I am looking for the solution on authorize.net payment distribution.
Eg: there is 3 person and site admin (A,B,C & site admin)
A want to send money to C using the site.
now the money A is sending is automatically going to divide in some part...
Amount 1 -> site owner will charge some % as commission on the amount(lets say 2%).
Amount 2 -> B will get some money (lets say $100) (for some extra service which is predefined)
Amount 3 -> we also required to less the charges of Transaction fee which paypal or authorize.net etc will charge.
Amount 4 -> is the amount which C will receive in last.
Also A can pay using any account (CR. card, DR. card, Paypal, authorize.net etc) type (but the process will use Authorize.net for transaction)
And C & B get the money.
Que :
How can i do this using authorize.net ?
Also Do we required to have B's & C's account account on Authorize or they can get money on any account type(like paypal, authorize etc).?
And how can i get the changes details and deduct it from the actual amount.?
You can't do this with Authorize.Net. Currently your only real solution is to use Paypal Adaptive Payments which is designed for this very scenario.
Using PHP in response to your answer, you could potentially do it IF they had an authorize.net account as well. The PHP API requires the api key for the merchant the money is going to. Think of Authorize.net as a middle man between the customer and your bank account, not like Paypal which holds on to money in it's own bank account system. Since that is the case, I am almost positive you can't transfer money between accounts or pay someone using your Authorize.net API.
If you had their Authorize.net API, it would show up as 2 separate charges on their card of different amounts, which would probably not be good as the client would think that they are being charged twice. Overall I don't think that would be a smart move.
If you wanted to, you could use a Paypal account that is also tied to that same bank account, and then possibly use Paypal's API after the charge goes through to divvy up the payment.
Ultimately, I personally think the best way to go about it is one single charge to the customer, and then figuring out a way to cut a check or send a payment to the other parties involved. Multiple small charges and 1 big charge are sure going to look suspicious.
Anyone else that has any experience, feel free to correct me if I am wrong.
Related
I'm building a website in PHP where users place bids on items. Once bidding has ended, a payment needs to be paid from the winning bidder to the listing owner. But, as the website owner, I also want to take a small percentage - say 5%.
So the process would be the winning bidder pays £100 to the listing owner, and I take 5% as that transaction takes place.
What's the best way of doing this?
I've read about PayPal MassPay, but I'm not sure whether it's what I need or not.
I'm in the UK too, not US - if that effects anything.
You can use Stripe Connect to do this if you're in the UK. You would ask your users to connect their Stripe account to your Connect Application first. You would get some data back, especially a publishable_key and an access_token which you would store on your end.
The you would use those this way:
On the front-end along with Stripe.js or Stripe Checkout you need to use the publishable_key you got from the connected user when going through the Connect flow. You should not use your API key.
Once you get a card token you send it to your server where you will create a charge. There, you should not set your API key but you should pass the access_token of the connected user as a second parameter to the Create Charge API. You can see some example code in the documentation showing how to collect fees.
This would automatically deposit the funds in the connected user's Stripe account minus the Stripe fee and the application_fee you chose. The fee would need to be a specific amount and not a percentage but you can calculate this on your end when creating the charge.
Based on your question, the solution would be as following:
Seller adds a listing on your website.
Bidding starts.
Buyer bids and win. E.g. for $10
Buyer pays using PayPal to your website, where money goes to your account (website owner).
You cut 5% of it, ($0.50) and do a Payout to seller's PayPal account of $9.50.
Optionally/Generally, website owners hold the money till the end of the month, and pay the seller the final amount, (if he is selling more than one thing, or he is a big merchant.)
However, the flow should help you setup a website based on your preferences. Many websites like eBay, Free lancing, apply the similar flow.
As a PayPal Employee, I would recommend using PayPal PHP SDK for developing. All the instructions are provided here and here
I've puzzled by this question for quite a while, but never had the need for it. Now I do.
What I currently need is a Credit Card payment option for my website that does not rely on services such as Paypal. I want something like Name.com or Hostmonster.com have. You simply enter you credit card number, expiration date and the three little numbers at the back of the card. How can I achieve the same effect on my website?
