无论银行如何，paypal、authorize.net 和许多其他支付网关服务如何访问 Visa 卡处理? [英] how paypal, authorize.net and many other payment gateway service get access to visa card processing regardless of bank?

问题描述

我们知道有很多支付网关服务提供商，即 paypal、moneybrookers、authorize.net 以及许多国内和国际支付网关提供商.现在，我的问题是开发我们自己的支付网关服务以处理世界上任何银行的任何签证和万事达卡的步骤是什么.我应该从哪个组织获得授权来开发我自己的支付网关服务.www.visa.com和www.mastercard.com提供的api和协议是什么来开发自己的支付网关服务.不知道支付网关服务商的api需要与visa卡品牌网站、发卡行、收单行进行交互..??请提供指导...提前感谢大家的回答..

We know there are so many payment gateway service providers namely paypal, moneybrookers, authorize.net and many national and international payment gateway providers. Now, my question is what are the steps to develop our own payment gateway service to process any visa and mastercard regardless of any bank of the world. From which organization should i need to take authority to develop my own payment gateway service. What are the api and protocols provided by www.visa.com and www.mastercard.com to develop own payment gateway service. I don't know that payment gateway service provider's api has to interact with visa card brand site, card issuer bank and acquirer bank..??Please provide me the guideline... Thank you all in advance for your answer..

推荐答案

支付网关 和 支付处理器是两种不同的东西.支付网关，如 Authorize.Net，允许网站或软件将支付信息发送到支付处理器以处理支付.支付处理器实际处理支付(例如检查卡上是否有可用资金，是否获得批准，AVS、CVV 验证等).

A payment gateway and a payment processor are two different things. A payment gateway, like Authorize.Net, allows a website or software to send payment information to a payment processor to process the payment. The payment processor does the actual handling of the payment (e.g. checks to see if funds are available on the card, is it approved, AVS, CVV verification, etc).

要与 Visa 和 MasterCard 建立关系，您需要成为 会员服务提供商 (MSP) 和独立销售组织 (ISO).这需要大约 10,000 美元的前期费用，如果您获得批准，则每年需要 5,000 美元.涉及背景调查和审查.这是由您的发起银行完成的，您也必须找到该银行.

To get a relationship with Visa and MasterCard you need to become a Member Service Provider (MSP) and Independent Sales Organization (ISO). This costs about $10,000 up front and then $5,000 a year if you are approved. A background check and review is involved. This is done by your sponsoring bank, which you also have to find.

要构建支付网关，您还有很多工作要做.这不是一个你会用像 PHP 这样的语言编写的项目.您将需要使用更高级别的语言，例如 C 或 C++.编译后的东西会比 PHP 更快、更健壮.您可以使用 PHP(即用户控制面板)为基于 Web 的前端提供支持，但后端内容，包括支付处理，需要使用更高级别的语言.您还需要一个企业级数据库，因为开源数据库永远无法处理这样的任务.基本上，您正在考虑使用 Oracle 数据库，该数据库价格昂贵但也是为此类事情而设计的.

To build a payment gateway you have a lot of work ahead of you. This isn't a project you would write with a language like PHP. You would need to use a higher level language such as C or C++. Something compiled that will be much faster and more robust then PHP. You can power your web based front end with PHP (i.e. user control panel) but the backend stuff, including payment processing, will need to be in the higher level language. You'll also need an enterprise level database as open source databases could never handle a task like this. Basically you're looking at using an Oracle database which is expensive but also designed for this sort of thing.

您的第一个主要问题将是PCI DSS 合规性.您必须通过定期合规性检查从上到下保护您的系统.这比听起来要困难得多.而且也很贵.

Your first major issue will be PCI DSS compliance. You will have to secure your system from top to bottom with regular compliance checks. This is a lot more difficult then it sounds. And expensive, too.

您的第二个主要问题将是获得处理网络的认证.要成为一个成功的支付网关，您必须在每个处理平台上获得认证，我能想到至少有 16 个.每个认证需要大约两个月的时间.您可以同时进行，但您至少需要一年时间才能获得所有这些认证.而且每个 API 都有不同的 API，因此您需要对支付网关进行编码才能与所有这些 API 配合使用.

