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  • is a merchant account a requirment for a website to take payments

    - by calum
    I have had a quick look but couldn't see anything related. Basically, if we were to accept payments for events on our website, via paypal (essentially a Buy it now! button), as a business, do we need a merchant's account, or will a regular bank account be acceptable? I may have some confusion in terms. My understanding is you need a merchant's account to accept credit card payments, but as we are using PayPal, is this necessary? Thank you for any clarification. disclaimer - I've read What are some options for taking payments on my website? but it doesn't explicitly say if we require a merchant account or not. Thank you.

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  • Already have Merchant Account, what info will my Gateway need?

    - by Anonymous Coward
    I have a client who already has a merchant account for their physical store. What specific information about the merchant account will my client need to get from his bank to link it up to an online payment gateway that we will be using for the store? -----edits below -"my merchant account" changed to "the merchant account" -It is noted that my client will need to get a "high-risk" merchant account separate from his existing physical stores merchant account. -Though the question is essentially answered, for clarification: We plan to minimize our PCI compliance needs by utilizing something like Braintree's Transparent Redirect or the CRESecure iForm. So the gateway we would need to give the merchant account info to would be either of those two. Though, the CRESecure method would have yet one more step added into the mix since they would forward data to another payment provider. It is now assumed that the best place to field this question is to the support team at Braintree or CRESecure.

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  • Multiple merchant accounts with Activemerchant gem.

    - by sosborn
    I am developing a rails site that will allow a group of merchants (5 - 10) to accept credit card orders online. I plan on using the Activemerchant gem to handle the processing. In this case, each merchant will have their own merchant accounts to handle the payments. Storing banking information like that is not something I am a fan of. This could be solved by queing orders and allowing the merchant to log in to the site, input their credentials and process the order. However, if I go that route then it seems to me that I would have to store the customers' credit card information temporarily until the merchant has the opportunity to log in and process the order, which to me is the greater evil. Has anyone dealt with this situation? If so, what are the options available and what pitfalls should I look out for? In my mind, security customer credit card information is priority number one with the merchant account information a close second.

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  • What are some reputable merchant account providers for high risk payment web sites?

    - by GregH
    I am helping to set up an online cigar web site. However, it has become a real pain to take payments online since tobacco is considered a "high-risk" item and nobody will provide a merchant account to process the payments. It looks like there are companies that specialize in high-risk merchant accounts. I was wondering if anybody could recommend a high-risk merchant account and payment processing provider?

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  • Where is Google Wallet Merchant PostBack Settings

    - by kstubs
    This is part rant part question. The rant is: I am so confused with Google Wallet/Checkout/InApp/Store/blah blah blah.. And, I find it incredibly difficult to not only login but to navigate my way around. Logging in is a quest in itself, I often find myself logging into Google Wallet, but I need the Sell/Merchant site usually. Enough Rant Can someone please tell me how to find my PostBack Url setting for an InApp Google Wallet purchase verification? Right now I'm logged into wallet.google.com/merchant and I swear this setting is no where to be found. I'm looking for this equivelant: https://sandbox.google.com/checkout/inapp/merchant/settings.html Thanks, Karl..

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  • Who do you use for a merchant account?

    - by Josh
    Hi everyone, I was hoping to get an idea of the merchant accounts out there and if there are any strong recommendations for one in particular. I would also appreciate advice on how merchant accounts differ. Please use separate answers for each recommendation so that we can take full advantage of the voting system. Thanks!

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  • is a merchant account a requirment for a website to take payments..

    - by calum
    Hi, I have had a quick look but couldn't see anything related. Basically, if we were to accept payments for events on our website, via paypal (essentially a Buy it now! button), as a business, do we need a merchant's account, or will a regular bank account be acceptable? I may have some confusion in terms. My understanding is you need a merchant's account to accept credit card payments, but as we are using PayPal, is this necessary? Thank you for any clarification. disclaimer - I've read What are some options for taking payments on my website? but it doesn't explicitly say if we require a merchant account or not. Thank you.

