具有定期付款功能的远程信用卡存储（可能是 PayPal）
嗯，我正在设计一项需要订阅才能供最终用户使用的在线服务。它有一个免费的基本计划，然后用户有几个功能更丰富的付费计划。
订阅按月或按年（用户选择）。
根据客户规范，该服务应该有两种处理付款的路径 - 信用卡处理或 PayPal 订阅。我即将处理 PayPal 订阅、IPN 等所有事务，但我担心信用卡问题。我知道如何使用 PayPal 的 API 对 CC 进行收费，而且我很清楚我不能存储任何敏感信息，所以我的想法是使用第 3 方服务通过一些安全的 API 来存储信用卡，然后构建一个 CRON 作业将每天运行以根据某些条件检查订阅是否即将到期，如果是，则在下一个计费周期收费。
嗯，我过去曾在 Authorize.net 上为不同的产品存储过信用卡。他们的 API 允许在那里创建用户配置文件（您可以获取要保留的内部用户 ID），发送要存储的 CC（您可以获取要保留的内部抄送 ID），并且无论何时您都可以通过 API 对该 ID 进行收费。但只有当用户有意识地提交表格“用这张信用卡支付费用（从 Authorize.net 检索到的最后 4 位数字）”时 - 因此在后台使用 cron 作业向他们收费可能会导致法律问题，尽管我们会这样做这只是为了他们有意识地订阅的服务。
简而言之 - 我想知道通过 cron 作业对存储在远程服务上的信用卡进行定期付款是否是可行的方法（如果不是，请推荐一些东西）。如果是的话，我读到 PayPal 有一项以类似于 Authorize.net 的方式存储信用卡的服务，但经过广泛的研究，我找不到任何规范、任何文档或任何关于如何做到这一点的示例。并不是说我不能使用 Authorize.net 做到这一点，但与我记忆中的 Authorize.net 相比，PayPal 在技术上似乎要好得多。
Well, I'm designing an online service that needs subscription in order to be used by the end user. It has a Free basic plan and then the user has several paid plans that are more feature rich.
Subscriptions are monthly or yearly (user's choice).
By client spec, the service should have two paths to handle payments - credit cards processing or PayPal subscriptions. I'm about to handle the PayPal subscriptions, IPN and everything but I have worries about the credit cards. I know how to make charges against CC with PayPal's API and I know very well that I can not store any sensitive information, so my idea is to use 3rd party service to store the credit cards through some secure API and then build a CRON job that will run every day to check if a subscription is about to expire based on some criteria and if so, charge for the next billing period.
Well, I have stored credit cards with Authorize.net in the past for different product. Their API allowed to create user profiles there (for which you obtain internal userid to keep), send a CCs to store (for which you obtain internal cc id to keep) and whenever you wanted you could do a charge against that id through the API. But it was only when the user consciously submitted a form "pay for this with this credit card (last 4 digits retrieved from Authorize.net)" - so charging them with cron job in the background might lead to legal issues, although we would do that only for a service they consciously subscribed for.
In short - I would like to know if having recurring payments with cron job on credit cards stored on remote service is the path to go (if not, please, recommend something). And if it is, I read that PayPal have a service to store credit cards in a way similar to Authorize.net but after extensive research I couldn't find any spec, any docs or any samples on how to do that. Not that I can not do it with Authorize.net but PayPal seems to be technically much better compared to what I remember from Authorize.net.
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使用您的支付处理器提供的 API；有些确实有使用信用卡定期计费的解决方案。 Paypal 有这个：https://www.paypal.com/pdn-recurring。不确定 Authorize.Net - 快速谷歌发现 http://www.authorize.net/解决方案/merchantsolutions/merchantservices/automaticrecurringbilling/。
一般来说，在此模型中，您设置一个计费时间表（例如“每月”），付款提供商会完成其余的工作 - 没有 CRON 作业。您确实必须处理付款失败的情况。
Work with the API your payment processor provides; some do have a solution for recurring billing using credit cards. Paypal have this: https://www.paypal.com/pdn-recurring. Not sure about Authorize.Net - quick google found http://www.authorize.net/solutions/merchantsolutions/merchantservices/automatedrecurringbilling/.
Generally, in this model you set a billing schedule (e.g. "monthly"), and the payment provider does the rest - no CRON jobs. You do have to deal with a failed payments.
看看 Spreedly 核心。它是一个安全的 CC 保险库，可连接到 30 多个网关 - 例如 PayPal、Stripe、Authorize.net 等。这是实现您目标的另一种选择。
Look at Spreedly Core. It is a secure CC vault that connects to more than 30 gateways - like PayPal, Stripe, Authorize.net etc. It's another option to achieve what you're aiming for.