最好的在线支付处理解决方案是什么? [英] What's the best online payment processing solution?

问题描述

应该可供非美国公司使用、易于设置、可靠、便宜、可定制等.您有什么经验?

Should be available to non-U.S. companies, easy to setup, reliable, cheap, customizable, etc. What are your experiences?

推荐答案

你真的不能用我喜欢‘在此处插入提供名称’"来回答这类问题；输入答案，因为与许多事情一样，它是一种平衡，选择付款处理解决方案的原因往往很复杂.

You can't really answer this kind of question with a "I like 'insert provide name here'" type answer because like so many things it is a balance and the reasons for choosing a payment processing solution tend to be complex.

选择安全支付清算服务(将连接到银行网络并为您清算资金的人员 - 将其称为 SPCS)的最重要因素是您将以多少成本出售多少小部件.所有 SCPS 提供商的定价模型都基于此等式.这决定了使用服务的经济性，而这几乎总是最重要的因素.

The most important factor in choosing a secure payment clearance service (the people who will connect to the banking networks and clear the money for you - will refer to them as SPCS) is how many widgets will you be selling at what cost. The pricing models of all the SCPS providers is based around this equation. This dictates the economics of using the service, which is nearly always the most important factor.

例如，在英国，securetrading.net 有很高的年费和很高的最低交易价值(已经有一段时间了我已经看到了确切的数字，但它们并没有在网站上立即显示出来，但这只是为了说明)使其成为最昂贵的解决方案之一，如果您的销量很高价值低音量.大多数较小的客户将落入这种模式.高价值实际上是超过几美元的任何东西.低容量通常是每月少于数万个单位.但是，如果您在国际环境灾难(相对低价值非常大量)之后运行捐赠服务，那么它们将成为最便宜的服务之一.

For example, in the UK securetrading.net have a large annual fee and high minimum transaction values (been a while since I've seen the exact numbers and they don't make it immediately obvious on the site, but this is for illustration only anyway) making it one of the most expensive solutions to use if you are selling high value low volume. Most smaller clients will fall into this model. High value is really anything over a couple of dollars. Low volume is typically anything less than tens of thousands of units per month. However, if you are running a donations service in the aftermath of an international environmental disaster (relatively low value very high volume) then they become one of the cheapest.

考虑到设置成本(相对较高)以及将服务绑定到站点的成本(在 SecureTrading 的情况下，这很容易做到，但仍然比添加 PayPal 按钮困难得多)，然后您开始建立一个真实的画面.

Factor in to this the setup costs (relatively high), and the cost to tie the service into the site (in SecureTrading's case it's very easy to do, but still a lot harder than adding a PayPal button) and you start to build up a true picture.

另一方面，诸如 PayPal 之类的服务的设置成本非常低(无需支付费用，并且很容易集成)，但交易成本相对较高.它非常适合高价值/低交易量的交易.

On the flip side, a service such as PayPal has very low setup costs (no fee to pay, and trivially easy to integrate), but relatively high transaction costs. It is great for high value / low volume transactions.

支付清算服务有两大类 - Bureau 和 Bank Acquired.

There are two main categories of payment clearance service - Bureau and Bank Acquired.

在英国至少有 NetBanx、SecureTrading 和 WorldPay 提供银行收购和机构服务.ProtX 和 SecPay 仅提供银行获得的服务.PayPal 及其同类产品的运作略超出了这两个定义(参见下面的保护).

In the UK at least NetBanx, SecureTrading and WorldPay offer both bank acquired and bureau services. ProtX and SecPay offer only bank acquired services. PayPal and its ilk operates slightly outside both definitions (see Protection below).

银行收购服务会接入您的普通银行商家账户，并将资金直接转入该账户.除了向您收取这项服务的费用外，您的银行也会从中分得一杯羹，通常这比 SPCS 提供商收取的费用要多，因此实际上银行成为决定因素.

A Bank Acquired service plumbs into your normal banking merchant account and clears the funds straight into it. As well as charging you for this service, your bank will also take a slice, typically this is more than the SPCS provider will charge and so it actually is the bank that becomes the deciding factor.

有些银行只会与其首选的提供商合作.在英国，大多数银行都希望您拥有一个单独的互联网商家帐户，即使您已经拥有他们的商家帐户.

Some banks will only work with their preferred provider. In the UK, most banks want you to have a separate Internet Merchant Account even if you already have a Merchant Account with them.

我总是告诉客户要货比三家，因为这会对他们的电子商务企业带来的收入产生巨大影响.并非所有银行都生而平等.

