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支付接口是什么?

支付系统是一种在互联网上或通过手机应用实现支付过程的软件。它作为网站或卖家移动应用程序中的一个接口。一个得到Visa/MasterCard认可的银行成员,作为附属银行可以用信用卡处理网上业务。通常,支付系统被用于不同的支付方法,但是我们建议以用信用卡支付为例。

支付系统加密信用卡私密数据,以保证私密信息在用户、卖方和获取银行之间可靠地传输。

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Payment systems play an important role in the performance of transactions performing as well as in payment authorization between the seller and purchaser. And they can serve both as online payment methods for small business and large business.

how to choose a payment gateway

Choose your payment method online

This system performs a few tasks for transaction completion:

Encryption

A browser protects data transferred from the user to the provider's server. Then the system delivers data about the transaction of the payment process used by the acquiring bank.

Request for authorization

The system transfers data about the requested transaction to the issuing bank. After this, an authorization request is confirmed or rejected.

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Fill in order

Once the payment system receives a reply to the request, it transfers the request to the website or mobile app to process different methods of payment.

Actually, this process lasts only for a few seconds. It is not as long as its description. Apart from payment processing, payment gateway providers perform other functions as well. They perform protection against fraud by verifying the recipient's address, verification of the address of a credit card holder, geolocation identification, and verification by scanning fingerprints etc.

Those who are familiar with e-commerce can note that the main goal is not only to identify what payment platform is better but also determine other factors you should consider to understand what platform will better fit your demands. Let's check particularities of some of them.

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支付接口比较:Sstripe、PayPal、Braintree

Braintree将是我们支付途径比较列表中的第一个。

Braintree

PayPal在2013年收购了Braintree。PayPal的一个主要问题是将用户从卖家的网站重定向到PayPal服务器上,并且要求用户成为注册服务用户。这是双方不满的一个原因,因此收购Braintree解决了这个问题。

在线支付平台Braintree为开发人员提供SDK和调整后的API接口,包括六种编程语言以及关于购物篮的现成解决方案。PayPal最近推出的商务功能意味着商家可以将购买按钮集成到应用程序中,就如Pinteres或FacebookMessenger。Stripe的分享转播功能可能与此类似。Braintree也有一个支持电话功能,可为所有客户提供便利。

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Online payment processing comparison

Braintree网站: 点击几下就能支付

Braintree也不收取每月处理付款的费用,它以交易的金额加上每笔交易30美分的价格收取2.9%的佣金。 Braintree为用户提供特别优惠,交易额超过50美元才开始处理佣金。

如果你处理的金额超过每月80000美元,你可以得到折扣。

如果你通过Braintree收到PayPay的款项,你不用支付Braintree的费用,但你会得到付款。

如果您通过BitTrutoCin BaseBuy接收比特币,您在CONBASE中第一次处理的金额为100万美元是免交易费的。 在此之后,您将支付1%的佣金转换和0.15%的费用。

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Braintree在线支付网关的一些著名客户是Airbnb、Dropbox、Uber、Casper、Yelp等。

PayPal

PayPal 可以成为一个很好的替代其他集成支付系统在您的网络或移动应用程序。当然,它可以作为主要的解决方案集成,但是,由于一些用户不希望他们的信用卡数据存储在他们下订单的每个交易平台上,所以许多品牌都把它作为替代方案。PayPal是由所有平台支持的。由于PayPal对其网站进行重定向,所以不需要支付网关集成。如果您想添加PayPal Express,重定向将被跳过,Express API将提交所有需要的信息。

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braintree vs stripe vs paypal

你平板电脑上的PayPal系统

此外,没有必要支付订阅费。一笔交易的标准利率是3.4%加30美分。如果您每月收到的金额超过3美元,您将能够申请PayPal商户率,降低您的费用,当你增加销售。因此,您可以支付2.4%的标准费率取决于销售额的前一个月。这就是支付网关的工作原理。

PayP的l客户中有著名的沃尔玛、易趣网、Adobe等。

条纹

条形码中的处理支付是通过自己的服务器进行的。因此,没有必要存储机密数据,并考虑其与PCI的兼容性。条纹的系统验证自己的欺诈行为。Stupe为Java提供了六种编程语言的开发人员库,以及许多社区图书馆。

Follw the use of reuseable solutions, std component list and processes to secure productivity.