Your second major issue will be getting certified by the processing networks. To be a successful payment gateway you must be certified on every processing platform and there are at least 16 of them that I can think of off of the top of my head. Being certified takes about two months for each. You can do them simultaneously but you would be looking at at least a year to be certified on all of them. And each one has a different API so you will need to code your payment gateway to work with all of them.

您的第三个主要问题将是您存储的数据.您不仅要处理 PCI DSS 问题，而且还需要捕获和存储在您的系统中运行多年的每笔交易.此类数据将需要大量存储空间(也需要保护).

Your third major issue will be the data you store. Not only do you have the PCI DSS issues to deal with, but you will need to capture and store every transaction that runs through your system for years. That kind of data will require tons of storage space (that will also need to be secured).

您的第四个主要问题将是处理量.网关必须能够在一秒或更短的时间内执行交易.这意味着您的硬件解决方案必须能够适应繁忙的交通，尤其是在假期期间.它将需要能够每秒处理数百个事务(如果成功则为数千个).这是您需要使用比 PHP 更高级的语言的一个重要原因.

Your fourth major issue will be processing volume. A gateway must be able to perform transactions in a second or less. This means your hardware solutions must be able to scale for heavy traffic especially over the holiday season. It will need to be able to handle hundreds of transactions per second (thousands if you become successful). That is a big reason why you'll need to use a higher level language over PHP.

您的第五个主要问题是您需要为 Web 开发人员创建一个功能强大且易于使用的 API，以用于连接到您的支付网关.他们需要能够通过代码完成信用卡终端可以完成的所有事情.记录应该很有趣！;)

Your fifth major issue is that you will need to create a powerful yet easy to use API for web developers to use to connect to your payment gateway. They need to be able to do everything a credit card terminal can do through code. Documenting that should be fun! ;)

小问题包括:

• 确保您符合 ECI 标准(电子商务指标是所有互联网交易都需要)

• Making sure you are ECI compliant (Electronic Commerce Indicator is required for all Internet transactions)

保护所有数据传输 (SSL)

Securing all data transfer (SSL)

提供用户控制面板

如果您想成功，您还需要有可用的反欺诈工具

If you want to be successful you will also need to have anti-fraud tools available

构建支付处理器是一项更加艰巨的任务.这需要与银行建立关系(一个朋友刚刚为他们的新企业经历了这个过程，仅仅花了一年多的时间才让银行同意与他们合作).我怀疑这需要您留出大量资金来处理导致客户欠款的潜在处理问题.我说的是至少六位数.

Building a payment processor is an even more herculean task. It will require relationships with banks (a friend just went through this process for their new venture and it took over a year just to get a bank to agree to work with them). I suspect it will require you having a lot of money set aside to deal with potential processing issues that result in your customers being owed money. I'm talking at least six figures.

技术上的东西至少和构建支付网关一样复杂.你需要与银行打交道.其中很多.并且您的正常运行时间必须为 100%.我在这一切的技术方面还没有这么深入，所以我不能给你更具体的东西.

The technical stuff would be at least as complex as building a payment gateway. You'll need to be interfacing with banks. Lots of them. And your uptime must be 100%. I have not been this deep in the technical aspects of it all so I can't give you anything more specific then that.

支付网关是一个庞大但可行的项目.如果您限制它将使用的网络，它会变得更容易.也许坚持最流行的开始并从那里开始.一个更好的主意可能是与处理银行合作并通过他们出售商家帐户.然后首先让您的支付网关只为他们工作.然后，您可以更快地启动并通过信用卡处理赚钱.支付处理器部分很大，可能超出了您想要做的范围.如果没有，那将是一项超出少数程序员的艰巨任务.你也需要律师.

The payment gateway is a huge project but doable. It becomes easier if you limit the networks it will work with. Maybe stick to the most popular to start and go from there. A better idea might be to partner with a processing bank and sell merchant accounts through them. Then make your payment gateway work only for them at first. Then you can launch quicker and also make money on the credit card processing. The payment processor part is huge and probably beyond the scope of what you want to do. If not, it's a huge undertaking that goes way beyond a handful of programmers. You're gonna need lawyers, too.

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