I am creating a laravel project where I am using omnipay. I have never used omnipay before but what I know is that one can transfer money between two accounts (e.g. PayPal). However, my question is, is it possible to transfer money between two accounts of a different provider. For example: The customer is paying with PayPal but I want that money transfered directly to my Stripe acocunt. Is that even possible?
No, that's not supported. There would need to be an external account of some sort as an intermediary.
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I've already been in discussion with many many different payment providers and I'm getting tired of endless meetings and discussions, which in the end end up that the support or their sales department was hiding a flaw in their system / confirmed one of the features below that is actually not possible; and you have to look for another provider, reprogram the entire integration with a new provider, etc.
So I wanted to ask here; does anyone here know ANY payment service provider which is compatible with a PHP + MariaDB backend, and with mobile apps as well (via Rest API calls) that have all of the following features:
Secure.
Register a Credit Card for a customer via a custom form submission; ideally send data to payment service provider via js, receive an according token from them, and store that token within your DB. Like this, your own server does not have to be PCI compliant.
Every time a customer X clicks a specific button on your website, after authenticating the request on your backend, use your token to trigger an according payment within your backend (with secured public key authentication, etc.)
Every single payment the customer X realizes has to be only authorized first ( = validate card + verify that clients has the funds, + freeze them on the card), and captured after the customer X received the booked service, days later.
The authorize and capture mechanisms must work for every single payment with the obtained payment.
refunds of captured transactions must be possible.
The KYC procedure of service providers who receive payouts has to be possible for individuals, not only for companies (believe it or not, some providers only provide company profile possibilities for payouts..)
The Service provider must ideally be internationally active, i.e. with low currency switch fees.
Split Payments must be possible (e.g. marketplace - style, customer pays fee for service to company, company takes off commission and forwards rest to service provider)
Not sure how the PHP + Maria DB has anything to do with your inquiry.
You are calling a RESTfull API, call it with any technology you want.
Most of Your requirements are pretty straightforward and can be answered by many providers.
The challenging part on your question is more on the international market place part. Which mostly depends on the KYC you mentioned, and highly depends on the country the merchant is in and type of goods you sell.
KYC for market place sellers, payout methods to sellers and so forth are heavily regulated and might be complex in multi country mode.
In your search I would explore this topic in depth.
I need to integrate stripe payment below use-case
I have two customers, customer one wants to send the money to customer two, how we can achieve this ??.
I have one idea when customer one send money to customer two means, we can move money owner of the stripe getway, then we will move money owner account to customer t
I'm using PHP SDK
There's no way to do this with Stripe Customers, but you can ~do it with Stripe Connect.
That said, I'd recommend you write into Support first and make sure they can support your use case: https://support.stripe.com/contact/email
Is there anyway to do the following using the Paypal APIs in PHP? I can't seem to find exactly what I need.
We are a merchant - we have several businesses who list their goods on our website.
Customers will need to pay for these goods using a credit/debit card. We don't want to force Paypal use/registration - in fact, we don't really want the customer to interact with Paypal at all.
We'd like to create a payment form where they enter their credit card details - we would then use the API to pay this directly to the business' Paypal account using their email address.
Using the REST API I've been able to do this to an extent - the only problem with this is that it doesn't seem dynamic i.e. I can't set the Payee email address to receive the payment - it's linked to my account via the ClientID and ClientSecret. Obviously this is not what I need - I want to pay into the account of the owner of the goods, not mine.
I've seen 'Guest Payments' mentioned but that seems to require the user being redirected to Paypal - something I'd rather avoid.
Thanks in advance.
I don't think the REST API is quite ready for what you're doing. The Classic API will handle it with no problem, though.
If you don't want any interaction with PayPal at all then you'll need to use Payments Pro, which allows you to tie credit card payments directly into your own forms via HTTP request/response with PayPal (no redirect or iframe).
Each business would need to be signed up with their own Payments Pro account, and then they would Grant API Permissions through their PayPal account profile for your app to make API calls on their behalf. Once they've done that, you just pass their email address or PayPal merchant ID into the SUBJECT parameter of API requests and it will use their account accordingly even though you're still using your own API credentials.
The Permissions API allows you to automate this and tie the grant permissions step directly into your app so business owners can do that quickly and easily from within their profile or during signup with your site. This works with auth tokens, though, as opposed to email addresses and merchant ID's.
I am working on an API that can be used between my server and my iOS app. I have an SQL database that contains an Accounts table which includes a column called BALANCE.
People can make a real money deposit to my website through PayPal or I will be allowing them to send money orders. The problem is, when the PayPal SDK checks to make sure it was a legitimate deposit, then it credits that users account balance. When I receive the money order, I credit their balance via my website.
Each time the balance is credited, a call to my API happens. The thing is, I can do this over and over without actually getting PayPal deposits or money order deposits.
See, the users will transfer balances between each others accounts. So I don't need any help with making sure deposits were legit, I got that already. Right now a simple API call will transfer one balance amount over to another account without proof that the call was for a legitimate reason. I don't want to be able to have people somehow tap into the API and credit their own balance somehow. It needs to be where people can't just alter it.
So what can I put in place so that people cannot just tap into my API and credit their balance without actually sending money? Since this is real money, I am putting a lot of time into security.
You could authenticate with OAuth, which is what the majority of web service API's are using these days.
This tutorial may be of interest to you.
I have a website where I need to reward users for their involvement by paying money into their paypal account. I have a paypal business account, and would like to know if it is possible to put money into their account automatically from just having their paypal account email address.
I am developing my website using php. Ideally, I would like to have a script on my server that when executed transfers money from my business account into their paypal account.
I am new to paypal, and having looked around I am getting confused as to all of the different APIs that are in use! MassPay keeps coming up but if possible I would rather I didnt have to pay the 2% charge on each payment - is there any other options?
The payments are not for goods or services and so could be classed as a personal transfer, would this eliminate any fees?
So my questions are:
1) Is this possible?
2) Which API is most suitable?
Thanks
Yes, it's possible but you're going to end up paying a transaction fee. I would recommend you do a batch process (that is, do one large payment request scheduled at a certain time of day) through PayPal's Mass Payment API.
You can read more about this API and how to use it here.
The way PayPal stays in business is by collecting these transaction fees. If it didn't collect them, it wouldn't be nearly as successful.
If you're looking at having more options on the transaction, including some ways to try and shift around who pays the fee, you may want to look at Adaptive Payments.
The best way is to generate a paypal button in the following URL:
https://www.paypal.com/us/cgi-bin/?cmd=_donate-intro-outside
and place it at your page... You'll still have to pay some fee (although it's a low one)