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  • Google check out Merchant Id Not corrrect

    - by Testadmin
    Hi I am using google check out in my project. It is in sandbox mode. I am using Xml api check out , When i click google button in my page , i got an error message like " An error had ocurred: HTTP Status: 400: Error message: No seller found with id 623746024295438 " What is thie , Actually , i have that merchant Id and Key ,, Please help me urgently

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  • Subscription Management with Merchant Account via API

    - by Josh
    I'm researching gateways/vendors that provide the ability to create subscription based transitions for merchant accounts. In other words, I want to allow customers to signup for a subscription for a website service that charges once a month. Authorize.Net has an ARB (Automated Recurring Billing) Module. The cost is cheap, $10 a month for the service, with unlimited subscriptions, and they have an API that allows XML or SOAP access to create, update and cancel. The LARGE negative of the service is that it doesn't have elegant way to obtain the current status of a subscription. They can send a daily email with an attached CSV file, or someone can login into the site and review statuses – neither is an enterprise solution. The parent company "CyberSource" has a "Recurring Billing Service" which implies a more robust solution, including API access to subscription information. I’m currently waiting for a sales call back on costs related to the service. I also looked at PayPal's Recurring Billing Service, but that appears to require that users are redirected to the PayPal site to signup for the subscription -- again, not an an elegant solution. Does anyone know of any other vendors/gateways that offer subscription service, that meet the following criteria: Vendor/Gateway must host the credit card number and be PCI compliant Have an API that accessible via a Web Service, Post over HTTPS or SOAP Have an API that allows querying the status of subscriptions and/or the ability to query for activity since a certain date. Thanks in advance for your suggestions.

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  • Active Merchant Paypal Recurring Pem Error Neither Pub Nor Priv Key

    - by Andy
    Hi, I am trying to use ActiveMerchant to make a Paypal Recurring transaction call. I used the patch here: http://blog.vuzit.com/2008/08/01/paypal-website-payments-pro-us-with-recurring-billing-and-activemerchant/ and I'm stuck on this here: ActiveMerchant::Billing::PaypalGateway.pem_file = File.read('paypal_cert.pem') I am fairly sure the pem file is correctly downloaded from paypal. The error I receive is: /Library/Ruby/Gems/1.8/gems/activemerchant-1.5.1/lib/active_merchant/lib/connection.rb:129:in initialize': Neither PUB key nor PRIV key:: nested asn1 error (OpenSSL::PKey::RSAError) from /Library/Ruby/Gems/1.8/gems/activemerchant-1.5.1/lib/active_merchant/lib/connection.rb:129:innew' from calling the commit method from line 49 of paypal_pro_recurring. I simply have 2 files - paypal_pro_recurring.rb from the tutorial and paypalTest.rb which I wrote and simply requires all files and calls the function. I hope the error isn't something stupid like I must require from an environment file or something. Thanks all!

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  • How to use Custom Namespace for a Google Merchant Center Item Feed

    - by Jon
    I have declared the namespace that i am using: <?xml version='1.0'?> <entry xmlns='http://www.w3.org/2005/Atom' xmlns:g='http://base.google.com/ns/1.0' xmlns:c='http://base.google.com/cns/1.0'> here is a typical xml node i have: <c:gold_type type="string">White Gold</c:gold_type> Yet, when i submit my feed only the Google Namespace xml nodes work. Any ideas?

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  • Does the android market use your merchant API callback URL during the Google checkout process for pa

    - by tootflow
    If I have a paid app on Android Market, will my merchant API callback URL get a hit when the customer goes to check out? I am wondering how merchants/vendors/developers secure their applications for android market. I have used google checkout before to implement a custom integration, so I understand how that all works. What I do not see anywhere that I have looked is what, if any, integration does the merchant/developer have with the Android Market checkout process? I understand that the market uses google checkout, but in that case the market hosts the checkout process and not the merchant, so it's not clear whether they give your URL a call. So where is the hook? Am I right in assuming it is the merchant API callback URL?

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  • How do I get Paypal or a merchant account for a marketplace style web site?

    - by Brett G
    I'm having trouble getting approved for a merchant account for my website. Basically I have expert users and users. Expert users provide a service through my website which they set their own rates. Users purchase the services, then pay me, I give 90% to the expert users. I have been told this is factoring.. Is the way around this, a system like freelancer.com does? Where users deposit money into their freelancer account, then pay for the services they won? What are the negatives to this system? What about sites like 99designs? They accept CC payments and then pay the winning designer. How are some sites doing this but I'm having so much trouble getting approved?

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  • Is there a way to take credit cards on my website without needing a merchant account/payment gateway?