I always tell clients to shop around, as this will make a huge difference to how much their e-commerce venture can bring in. All banks are not created equal.

Bureau 服务在提供清算服务的同时有效地充当您的银行.在银行还没有掌握互联网概念并且希望交易被凿成石碑的时候，它们很受欢迎.通常，您会根据情况在局服务和银行收购服务之间做出选择.

Bureau services effectively act as your bank at the same time as providing the clearance service. They were popular in a time when banks hadn't grasped the concept of the Internet and would prefer transactions be chiseled into stone tablets if they got their way. Often the choice between a bureau service and a bank acquired service is made for you based on circumstances.

在许多国家/地区(包括英国)，大多数银行在您交易特定时间段(在英国为 2 年)之前不会为您提供商家帐户.那么您唯一的选择就是机构服务.

In many countries (including the UK), most banks won't give you a merchant account until you have been trading for a particular period of time (2 years in the UK). Your only option is then a bureau service.

大多数机构服务会保留您的现金作为退款"的担保.

Most bureau services will hold onto your cash as security against "charge backs".

如果你卖给我一辆法拉利，我很震惊地得知你卖给我的是一个小金属玩具，而不是我期待的 1.5 吨意大利汽车激情，我会向我的信用卡公司投诉，他们会退款给我然后向您的商家服务提供商寻求退款.他们将不得不给他们退款，然后追你要钱.

If you sell me a Ferrari and I am horrified to learn that you've sold me a small metal toy rather than the 1.5 tonnes of Italian automotive passion I was expecting, I will complain to my credit card company who will refund me and then chase your merchant services provider for a refund. They will have to give them the refund and then chase you for the money.

因此，将您的资金保留 4-6 周以防止出现这种情况符合他们的利益.如果您在没有资本支出(例如软件)的情况下销售服务或商品，那么您可以负担得起.另一方面，如果您真的必须向豪华汽车进口商付款才能为您提供库存，那么现金流就变得非常重要，您将需要银行收购的服务，您可以立即获得付款.

It's therefore in their interests to hold on to your money for a period of 4-6 weeks to protect against this. If you sell services or goods with no capital outlay (software for instance), then you can afford this. If on the other hand, you really are having to pay your luxury car importer to provide you with stock, then cash flow becomes very important and you're going to need a bank acquired service where you can be paid immediately.

PayPal 和类似服务的一个主要缺点是，它不受管理信用卡的相同规定的保护.

One major downside to PayPal and similar services is that it is not covered under the same regulations that govern credit cards.

简而言之，如果您使用信用卡购买商品，您的信用卡提供商有责任确保您获得所支付的款项(广义而言，在大多数国家/地区，不构成法律建议等)，并且如果您对你的购买他们会很快退款给你，然后会去追你付钱的人.

Simply put, if you buy something on a credit card your card provider is liable for ensure you get what you paid for (broadly speaking, in most countries, does not constitute legal advice etc.) and if you have a problem with your purchase they will refund you very quickly and then will go and chase the person that you paid.

当 Leo Laporte 在他的播客中为美国运通做广告时，您会听到这种保护措施.这是一个好东西"TM.PayPal 没有这种保护，因为当您在 PayPal 上使用信用卡时，您实际上是在购买 PayPal 的服务.因此，即使您错误销售了产品，您支付服务费用的人 (PayPal) 没有错误销售，他们提供了您支付的服务.这打破了链条.

This is the kind of protection you hear about when Leo Laporte advertises American Express on his podcasts. It is a "Good Thing"TM. You don't have that protection with PayPal because when you use your credit card on PayPal, you are actually buying PayPal's service. So, even if you are mis-sold a product, the person you paid for the service (PayPal) didn't mis-sell, they provided the service you paid for. This breaks the chain.

PayPal 没有以同样方式保护您的法律义务，而且他们在退还被盗用客户方面的记录也不尽如人意.我猜他们有Caveat Emptor"在他们总部的墙上大写.:)

PayPal don't have a legal obligation to protect you in the same way, and their record on refunding ripped off customers is less than spangly. I'm guessing they have "Caveat Emptor" writ large on the walls of their head office. :)

我不是在贬低 PayPal，它们在许多其他安全功能方面遥遥领先，但需要牢记另一个因素.

I'm not dissing PayPal, they are way ahead of the curve on many other security features, but just another factor to bear in mind.

不同的服务在集成的难易程度方面有所不同.哦，天哪，他们有什么不同.我现在正在做一些工作来进行汇丰整合.我宁愿做根管治疗.一些系统对您必须使用它们的方式做出重大假设，并且设计不佳或不灵活.将它们改装到活动站点可能会非常痛苦.其中一些很漂亮且易于使用(而且不一定不那么安全).最大的区别在于您选择集成的方式.