I'll be programming the website in PHP.
Answers would be appreciated.
You need to signup to a payment gateway. It's a service that allows you to process credit card payments. I know you don't want to use PayPAL to accept payments, but PayPAL offer two solutions:
PayPAL Payments - That is the button and people pay through PayPAL
PayPAL Payments Pro (Payment Gateway). That is when you use PHP or anything else to connect to PayPAL with the credit card information. The customer never knows you used PayPAL, and they never leave your site.
When choosing a payment gateway these are the four most important things you should consider:
How easy is it to implement (PayPAL has a lot of documentation)
How much is the monthly fee.
How much do they charge per transaction.
How much do they charge to setup an account.
There are other options, and one of the most common is Authorize.net, but the is more setting up and a larger deposit to open an account.
Most accounts will require a background and credit check.
Well, you'll still need to rely on a Merchant Services company for card processing. There are many companies that boast an API that can then be accessed with PHP. One that I have recently learned of is Stripe. However, there are many competitors and you can research other companies further, but companies like Stripe will allow you to generate payments programmatically without having to leave your site to visit the black-box that is PayPal.
I am working on a site providing software as a service which is billed on a monthly basis.
The software is licensed on a per-user basis and will be extensible via optional standard modules and custom apps that can be subscribed to through an app store.
The customer can alter the number of users, subscribe or unsubscribe modules and apps every month.
Users, modules and apps should be billed along with the base software, thus the billing amount may greatly vary from month to month.
The goal is to minimize PayPal requests for approval and let customers specify an amount that is above the base subscription price so that minor purchases do not require approval by anyone with access to the company's PayPal account (unless the customer limits the amount to the original subscription price).
Which PayPal APIs would you recommend in this scenario ?
As I understood it, UpdateRecurringPaymentsProfile does not allow the amount to be increased by more than 20% within 180 days without explicit approval by the buyer, so it probably would not work if we try to first request e.g. $200, then bill only $100 and later increase back to e.g. $150, right ?
The Adaptive Payments API seems to require the seller to bill rather than have PayPal do it on a regular basis, is this correct ?
I don't know it's help full or not right now, As it is a very old post.
Instead of creating recurring profile on PayPal Server, You can store the customer's credit card on the PayPal using REST API: https://developer.paypal.com/docs/api/#vault then every month you can fetch it and charge it like recurring Payment, Also you no need to worry about how many time customer upgrade the subscription you can manage it on your server end, Or When client is no longer with the services then just remove its card from PayPal.
I suppose Authorize.net SIM method also does the same.
Hope this make sense.
I need a payment gateway for my php application.I am running a software consultancy and employees are from different parts of the world. I have build an application manage invoices and pay money to them. I need this to be integrated with a payment gateway.
My organization is in USA.
I checked with some payment gateways, but they need seller account for each employee.That is not possible.
My direct requirement is the cash must be transferred from my card/bank account to my employee's bank account . I want to pay through net banking,credit/debit cards,wired transfers,etc.
Please help!!
Thank you
If your requirements are such that the employees need to invoice you first before they get paid, I don't know how you can get around the seller account requirement.
However, if all you're trying to do is simply pay your employees, and manage their invoices through a separate system, something like PayPal could work -- I think really any payment gateway could work if you could push your requirements to the point that you simply pay your employees (one process) and handle client invoices through a second process.
Last time I checked, Paypal lets you transfer to family and friends without their percentage charge, which you could possibly bend to meet your employee payment requirement, if you can offload the invoicing piece to a separate system.
First, you don't tell us enough information about your requirements: do you need support for physical goods ? if so - who's doing the fulfillment ? you can't charge a credit-card until the package was sent which makes things more complicate than most people are aware of.
Second, what you're referring to is called the re-seller model. This model is problematic since all the major credit-card companies in the US recently came up with a new requirement: a merchant that processes more than 100K a year should open his own merchant account! (that's part of PCI compliancy required from the processors).
If all you need is to pay your employees, and being able to do so globally, there's a cool company that does just that called Tiplati.
Disclosure:I work for one of the major payment processing solutions called Bluesnap
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)