    - by Erik
    I've been looking for a service like this but can't find one -- it boggles my mind that such a thing doesn't exist. The ideal thing I'm looking for would be something like this: User fills out a form on my website I submit data to the service (cc #, payment amount) I get paid perhaps monthly by the service the amounts that were charged (less a fee) This is more or less how accepting paypal for payments works, except it takes my users to paypal's site and forces them to create a paypal account etc, which I'd like to avoid. Does such a service exist?

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  • Is ther anyone familiar with Erica Sadun's APIKit(app private api scanner)?

    - by user262325
    Hello everyone I'm trying to use APIKit to scan my codes to detect if there is private API. apiscanner should run as ./apiscanner ~/Desktop/MyPath/myapp.app I used command 'cd' go to the directory where apiscanner is. But if I call ./apiscanner ~/Desktop/MyPath/MyApp.app on terminal it reports Last login: Sun Jun 13 07:22:07 on ttys002 unknown required load command 0x80000022 Trace/BPT trap logout Even if I copy the files apiscanner and doit to MyPath, then execute, I get the same problem. I think there is something wrong when I run apiscanner under Mac OS X. Welcome any comment Thanks

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  • Paying by Cash

    - by David Dorf
    I'll grant you paying by cash in the context of stores isn't particularly interesting, but in my quest to try new payment methods I decided to pay by cash at an online store. Using a credit card means I have to hoist myself off the couch, find the card, and enter all those digits. Google Checkout certainly makes that task easier by storing my credit card information, but what happens to all those people that don't have a credit card? What about the ones that are afraid to use credit cards over the internet. There are three main options for cash payment, not all of which are accepted by every merchant. The most popular is PayPal. The issue I have with them is that returns and disputes have to be handled with PayPal, not the merchant. I once used PayPal at a shady online store and lost my money. Yeah, my bad but they wouldn't help me at all. PayPal was purchased by eBay in 2002. BillMeLater is best for larger purchases, because at checkout they actually run a credit check to make sure you're credit worthy. Assuming you are, they pay the merchant on your behalf and mail you a bill, which you better pay quickly or interest will start to accrue. That's nice for the merchant because they get paid right away, and I presume there's no charge-backs. BillMeLater was purchased by eBay in 2008. Last night I tried eBillMe for the first time. After checkout, they send you a bill via email and expect you to pay either via online banking (they provide the instructions to set everything up) or walk-in locations across the US (typically banks). The process was quick and easy. The merchant doesn't ship the product until the bill is paid, so there's a day or two delay. For the merchant there are no charge-backs, and the fees are less than credit cards. For the shopper, they provide buyer protection similar to that offered by credit cards, and 1% cashback on purchases. Once the online bill-pay is setup, its easy to reuse in the future. Seems like a win-win for merchants and shoppers.

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  • How to handle optional variables of an object in Java?

    - by Arvanem
    Hi folks, For my trading program, I have a Merchant class. A given Merchant object may or may not have a particular special quality or bundle of special qualities. For example, one Merchant object may have the Stockbroker quality, another Merchant may have the Financial Services and Stockbroker qualities, and another Merchant may have no special qualities at all. My initial thought was to create a HashMap and a Qualities class as follows: Map<Qualities, Boolean> merchantQualities = new HashMap<Qualities, Boolean>(); The only problem is, there are at least 50 possible special qualities for Merchants, such that it would be extremely tiresome to subclass all the qualities from the Quality class. Is there a better way of coding for these optional special qualities and representing them in the Merchants class than a HashMap and subclassing a Qualities class?

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  • Paypal API for preapproved payments , is the merchant charged for pre-approved transactions ?

    - by Michael
    I'm running an classified ads website and I'm charging a specific fee for each ad placed. As you may know paypal charges a specific percent for each transaction + a specific amount fee (e.g 2,9% + 0.30 cents) . I have customers who place about 30 ads per month therefore I would like to integrate a schema that would cut the specific amount fee . Basically I'm looking to make "pre-approve" call every time after the client place an ad to make sure that he has the money to pay and at the end of the month to cancel all the scheduled pre-approved transactions and make a single payment request with the whole amount. The question that I have is : Will I be charged for the pre-approved transactions that I cancel ?