Different services differ in their ease of integration. Oh boy do they differ. I'm sitting on some work right now to do an HSBC integration. I'd rather have a root canal. Some of the systems make big assumptions about the way you have to work with them, and are poorly designed or inflexible. Retro-fitting them to an active site can be very painful. Some of them are beautiful and easy to work with (and not necessarily less secure). The biggest difference is how you choose to integrate though.

大多数服务通过允许您重定向到您的客户填写他/她的详细信息的安全站点来集成.它们最终被重定向回您自己网站上的页面，其中包含交易结果.这在大多数情况下效果很好，并且最容易集成.

Most services integrate by allowing you to redirect to a secure site where your customer fills in his / her details. They are finally redirected back to a page on your own site with the results of the transaction. This works well in most cases and is easiest to integrate.

当您在亚马逊上购买商品时，您不会被重定向到 WorldPay 或 PayPal.如果您想要端到端集成，现在大多数服务都会让通信发生在幕后.当然，您自己的站点必须有一个像样的安全服务器证书，而且集成也必然更加复杂.

When you buy something on Amazon, you don't get redirected to WorldPay, or PayPal however. If you want end-to-end integration, most services now will let the communication happen behind the scenes. Your own site has to have a decent secure server certificate of course, and the integration is necessarily more complex.

过去，PayPal 被用于小网站.你不会赶上亚马逊使用它.这种看法已经发生了很大的变化，事实上，在某些意义上，PayPal 的安全性比大多数人都要好.如果您的受众希望看到 PayPal，而您为他们提供了一些其他服务，那么您可能会失去习惯，反之亦然.如今，许多商家都为客户提供了选择.

It used to be that PayPal was used on dinky sites. You wouldn't catch Amazon using it. That perception has changed a lot, and in fact in some senses PayPal does security better than most. If your audience expects to see PayPal and you give them some other service then you may lose custom, or vice versa. These days many merchants offer a choice to customers.

• WorldPay.建立良好.局和银行收购.交易成本和年度成本相对较高.相当容易集成.最终归苏格兰皇家银行所有.
• SecPay.银行收购.低单笔交易成本和低年度成本以及灵活的支付模式.
• ProtX.银行收购.每笔交易成本低，年成本低，支付模式灵活.集成的要求可能很高.
• 汇丰银行.银行收购.每笔交易成本低.高昂的设置和年度成本.集成起来非常不灵活.
• SecureTrading.收购局和银行.每笔交易成本低，但设置和年度成本高.我上次使用它时(9 年前！)集成起来很容易
• NetBanx.收购局和银行.自 1996 年以来就没有使用过，所以无法评论！

• WorldPay. Well established. Bureau and bank acquired. Relatively high transaction costs and annual costs. Fairly easy to integrate. Owned ultimately by Royal Bank of Scotland.
• SecPay. Bank Acquired. Low per transaction cost and low annual cost and flexible payment models.
• ProtX. Bank Acquired. Low per transaction cost and low annual cost, flexible payment models. Can be quite demanding to integrate.
• HSBC. Bank Acquired. Low per transaction cost. High set up and annual costs. Very inflexible to integrate.
• SecureTrading. Bureau and Bank Acquired. Low per transaction cost but high setup and annual costs. Was a doddle to integrate last time I used it (9 years ago!)
• NetBanx. Bureau and Bank Acquired. Haven't used since 1996 so can't comment!

当然还有 PayPal、Google Checkout 和 Amazon FPS 非常值得一看，值得一看自己回答！

And of course PayPal, Google Checkout and Amazon FPS are well worth looking at and worth a whole answer on their own!

告诉你没那么简单！通常，作为开发人员，我们无法为自己做出选择，而这些决定应由我们雇主/客户的业务需求驱动.

Told you it wasn't that simple! Usually, as developers, we're not in the position to choose for ourselves, and these decisions should be driven by the business needs of our employer / client.

大多数电子商务项目都会从 PayPal 或类似项目开始.当企业获得足够多的订单，他们可以通过切换到其他服务来节省资金时，那么他们就有足够的钱来支付切换费用.

Most e-commerce projects would start with PayPal or similar. When the business gets enough orders that they could save money by switching to another service, then they've got enough money to pay for the switch.

免责声明:我是英国人，多年来与大量这些服务进行了许多集成，但是市场一直在变化，事情可能已经发生变化，您的里程可能会有所不同！我不是律师或会计师，如果你接受我的建议，那不是我的错:)

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