I have an app that needs to use with a pay what you want model. I'm struggling to find a billing provider that offers this service outside of donate buttons.
The app is for a for-profit company, so I'm not sure if there is any gray area using Paypal, Amazon or Google for this. Outside of Paypal's 'donate' button, the process of allowing users to enter in a value they'd like to pay seems clunky at best.
I was wondering if there were any less known billing providers out there that offer a simple a nice pay-what-you-want or pay-as-you-will option. Merchant accounts and gateways arn't an issue.
Thanks
The possible isssues are You need to find international payment provider, User needs credit card.In case You use local payment system like netbanking you can target bigger circle.
For International payment Options are
http://www.wilsonweb.com/wct4/international.cfm
http://hubpages.com/hub/The-Top-International-Payment-Methods
Why not just implement it yourself, just like any other shopping cart app? The difference being that instead of the "cart" calculating the total for the user to pay, the user himself fills up the amount in a form. After that, just redirect him to the credit card processor with whatever amount he filled up!
Related
I am working on a Rails Application where Users can buy Items other Users shared previously.The payments should be flexible to allow the User who shared an Item to get the money a buyer pais.
1) Is it possible to create Flexible Paypal Payments (Different Seller, different Price for each Item)?
2) Can you use the PayPal IPN with Donations to check whether a buyer paid or not?
3) If not, what is the most efficient way to achive that goal?
Thanks in advance for each answer! Please tell me if you need additional information.
Here's the way I'd approach this:
Is it possible to create Flexible Paypal Payments?
Different sellers: Do you want them to be able to receive the payment directly in their Paypal? If that's the case, you'd need to provide them the details to create a Paypal merchant account and securely store those details, but I don't think that's the approach you want to take;
Most payment solutions provider gives a way to send payment to multiple vendors/merchants, which you may instead want to set up or even in your application, you can set up a kind of payment stuff to ensure that integrates with Paypal's API to pay your vendor soon as you receive payments for items.
So, yes it's possible, the different sellers could be tricky, but all other things are possible!
Can you use the PayPal IPN with Donations to check whether a buyer paid or not?
Absolutely, that's one of the biggest benefit of the IPN is that your application gets to know on time if someone has made a payment. You only have to validate this record with Paypal and, not like it's often necessary compare the payment amount
I've looked at stripe connect and it forces each user to impute their Social Security number and etc. just so they accept payments for a item they want to sell.
Is there a less painless method where users can sell something on my site, receive monies, and buy from other users?
I tried using stripe alone and it pays me directly. Problem is I want user to sign up, sell something on the site, and get paid. I'm not sure how this can be done without having each user impute social security numbers, tax id, and other personal information if all they want to sell is a pen.
For financial compliance reasons (know your customer laws, anti-money laundering stuff), as well as protecting you from chargebacks and refunds, you'd have to use Stripe Connect and either Standalone or Managed Accounts. Unfortunately this means you'll have to collect certain information from the user like their bank account, date of birth, last 4 of their social, etc.
You can using their Transfers API, but you need to be in the US and so do they. https://stripe.com/blog/send-payouts-with-stripe
I'm looking for a way to accept money from credit cards and send money from my account to someone's credit card. Does anyone know of an API/Gateway that allows me to do this?
I'm working in Rails.
Thanks to all helpers!
Uri
First, I assume you're integrated into an online payment gateway such as Cybersource, Stripe, Braintree or anything else. You'd need that to process cards and each has its own integration documentation and gems.
Once integrated, you want to issue a REFUND to a credit card. This will send money to that card, debiting your bank account. Now the tricky part is that most processors demand a preliminary positive transaction to make a refund, which isn't your case. You're looking for something called stand alone credit or stand alone refund, which some processors require special permission for.
I've used this with Cybersource via Paymentech in the past. Have a look at page 45 in their documentation.
Alternatively, the easiest way to pay someone to his credit card is via a wallet. PayPal is the most popular wallet so you can use that, allowing users to draw their funds into a credit card.
If your comapny is big enough, it can also use Payout services such as Tipalti and Payoneer.
The standard gem for this is active_merchant.
You can transfer money to other accounts, if the gateway supports this.
See API documentation of transfer
I'm currently working on an iOS app where I would like to control the user experience of the entire checkout process when the user is paying directly by credit card. The PayPal iOS SDK doesn't quite fit my use case as it has a baked in ViewController that must be displayed to complete the payment.
The PayPal REST API's appear to allow me to charge a user's card directly but would require my secret key in the process implying it should only be used for some server side flow.
The PayPalPaymentViewController does have an option to take credit card payments directly from the user so I wonder if these services being used to accomplish this are publicly available?
First, I'd be curious as to why the provided view controller is inadequate. The goal is to provide a minimal interface in which to accept credit cards.
But, yes, these services are publicly available. A limited set of functionality (e.g. sale transaction) is possible by omitting the OAuth2 secret.
However, you will still want to verify the transaction on your own server in order to avoid being spoofed by a malicious user.
Don't try to replace the paypal ViewController with anything else, you might run into lots of legal trouble. For example, here in germany, the size and text of the "purchase" button is regulated by law. Paypal's Lawyers have checked the german version of the ViewController for correctness. If anyone, in germany, uses your app, and makes purchases with a different UI, chances are very high that a) the transaction is void and b) german authorities will prosecute you for fraud. Don't risk that.
Ok so there is this feature that I would like to implement on my site. Users can choose to donate money to a specific nonprofit (let's say Wikipedia). So they click donate and they choose the amount on the website, get redirected to PayPal website, complete the transaction, and then get redirected to my website AFTER I get some Instant Notification, with which I track that donation in my website database with the users info.
I looked up some Railscasts video about PayPal, but they were all mostly about e-commerce. How can I set up the system to wire the money directly to Wikipedia's PayPal account and how can I get the notification back? I really could appreciate it if someone could assist me with this.
P.S I am running the localhost server for now, will that be a problem?
What you're trying to do is called a "third party transaction" since the first two parties to the transaction are the donor and the recipient org (eg Wikipedia).
From my quick search of PayPal, I don't think it is supported. Even if it is supported, you'd need approval from each of the recipients to set it up. Eg see this Paypal 3rd party shopping cart article
Amazon Flexible Payments Service does support third party payments. Again, you'd need the co-operation of the recipients.
You could have the donors pay money to you which you would then turn around and donate to the non-profits. But to do so, either your donors would lose the tax deductions or you'd need to become a non-profit yourself. In addition, there would be two sets of transaction fees, yours and the recipients.