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  • PCI compliance when using third-party processing

    - by Moses
    My company is outsourcing the development of our new e-commerce site to a third party web development company. The way they set up our site to handle transactions is by having the user enter the necessary payment info, then passing that data to a third party merchant that processes the payment, then completing the transaction if everything is good. When the issue of PCI/DSS compliance was raised, they said: You wont need PCI certification because the clients browser will send the sensitive information directly to the third party merchant when the transaction is processed. However, the process will be transparent to the user because all interface and displays are controlled by us. The only server required to be compliant is the third party merchant's because no sensitive card data ever touches your server or web app. Even though I very much so trust and respect the knowledge of our web developers, what they are saying is raising some serious red flags for me. The way the site is described, I am sure we will not be using a hosted payment page like PayPal or Google Checkout offers (how could we maintain control over UI if we were?) And while my knowledge of e-commerce is laughable at best, it seems like the only other option for us would be to use XML direct to communicate with our third party merchant for processing. My two questions are as follows: Based off everything you've read, is "XML Direct" the only option they could conceivably be using, or is there another method I don't know of which they could be implementing? Most importantly, is it true our site does not need PCI certification? As I understand it, using the XML direct method means that we do have to be PCI/DSS certified, and the only way around getting certified is through a payment hosted page (i.e. PayPal).

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  • Few Google Checkout Questions

    - by Richard Knop
    I am planning to integrate a Google Checkout payment system on a social networking website. The idea is that members can buy "tokens" for real money (which are sort of the website currency) and then they can buy access to some extra content on the website etc. What I want to do is create a Google Checkout button that takes a member to the checkout page where he pays with his credit or debit card. What I want is the Google Checkout to notify notify my server whether the purchase of tokens was successful (if the credit/debit card was charged) so I can update the local database. The website is coded in PHP/MySQL. I have downloaded the sample PHP code from here: code.google.com/p/google-checkout-php-sample-code/wiki/Documentation I know how to create a Google checkout button and I have also placed the responsehandlerdemo.php file on my server. This is the file the Google Checkout is supposed to send response to (of course I set the path to the file in Google merchant account). Now in the response handler file there is a switch block with several case statements. Which one means that the payment was successful and I can add tokens to the member account in the local database? switch ($root) { case "request-received": { break; } case "error": { break; } case "diagnosis": { break; } case "checkout-redirect": { break; } case "merchant-calculation-callback": { // Create the results and send it $merchant_calc = new GoogleMerchantCalculations($currency); // Loop through the list of address ids from the callback $addresses = get_arr_result($data[$root]['calculate']['addresses']['anonymous-address']); foreach($addresses as $curr_address) { $curr_id = $curr_address['id']; $country = $curr_address['country-code']['VALUE']; $city = $curr_address['city']['VALUE']; $region = $curr_address['region']['VALUE']; $postal_code = $curr_address['postal-code']['VALUE']; // Loop through each shipping method if merchant-calculated shipping // support is to be provided if(isset($data[$root]['calculate']['shipping'])) { $shipping = get_arr_result($data[$root]['calculate']['shipping']['method']); foreach($shipping as $curr_ship) { $name = $curr_ship['name']; //Compute the price for this shipping method and address id $price = 12; // Modify this to get the actual price $shippable = "true"; // Modify this as required $merchant_result = new GoogleResult($curr_id); $merchant_result->SetShippingDetails($name, $price, $shippable); if($data[$root]['calculate']['tax']['VALUE'] == "true") { //Compute tax for this address id and shipping type $amount = 15; // Modify this to the actual tax value $merchant_result->SetTaxDetails($amount); } if(isset($data[$root]['calculate']['merchant-code-strings'] ['merchant-code-string'])) { $codes = get_arr_result($data[$root]['calculate']['merchant-code-strings'] ['merchant-code-string']); foreach($codes as $curr_code) { //Update this data as required to set whether the coupon is valid, the code and the amount $coupons = new GoogleCoupons("true", $curr_code['code'], 5, "test2"); $merchant_result->AddCoupons($coupons); } } $merchant_calc->AddResult($merchant_result); } } else { $merchant_result = new GoogleResult($curr_id); if($data[$root]['calculate']['tax']['VALUE'] == "true") { //Compute tax for this address id and shipping type $amount = 15; // Modify this to the actual tax value $merchant_result->SetTaxDetails($amount); } $codes = get_arr_result($data[$root]['calculate']['merchant-code-strings'] ['merchant-code-string']); foreach($codes as $curr_code) { //Update this data as required to set whether the coupon is valid, the code and the amount $coupons = new GoogleCoupons("true", $curr_code['code'], 5, "test2"); $merchant_result->AddCoupons($coupons); } $merchant_calc->AddResult($merchant_result); } } $Gresponse->ProcessMerchantCalculations($merchant_calc); break; } case "new-order-notification": { $Gresponse->SendAck(); break; } case "order-state-change-notification": { $Gresponse->SendAck(); $new_financial_state = $data[$root]['new-financial-order-state']['VALUE']; $new_fulfillment_order = $data[$root]['new-fulfillment-order-state']['VALUE']; switch($new_financial_state) { case 'REVIEWING': { break; } case 'CHARGEABLE': { //$Grequest->SendProcessOrder($data[$root]['google-order-number']['VALUE']); //$Grequest->SendChargeOrder($data[$root]['google-order-number']['VALUE'],''); break; } case 'CHARGING': { break; } case 'CHARGED': { break; } case 'PAYMENT_DECLINED': { break; } case 'CANCELLED': { break; } case 'CANCELLED_BY_GOOGLE': { //$Grequest->SendBuyerMessage($data[$root]['google-order-number']['VALUE'], // "Sorry, your order is cancelled by Google", true); break; } default: break; } switch($new_fulfillment_order) { case 'NEW': { break; } case 'PROCESSING': { break; } case 'DELIVERED': { break; } case 'WILL_NOT_DELIVER': { break; } default: break; } break; } case "charge-amount-notification": { //$Grequest->SendDeliverOrder($data[$root]['google-order-number']['VALUE'], // <carrier>, <tracking-number>, <send-email>); //$Grequest->SendArchiveOrder($data[$root]['google-order-number']['VALUE'] ); $Gresponse->SendAck(); break; } case "chargeback-amount-notification": { $Gresponse->SendAck(); break; } case "refund-amount-notification": { $Gresponse->SendAck(); break; } case "risk-information-notification": { $Gresponse->SendAck(); break; } default: $Gresponse->SendBadRequestStatus("Invalid or not supported Message"); break; } I guess that case 'CHARGED' is the one, am I right? Second question, do I need an SSL certificate to receive response from Google Checkout? According to this I do: groups.google.com/group/google-checkout-api-php/browse_thread/thread/10ce55177281c2b0 But I don's see it mentioned anywhere in the official documentation. Thank you.

