贝宝(Paypal)，authorize.net和许多其他付款网关服务如何能够访问签证卡而不管银行如何? [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各地的任何签证和万事达卡的步骤是什么?我应该从哪个组织授权开发我自己的支付网关服务. www.visa.com和www.mastercard.com提供了哪些API和协议来开发自己的支付网关服务.我不知道支付网关服务提供商的api必须与Visa卡品牌站点，发卡行和收单行进行交互. 预先感谢大家的回答.

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

一个付款网关和一个 Authorize.Net 之类的付款网关，允许网站或软件将付款信息发送给付款处理器以处理付款.付款处理器会进行实际的付款处理(例如，检查是否通过了 AVS AVS a>， CVV验证，等等.

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).费用大约为$ 10,000美元，如果您获得批准，则每年为$ 5,000美元.涉及背景检查和审查.这是由您的赞助银行完成的，您也必须找到它.

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，您需要做很多工作.这不是您将使用PHP之类的语言编写的项目.您将需要使用高级语言，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的前端提供动力，但后端内容(包括付款处理)将需要使用高级语言.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，您正在考虑使用价格昂贵但也针对此类情况设计的Oracle数据库.

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符合PCI DSS .您将必须通过定期的合规性检查从头到尾保护您的系统.听起来，这要困难得多.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通过处理网络认证.要成为一个成功的支付网关，您必须在每个处理平台上都经过认证，至少可以想到16个.每个人获得认证大约需要两个月的时间.您可以同时进行操作，但是您至少要等待一年的时间才能通过所有这些方法的认证.而且每个都有一个不同的API，因此您需要对支付网关进行编码才能与所有这些都一起使用.

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.您不仅需要处理PCI DSS问题，而且还需要捕获并存储系统中运行多年的每笔交易.这种数据将需要大量的存储空间(这也需要加以保护).

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).

您的第四大问题将是处理量.网关必须能够在一秒钟或更短的时间内执行事务.这意味着您的硬件解决方案必须能够针对繁忙的流量进行扩展，尤其是在假期期间.它必须能够每秒处理数百个事务(如果成功，则可以处理数千个事务).这就是为什么您需要在PHP上使用高级语言的重要原因.

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，您将需要创建一个功能强大但易于使用的API，供Web开发人员用来连接到您的付款网关.他们需要能够完成信用卡终端可以通过代码完成的所有工作.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! ;)

次要问题包括:

• 确保您符合ECI(电子商务指标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，还需要提供反欺诈工具

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

构建付款处理器是一项更加艰巨的任务.这将需要与银行建立关系(一个朋友刚刚经历了他们的新事业这一过程，并且花了一年多的时间才让一家银行同意与他们合作).我怀疑这将需要您留出大量资金来处理可能导致客户欠款的潜在处理问题.我说的是至少六个数字.

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.

技术方面的内容至少与构建支付网关一样复杂.您需要与银行联系.其中很多.而且您的正常运行时间必须为100％.我对这一切的技术方面还没有那么深入，所以我不能再给您提供任何更具体的信息了.

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.

支付网关是一个巨大的项目，但可行.如果您限制将与之一起使用的网络，它将变得更加容易.也许坚持最流行的方式开始并从那里开始.更好的主意可能是与处理银行合作并通过它们出售商家帐户.然后，首先使您的付款网关仅对他们有效.然后，您可以更快地启动，也可以在信用卡处理中赚钱.付款处理器部分非常庞大，可能超出了您想要做的事情的范围.如果不是这样，那将是一项巨大的任务，远远超出了少数程序员.您也将需要律师.

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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