向应用程序添加支付功能 [英] Add payment functionality to an application

问题描述

我需要添加工具来接受我的应用程序中的用户付款。我需要了解两种情况：

1）接受我的申请中只有一家银行的付款

2）接受来自多家银行的申请付款



我尝试了什么：

I need to add facility to accept payments from users in my application. I need to know about two scenarios:
1) accept payment from just a single bank in my application
2) accept payment from multiple banks in application

What I have tried:

What will be the approach or architecture to follow to achieve this.

推荐答案

如果你考虑一下，它真的不是很难组合在一起。 br $>


1.客户将商品放入购物车

2.客户开始结账时订单总额为？100.00

3.客户支付部分款项？25

4.客户新增总额为？75

5.客户支付该余额的第二笔款项



在所有现实中，你可以继续支付部分款项，直到余额为零。请记住，这些部分付款中的每一笔都会花费您的交易费用和销售百分比。



现在有详细信息...

你没有从银行取钱。您从支付网关请求资金，支付网关充当您的应用程序和支付流程之间的联络人，他的工作是与客户银行交谈并将钱存入您的商家帐户。



具体实施取决于网关的功能。大多数人现在应该支持拆分付款，如果卡＃1只能支付一部分，他们也应该告诉你。



但是在你达到这一点之前，您将需要精通保护您收集的数据，了解您不能保留的数据和隐私。

If you think about it, it really isn't too hard to put together.

1. Customer places item in cart
2. Customer begins check-out with order total of ?100.00
3. Customer makes partial payment of ?25
4. Customer new total is ?75
5. Customer makes second payment for that balance due

In all reality you could just keep taking partial payments until the balance due was zero. Just keep in mind that every one of these partial payments is going to cost you money in transaction fees and percentage of sales.

Now for the particulars...
You don't get money from the bank. You request money from a payment gateway, who acts as a liaison between your application and the payment process, who's job it is to talk to the customers bank and put money into your merchant account.

Particular implementation is going to depend on the features of your gateway. Most should support "split" payments now, and if card#1 can only afford a portion they should tell you that also.

But before you get to this point, you will need to be well-versed in securing the data you collect, knowing what you cannot retain, and privacy.

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