This is the use case below:
There are multiple users in a group -> Each user will need to transfer the money to the person organising the event -> The organiser will then use that money (either by having each user transferring the amount directly to the organisers actual bank account / the organiser collecting all the money and adding it to their actual bank account) -> Organiser will use the money in their account to pay for a venue external to the application.
I have looked at Stripe connect but it is too complicated. The customer will have to fill in details as if they are a business. I am looking for something that allows a customer to just fill in a few details such as address/name/bank account details.
And the transfer is either instant or takes upto 1/2 days.
Also bare in mind that apple pay has to also be used in order for Apple to accept my app
I have looked at Stripe connect but it is too complicated. The customer will have to fill in details as if they are a business. I am looking for something that allows a customer to just fill in a few details such as address/name/bank account details.
Related
So I am building an app with react-native (expo) where a user fixes appointment with some other person and to do so, he has pay the other person.
Now how can I handle payments here. What i want is the user makes the payment and the receiver should be the other person but how much i understood the payment gateways, the payment is received by the app owner or in simple words, receiver is a single person.
I also tried deep linking to directly take the user to some UPI app like google pay or paytm but it seems that those apps require some special type of account (merchant account) to make the transaction if we access them using deep links (which is a problem as it is not necessary that every user will have a merchant account).
As I said, it is always better that you have your own payment gateway account, and all the transaction goes through your gateway, meaning you get the money and you build a system which will forward the payment to the receiver. I have worked on 2 such apps:
1: Where we have our own razorpay account, and we get the payment first, and then we forward it.
2: Where in we were directly having transaction between 2 users, but not through app, instead we display them the account details of the receiver and give them 48hrs time to pay that account. But we had to manually handle this scenario since one cannot know if the user has paid to the said account, since it's not your account.
3: There is one more method where in payment gateway has a webhook which consists of a virtual account number, and every user that lands on your app, you can create a virtual account number for him/her and store the user-virtual account number relationship in your db, whenever there is a payment, you can find out about the user through this virtual account number. Read about this.
The deep link is a good idea, but again, as you mentioned, it will require the end user to be a merchant user(have a merchant account), you can find more details here
Maybe you can ask your users to create a merchant account, which again I am not sure if it's possible, and if it's possible, if it's feasible?
The best way according to me is, you handle this through your payment gateway, and instantly forward it to the user who should have received it. Again there are some rules and clause to it(some commission is taken by those payment gateway,etc), check those things out.
I think the most close answer to my question is to use razorpay routes where we can link multiple accounts with our account and transfer money accordingly.
More details here
I would like to access the list of PayPal Giving Fund charities so that a user of my site/app could eventually donate via credit card or PayPal.
I have looked into other APIs, like Just Giving, Orghunter, Charity Navigator, all in which don't have a large variety of charities.
If you've ever visited the site https://www.humblebundle.com the idea is very similar to this. To give you an idea, it'd go something like this:
I select charities for the user to donate to for a certain category (environment, animals, etc), save to db to retrieve specific charities later
User sees charities to divide their donation using sliders. They have the possibility to swap out charities if don't like selection
User enters amount and enters their credit card or paypal account
I make the connection to PayPal API to make donation
User then gets a receipt or something like a tax receipt
I guess the questions I'm asking are:
Is there access to a list of Giving Fund charities via an API
Is it possible to donate to charities from the Giving Fund list via the API
Would this API be available to an Australian PayPal account
If there is no API for Giving Fund, is it possible to retrieve a list of charities to do this via another route in PayPal
Will there be any restrictions on the Apple and Android stores if this was an app
Thank you so much for your time!
Have you checked out www.pandapay.io ?
To answer your questions:
Is there access to a list of Giving Fund charities via an API
PandaPay has a database of every 501c3 in America, check out Pandasearch: panda-search.s3-website-us-east-1.amazonaws.com
Is it possible to donate to charities from the Giving Fund list via the API
Yes, check out www.pandapay.io/docs
Would this API be available to an Australian PayPal account
PandaPay currently only works for USD, and payments to US-based charities. That being said, most international charities have a US branch to access the American charity market (largest in the world, by far)
If there is no API for Giving Fund, is it possible to retrieve a list of charities to do this via another route in PayPal
Is PayPal really a necessary factor for your use case?
Will there be any restrictions on the Apple and Android stores if this was an app
PandaPay is closely modeled on Stripe's API, and thus iOS and Android SDKs can easily be written for easy usage in mobile applications.
PandaPay API: https://www.pandapay.io/api-reference
Stripe Example: https://stripe.github.io/stripe-ios/docs/index.html
OrgHunter can authenticate more 501(c)(3)s (affirmative or revoked) including a large number of those with affirmative determination by virtue of the fact that they are subordinates of "Group Exemptions".
In addition, the OrgHunter database includes the most robust set of charity data attributes.
Access to the dataset/platform is by API or WordPrss, Drupal, Concrete 5 plug-ins. In addition, there are .NET and standard PHP implementations.
Comparing Just Giving, Orghunter, Charity Navigator, and PayPal Giving Fund is like comparing apples to oranges to bananas to kiwis.
Just Giving focuses on tools and systems for charities, corporate programs, and campaigns on an international basis, although they did just "acquire" the assets of "JustGiving.org" as a way to expand their footprint in the United States. OrgHunter is a platform supplier inclusive of data, donation processing and compliance, upon which tech philanthropists build software and web apps connecting and routing diversity of donors to diversity of charities. Charity Navigator focuses on ratings. And finally, the PayPal Giving Fund serves PayPal customers by enabling them to make donations to a charity of choice with the following two requirements/caveats. 1. A charity MUST ENROLL in the PPGG to receive donations from the PPGF, AND 2. to receive grants, the charity MUST ALSO create a PAYPAL ACCOUNT into which the PPGF will deposit donations. Unless the policy has changed within the last two months, the PPGF will ONLY deposit grants into a PAYPAL account, otherwise the donated funds are distributed elsewhere. This is in part why the PPGF is now dealing with a class action lawsuit that asserts that PPGF was engaging in deceptive practices.
