Rails 市场支付处理
我有一位客户最近将我为他们构建的项目范围更改为市场。
以前，用户必须支付象征性的费用才能注册该网站...我正在使用 Active Merchant 处理信用卡交易。
对于他们现在想要建立的市场，他们想要建立一个简单的托管型系统……当买方收到产品时，向卖方支付的款项就会被释放。
由于以下几个原因，这将很困难：
- 系统如何确定何时收到物品？接收者可以简单地撒谎。我知道贝宝做了类似的事情，但他们使用运输公司的跟踪号码来确定这一点。
- 如何将付款存入卖家账户？处理买家付款很容易，但如何将这笔钱交给卖家呢？
对于#2，我认为可能可以使用某种贝宝帐户来处理这个问题......我还没有研究任何细节。知道从哪里开始吗？
如果我幸运的话，Paypal 或许也能处理#1。
有什么建议吗？
I have a client who recently changed the scope of a project I was building for them, to a marketplace.
Previously users had to pay a nominal fee to register for the site...I was handling credit card transactions using Active Merchant.
For the marketplace that they now want to build they want to build a simple escrow-type system...the payment to the seller gets released when the buyer receives the product.
This will be difficult for several reasons:
- How will the system be able to determine when the item has been received? The receiver could simply lie about it. I know paypal does something similar, but they use the tracking number from the shipping company to determine this.
- How do I go about depositing payments in the sellers account? It's easy to process the payment from the buyer, but how do I get this money to the seller?
For #2 I was thinking it might be possible to use some sort of paypal account to handle this...I haven't looked into any specifics yet. Any idea where to start?
Paypal may be able to handle #1 as well, if I am lucky.
Any suggestions?
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我们在 #2 中使用了 PayPal 自适应支付...仍在寻找一种解决方案来促进用户 A 和用户 B 之间的交易，而市场则占 %...
希望听到更多答案！
We used PayPal Adaptive Payments for #2... still hunting for a solution to facilitate the transaction between User A and User B with the marketplace taking a %...
Would love to hear more answers!
关于#1 - 我需要某种在交货时签名的收据。这将取决于货物的价值，在较低范围内跟踪收据+某种声誉系统来消除滥用该系统的人，这在过去对我有用。
关于#2，支出；我建议您查看我们的产品Balanced。它正是为了解决这个问题而构建的，所以我认为这是一个很好的匹配。
平衡将允许您将资金收集到托管账户，然后以单独的操作支付资金，从而允许您根据需要将资金分开或组合在一起。付款是通过次日 ACH 完成的（仅限美国），但我们建立国际支持。
Balanced 有一个优秀的 ruby gem 因为你是在 Rails 中构建的，并且有一个 ActiveMerchant 插件（如果是）你正在/已经融入了什么。
In regards to #1 - I'd require some sort of signed receipt on delivery. That would depend on the value of the goods, at the lower range tracking receipt + some sort of reputation system to remove people who abuse the system has worked for me in the past.
In regards to #2, disbursements; I'd recommend you look at our product Balanced. It's built to solve exactly this problem so I think it's a good match.
Balanced will allow you to collect funds into an escrow account and then disburse the funds as a separate action which allows you to split the funds up or group them together as required. Payouts are done via next-day ACH (US only) but we're building out international support.
Balanced has an excellent ruby gem since you're building in Rails and there's an ActiveMerchant plugin if that's what you are/have integrated with.