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  • handling the holding of money on a platform

    - by user1716672
    We are building a platform for a client, developed in Yii, where users can top up their account on the platform with money from paypal. Users can upload files and buy access to each others files. User can also gift other users with money. I was thinking that when users top up their account, the money goes rom their Paypal to the merchant account of the website. So all users' money goes to one merchant account. Then, any transactions on the platform are simply recorded on the platform and each users' balance is the maximum amount they can withdraw from the merchant account. Is this the right approach? Legally, are there any problems?

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  • acts_as_solr isn't updating associated models in Rails

    - by Trey Bean
    I'm using acts_as_solr for searching in a project. Unfortunately, the index doesn't seem to be updated for the associated models when a model is saved. Example: I have three models: class Merchant < ActiveRecord::Base acts_as_solr :fields => [:name, :domain, :description], :include => [:coupons, :tags] ... end class Coupon < ActiveRecord::Base acts_as_solr :fields => [:store_name, :url, :code, :description] ... end class Tag < ActiveRecord::Base acts_as_solr :fields => [:name] ... end I use the following line to perform a search: Merchant.paginate_by_solr(params[:q], :per_page => PER_PAGE, :page => [(params[:page] || 1).to_i, 1].max) For some reason though, after I add a coupon that contains the word 'shoes' in the description, a query for 'shoes' doesn't return the merchant associated with the coupon. The association all work and if I run rake solr:reindex, the search then returns the new coupon. Do I need to update the index for Merchant each time a new coupon is created? Do I have to update the index for the whole class or can I just update the associated merchant? Shouldn't this be done automatically? Thanks for any input.

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  • Solution for payment gateway with multiple sellers

    - by pvieira
    I'm looking for a payment gateway that can be used in a website with multiple sellers. Let's say that depending on the purchased item, a given seller/merchant should receive the money. Would that be possible using only one "master merchant" account that would act as a "distributor" of funds for several "sub-merchants"? Does any well established privider (paypal, worldpay, auth.net, etc) supports this?

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  • Solution for payment gateway with multiple sellers

    - by pvieira
    I'm looking for a payment gateway that can be used in a website with multiple sellers. Let's say that depending on the purchased item, a given seller/merchant should receive the money. Would that be possible using only one "master merchant" account that would act as a "distributor" of funds for several "sub-merchants"? Does any well established privider (paypal, worldpay, auth.net, etc) supports this?

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