期代码后，它应该能够与任何商家交谈。
我想到了一些解决方案： 与 VISA、Mastercard 或 PayPal 集成。然而，我的目标是与有时只接受借记卡、有时只接受 VISA、有时只接受 PayPal 等的商店集成，同时尽可能少地重新发明轮子。我想知道以前是否有人已经解决过这样的问题？
- 哪些 API 最容易集成？你能举出几个吗？
- 是否存在已经非常流行的知名商户聚合 API？它们是否涵盖 Costco 和 Walmart 等大型商家？
- 我需要注意合作伙伴费用（例如 VISA）吗？
- 是否有一种 API 可以统治所有这些，甚至可以跨借记卡、VISA、PayPal 等进行聚合，以将事情减少到一个集成点？
我需要一个免费的消费者 Android 应用程序，并且非常感谢我能得到的任何帮助 - 特别是如果它具有成本效益的话。
最好的！ 阿明
I'm trying to write a free mobile app that would make payments merchant-agnostic for the customer.
Context: Most web-apps are merchant centric and allow for multiple payment types from the customer. But the problem I'm trying to additionally solve is to have, say, a mobile app that is capable of paying as many merchants as possible using your debit, credit or PayPal account. It shouldn't rely on per-merchant technical partnerships to work. It should just be able to talk to any merchant after writing the upfront code.
There are a few solutions that come to mind: Integrate with VISA, Mastercard, or PayPal. However, my goal is to integrate with stores that sometimes only take debit, sometimes only VISA, sometimes only PayPal, etc, while re-inventing the wheel as little as possible. I'm wondering if anybody has already solved a problem like this before?
- Which APIs are the easiest to integrate against? Could you name a few?
- Are there well known merchant-aggregating APIs that are already very popular? Do they cover much larger merchants like Costco and Walmart?
- Are there partnership costs (with say VISA) I need to be aware of?
- Is there one API to rule them all that would aggregate even across Debit, VISA, PayPal, etc to reduce things to one integration point?
I need this for a free consumer Android app and would really appreciate any help I can get - especially if it's cost-effective.
Best!
Amin
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您也许能够获得大量公开其付款帐户信息的公司的 Paypal 帐户信息，但直接使用信用卡进行操作将相当具有挑战性，因为您需要该公司的商家帐户信息和提供商信息才能进行处理。此信息是敏感数据，因为发布此信息还可以让您使用他们的商家帐户给自己退款。
您是否考虑过使用电子支票作为支付选项？如果是这样，您的应用程序将可以通过您的应用程序向数千家公司付款，而无需复杂地获取商家帐户信息。请告诉我这对您来说是否是一个可行的解决方案，我可以为您提供帮助。
You might be able to obtain a large quantity of Paypal account info on companies who publish their account info for payment, but doing it with credit cards directly would be rather challenging as you would need the company's merchant account information and provider's information in order to process. This info is sensitive data as releasing this info would also allow you to refund yourself money using their merchant account.
Have you thought about using electronic check as a pay option instead? If so, that would allow your app to pay thousands of companies from your application without the complications of getting merchant account info. Let me know if that might be a viable solution for you and I can give you a hand with it.