如何在线刷卡以供日后付款？
我有几个客户希望在他们的网站上获取信用卡详细信息，以便将来可以计费（一个客户运行课程，如果用户没有取消，则只需在课程开始前 4 周向用户计费，另一个客户运行一家慈善机构，并且每个筹款活动都必须筹集至少 3,000 美元，低于该数额的资金将从他们的信用卡中扣除）。我完全感谢他们不能/不应该在自己的网站上获取和存储抄送数据，但我想检查您对最佳解决方案的看法。显然，如果用户立即在线支付，那么就可以使用任何支付网关，但他们不需要立即计费，并在未来不确定的时间内向卡收取一定金额（通常是几个月后）这只能在付款前确定。
我是否正确地认为，最好的方法是使用某种可变定期支付系统（例如 WorldPay 的 FuturePay、PayPal 的自动计费或Authorize.net 的 CIM 服务）。这些（和其他类似服务）允许可变付款（尽管 WorldPay/PayPal 似乎是为定期付款而不是一次性付款而设置的）。
I have a couple of clients that want to take credit card details on their website that they can then bill in the future (one runs courses and users are only billed 4 weeks before their course if they haven't cancelled and one runs a charity and each fundraiser is required to raise at least $3k, anything less than that is taken from their credit card). I totally appreciate they can't/shouldn't take and store the cc data on their own sites but I wanted to check your views on the best solution to do this. Obviously if the users were paying immediately online then it would be fine and any payment gateway could be used however they need to not bill them immediately and charge the cards an indeterminate amount of time in the future an amount (usually a couple of months later) that can only be established just before payment.
Am I right in thinking that the best way to do this is use some kind of variable recurring payment system (eg WorldPay's FuturePay, PayPal's automatic billing or Authorize.net's CIM service). These (and other similar services) allow for variable payments (although WorldPay/PayPal seem to be setup for recurring payments rather than one offs).
There also appears to be the option to use a company like http://www.braintreepayments.com/credit-card-storage to store the information. I would be most grateful if anyone could confirm how you generally go about dealing with this situation and whether you use the options i list above or if there's any better/more suited alternatives?
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如果我没记错的话，Stripe.com 可以提供帮助。查看有关从服务器向用户收费的链接：
https://stripe.com/docs/tutorials/charges< /a>
If i am not wrong, Stripe.com can help with this. Check out this link about charging users from your server:
https://stripe.com/docs/tutorials/charges
大多数支付服务提供商都可以完成您想要做的事情。您本质上希望在新客户注册时执行零值授权。这有两个目的，它将验证卡详细信息（如果卡详细信息存在问题，支付网关将发回“拒绝”或“失败”），并且还将卡详细信息存储在服务提供商处。
服务提供商将返回一个令牌 ID，您可以在以后针对该客户的任何授权/收费请求中提交该令牌 ID。使用此模型，您需要注意卡随着时间的推移可能会变得无效（因为它们过期，或者用户更换丢失/被盗的卡等）。
“定期付款”的设置略有不同，通常更适合定期（例如每月）付款的基于订阅的服务。与之前的模式相比，定期付款的优势在于，服务提供商应该能够使用 Visa 和 Mastercard 提供的服务代表您自动更新卡详细信息，以便在卡过期时进行报告，并使用新卡更新旧卡详细信息细节。
What you're trying to do can be done with most Payment Service Providers. You essentially want to perform a zero value authorization when a new customer signs up. This has two purposes, it will validate the card details (the payment gateway will send back a 'declined' or 'failed' if there is an issue with the card details), and it also stores the card details with the service provider.
The service provider will return a token id which is what you then submit on any future authorization/charge requests for that customer. With this model you need to be aware that cards can over time become invalid (as they expire, or user replaces a lost/stolen card etc etc).
'Recurring payments' is a slightly different set up and are generally more suitable for subscription based services with regular (eg monthly) payments. The advantage to recurring payments over the previous model is that the service provider should have the ability to automatically update card details on your behalf by using services that Visa and Mastercard provide to report back when cards expire, and to update old card details with new card details.