Becoming a payment service provider takes a truckload of money, and an army of financial experts, lawyers, IT specialists, security specialists, tax counselors, and much much more. It's not just a question of programming: dealing with money has huge tax, bookeeping and legal consequences that a single individual is unable to keep up with.
Unless you're a millionaire, my advice is: forget it, and concentrate your energy on something productive instead.
The thing is that these big payment processors have ties with the big companies such as Visa and Mastercard etc. Their systems tie directly into the banks to approve payments. Some direct debit instructions are done by post.
As a result it would be difficult to create such a website on a small scale. This is why you don't see many small payment processors, only the big guys.
I hope you mean "How do I process payments through an API online that is connectable with multiple CMS systems" and the answer would be to use guys like www.beanstream.com, authorize.net etc. THye have APIs that allow you to use SOAP or cURL to make calls over a secured connection, process (or decline) payments etc. without customers having to leave your site. Paypal also offers an option like that as well, although they are not officially set up as a merchant account service provider, so I prefer to use the "real" guys. I've used Beanstream.com on many of my projects. They are a Canadian company - there are many (more) US providers.
If you're actually looking to start a new business that facilitates the financial transactions, and you're asking this on Stack Overflow to start, you're off to the wrong start - starting such a service provider corporation will require a very large funding base, regulatory issues, connecting with Mastercard etc. and more.
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成为支付服务提供商需要大量资金，以及一支由金融专家、律师、IT 专家、安全专家、税务顾问等组成的大军。这不仅仅是一个编程问题：处理金钱会带来巨额税收、簿记和法律后果，而单个个人无法承担。
除非您是百万富翁，否则我的建议是：忘记它，将精力集中在富有成效的事情上。
Becoming a payment service provider takes a truckload of money, and an army of financial experts, lawyers, IT specialists, security specialists, tax counselors, and much much more. It's not just a question of programming: dealing with money has huge tax, bookeeping and legal consequences that a single individual is unable to keep up with.
Unless you're a millionaire, my advice is: forget it, and concentrate your energy on something productive instead.
事实是，这些大型支付处理商与 Visa 和 Mastercard 等大公司有联系。他们的系统直接与银行联系以批准支付。一些直接借记指令是通过邮寄方式完成的。
因此，很难小规模地创建这样一个网站。这就是为什么你看不到很多小型支付处理商，而只看到大型支付处理商。
wiki 上有关支付处理方的更多信息：http://en.wikipedia.org/wiki/Payment_processor
希望这有帮助。
The thing is that these big payment processors have ties with the big companies such as Visa and Mastercard etc. Their systems tie directly into the banks to approve payments. Some direct debit instructions are done by post.
As a result it would be difficult to create such a website on a small scale. This is why you don't see many small payment processors, only the big guys.
More info on wiki about payment processors: http://en.wikipedia.org/wiki/Payment_processor
Hope this helps.
我希望您的意思是“如何通过可与多个 CMS 系统连接的在线 API 处理付款”，答案是使用 www.beanstream.com、authorize.net 等。您拥有允许您使用的 API SOAP 或 cURL 通过安全连接进行呼叫、处理（或拒绝）付款等，而客户无需离开您的站点。 Paypal 也提供了类似的选项，尽管他们没有正式设置为商家帐户服务提供商，所以我更喜欢使用“真正的”家伙。我在我的许多项目中使用过 Beanstream.com。他们是一家加拿大公司 - 还有许多（更多）美国供应商。
如果您确实想开办一项促进金融交易的新业务，并且您在 Stack Overflow 上要求开始，那么您就错了——开办这样一家服务提供商公司将需要大量资金基础、监管问题、与万事达卡的连接等等等。
I hope you mean "How do I process payments through an API online that is connectable with multiple CMS systems" and the answer would be to use guys like www.beanstream.com, authorize.net etc. THye have APIs that allow you to use SOAP or cURL to make calls over a secured connection, process (or decline) payments etc. without customers having to leave your site. Paypal also offers an option like that as well, although they are not officially set up as a merchant account service provider, so I prefer to use the "real" guys. I've used Beanstream.com on many of my projects. They are a Canadian company - there are many (more) US providers.
If you're actually looking to start a new business that facilitates the financial transactions, and you're asking this on Stack Overflow to start, you're off to the wrong start - starting such a service provider corporation will require a very large funding base, regulatory issues, connecting with Mastercard etc. and more.