A couple of comments about your idea, particularly as it is reflected on https://www.humblebundle.com.
In all circumstances, the moment someone starts doing any sort of fundraising online, they are subject to the various fundraising and solicitation regulations of the 50 states, because "online" by definition crosses state and international borders. The IRS may determine if a charity is a legit charity, but the states govern and regulate the conduct of fundraising and solicitation.
People cannot solicit for a charity or use charity brands or trademarks without explicit permission. That means that if you want to feature, promote and fundraise for a particular subset of charities, you will need to get the charities to opt-in or buy-in to your process or program. There are companies that do this, however it is a daunting, full time job.
An alternative to enrolling and managing charities is to give users/customers the opportunity to designate a charity of choice, and thereafter "route" their contribution through a 501(c)(3) "Donor Advised Fund" to the destination charity. That is what the alliance of OrgHunter and Make My Donation do. They integrate the most dependable charity database with donation processing and regulatory compliance into a cohesive platform that is easy for software and web app developers to build into their applications that are used to support all sorts of good causes.
I am using Yodlee to get the transactional history and summary of accounts for my clients to do some predictive maths on their debt levels.
Is it possible to get the interest rate for a credit card account? Looking in the data model here there are references to APR and interest paid to date.
However using Testdrive These fields are not being returned using: getItemSummaryForItem1 or getContentServiceInfo1.
The banks I am using are ANZ (NZ) and ASB (NZ) I would like to know if these sites do not support credit card interest rates, if they do please let me know what api calls I need to make to retrieve them.
As a data field interest rate(APR) is supported, but it also depends upon the bank whether they provides it or not. If you are existing Yodlee customer, you can send a request to Yodlee Support team to get your doubts clarified. BTW, the API should be used- getItemSummariesForSite or getItemSummaryForItem1( if you are looking for further details, pass correct Data Extents, while making request).
I am working on one app. In this app to buy some non digital items i have to give access to users to do transactions using credit card / debit card. I have seen some apps in app store which accepts credit card / debit card . Those apps are Pay Anywhere , Rev COIN.
1) Can we know which third party API's they are using. 2)While using these apps do we need any card reader(another device) to swipe the card.
As well how to get those API's. Can any one help me please. This plays majority role in my app. Any suggestions please.
Doing some transactions with ZOOZ are ok . But coming to my app i have one requirement. i.e user can send order for one item and user can say expiry time(i.e in how many days product has to be delivered) at the time of offering an item payment will be done. before delivering the product user can cancel the order. whenever the order is cancelled some amount has to be deducted and remaining has to be refunded.
For example user sending request for pepsi which is worth of 10$ and expiry time is 3days payment will be done immediately. Next day he may want to cancel the order in such a case user 2$ will be deducted and remaining 8$ has to be credited back to user account. Can we do any these type of transactions using some API's.
Zooz is one way that you can do in-app payments. It's supposed to be easy. That kind of model would be for you using an app as a kind of online "store" like amazon.
If you're talking about using an iOS device to record transactions (using a single unit as a cash-register system) then you would need a card swipe add-on unless you want the customer to input all of their credit information when they pay.
Or, as jgervin pointed out you could use card.io to let the users take a picture of their credit card. The company charges you per-scan however.
Important note: Apple will reject your app from the app-store. See the linked questions.
Pay for a physical product with in-app purchase
Has anyone implemented the PayPal API through a native iPhone app?
Which PayPal iPhone SDK should I use?
So hopefully you're planning to deploy with airwatch or something similar.
I'm not sure this is the right place to ask but anyway:
I have an e-commerce platform that I want to monetize based on a percentage of revenue made (eg. a store that uses my platform has an order for $100, so I get 1% or $1, while they get $99).
Currently I offer paypal and credit card payments (via my merchant bank) to all stores on the platform (ie. all payments made, regardless of the store, are through the same paypal and merchant account). I then pay these stores per month which is ok for the moment because there are only a few stores using the platform.
Moving forward I want to automate this process and ideally have it operate in real time.
Paypal have an "Adaptive Payments" API that allows chained or parallel payments on a single transaction processed in real time. This means I can skim my 1% and pass the rest of the money along my customer in real time.
I was wondering if there is a similar real-time service for Credit Card processing*? If not, is there a bank/merchant that allow API payment access so I can automate payments per day or week? OR should I just transfer all money from my bank to paypal and use this to pay my customers?
*I realise you can process credit card payments through Paypal without having to sign up, but this is less than ideal. I want the credit card processing to happen on my page as at the moment I'm seeing about 70% of orders using this over paypal.
I was wondering if there is a similar real-time service for Credit Card processing?
No there isn't. True merchant accounts do not allow for split payments. Only one entity can receive a payment and it must be the business the merchant account has been set up for. Receiving the payment for someone else is called factoring and is against all of the major credit card issuers' rules. If a merchant account is found to be factoring it will be closed and the merchant who owns the account will be blacklist. This will prevent them from ever having a true merchant account again. Additionally, there is no way to send money with a merchant account other then issuing a refund for prior purchases.
If not, is there a bank/merchant that allow API payment access so I can automate payments per day or week? OR should I just transfer all money from my bank to paypal and use this to pay my customers?
Other then using adaptive payments, this is definitely the easiest and most straight forward way to accomplish this.