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It is worth noting that Stripe has many third-party integrations that don't require development skills, hosting or complicated adjustment from your side, like Shopify does it, for example.

But you may require a developer for the integration of this payment system into the app. Besides, if you need to add payment system into the website, there are ready-made JavaScript libraries, and also iOS and Android SDKs for mobile apps that support Apple Pay and Android Pay respectively. Stripe supports more than 100 currencies and it offers a few methods of online payment. Apart from debit and credit cards, Apple Pay, and Android Pay, Stripe support Bitcoin and Amex Express Checkout.

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online payment services comparison

Stripe payment gateway to use

There won't be redirection for customers from your website. Verification will be conducted on the computer and optimized for mobile devices. In 2015, Stripe added a Relay product that allows developers to create a Purchase button in the third-party apps like Facebook, Pinterest, and Twitter. Also, only Stripe allows users to receive payment via AliPay.

Stripe offers a standard fee to all users - 2.9% from each transaction plus 30 cents per transaction. It also provides discounts for enterprises that receive more than $80.000 per month. Also, Stripe allows users to make Bitcoin payments up to 5 bitcoins per day that equal to $625. This service also charges 0.8% from the transaction amount.

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Famous clients of Stripe are Lyft, Instacart, Postmates, KhahAcademy, and Grab etc.

Alternatives to online payment methods

In addition to these top payment gateways, some other payment platforms are available to use in your software. The difference is that Braintree, PayPal, and Stripe are much more popular. They support many types of currencies and function on almost every operating system. While other alternative platforms are orientated for European countries or provide users with services only for specific brands like Amazon Payments, for example.

WorldPay

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WorldPay is one a well-established payment system in Great Britain and it is considered to be one of the most popular online payment methods in the UK. It processes about 26 millions transactions per day. WorldPay offers open API to developers for integration and support, including detailed documentation. Having an integrated payment system, you can monitor transactions data in a real-time mode, and you can manage your orders and refund them in one click. WorldPay charges 2.75% and 20 pence per transaction. Generally, this option may seem outdated in an interface and considering the model of price formation. So we have the following tip for you: check all conditions of how this payment gateway working before you apply for this alternative.

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integrate payment gateway

WorldPay - popular payment system in the UK

Amazon Payments

This web and mobile payment gateway works similarly to PayPal, redirecting users to its service. The advantage of Amazon Payments is that users can get access to delivery options, it refers to a particularity of Amazon.com. Client database of shops in Amazon may speed up your verification process and it will lead to a larger number of conversions. Amazon charges 2.9% plus 0.30 dollars per transaction. Amazon Payments doesn't offer any contract to sign, so you can close your account whenever you want.

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online payment comparison

Amazon Pay system to get the benefits from Amazon deliveries

Adyen

The Dutch payment system Adyen is in demand in Europe and it is ranked a high position among other payment gateway solutions. It allows users to pay with the help of a reliable API for card payments processing, charging a fee for subscriptions or recommending system integration into an e-commerce network on a mobile app. Adyen also states that they have many famous clients. The pricing model of Adyen is more complicated than other payment platforms though. Processing payments start from 0.080 to 0.10 EUR. There is a payment commission at the rate of 0.48% - 0.60% considering the method of payment you choose. That is how we did an online payment systems comparison. You can choose a payment gateway that is really applicable for you in your specific case.

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internet payment platform

Adyen platform - Dutch payment system

Cleveroad's experience

The integration of payment systems is not a new experience for our company. We've integrated such payment systems like PayPal and Stripe. Moreover, the development process is not very difficult, especially when you immerse in it.

For example, in Shirt app we had to integrate two payment platforms at once - PayPal and Stripe.

payment platform providers

Shirt app has PayPal and Stripe systems integrated

In Count for business app, we only had to integrate Stripe, but payments are made via the server.

payment gateway process

Stripe gateway is integrated into Count for business app

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Stripe can assist you with any payment type - from e-commerce to issuing periodical invoices. The use of additional plugins submitted by Skype also helps automate the registration process and users' authorization, as well as create a manageable account or connect to accounts.

PayPal also has many ready-made libraries that you can easily integrate both as separate elements or a whole open source payment gateway into your website or mobile app.

Originally - PayPal Vs Stripe Vs Braintree: Online Payment Gateway Comparison

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