I am using Balance payment system to pay using credit cards in apps.
When user pay using credit cards in balance payments i get card.uri
If user want to use same credit card in future without enter card info can i use user.uri for that?
Means can i use same credit card for payment without enter credit card info again.
any one have a solutions?
Thanks in advance.
I solved my issue. See below code:
buyer = Balanced::Account.find(account_uri)
card = buyer.cards[0]
debit = buyer.debit(amount_in_sent, "MARKETPLACE.COM", :source_uri => card.uri)
Hope this help someone.
I have no idea what payment system you're using but from what you're writing it sounds like user.uri is a link that you can use when the same user is going to pay again. It's not that all payment data is stored but maybe some of it. Sometimes when a payment provider is "storing" your payment data you still have to re-enter the code on the back of the card because they don't store everything. So maybe user.uri is a user specific link to a page where the user only has to enter those digits. If this is the case then you need to store this user.uri for each and every user because each and every user will have their own unique user.uri. Don't mix them up because then you'll have a security problem.
I hope it gave you some clarity in how it might work.
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'm setting up a WooCommerce website and I'm testing PayPal payments. I've tried the numbers on here: https://www.paypalobjects.com/en_US/vhelp/paypalmanager_help/credit_card_numbers.htm
I'm trying to test payment with a credit card without having a PayPal account, but doing it through PayPal's system.
Problem is, the list only includes card numbers, but the payment requires a CVV, correct address/location/country etc. and phone number. I've tried putting in random information for the rest but it throws and error, saying that its invalid.
Thankyou for any help in advance.
We use Yodlee API to get the bank code 2483 BMO Financial Group (Canada) Bank.
The issue is that we are missing the card number field for authentication.
We have this issue only with BMO Group.
Can you please check this issue at the earliest and let us know what needs to be done.
Thank you
I was able to get the card number field for authentication for BMO using Yodlee's SDK.
Below is the list of fields which Yodlee's SDK returns for bank code 2483
1)Enter BMO Debit Card(this is the field where you need to enter the debit card number)
2)Enter BMO Credit Card(16 digit) (this is the field where you need to enter the credit card details)
3)Password
You can pass either of the 1st two fields to Yodlee.
Please try once using the Yodlee's sampleApp and if you are still seeing the issue, please raise a service request using Yodlee customer care(YCC) tool. And please mention your cobrandID, SOAP URL which you are using and we will look into it.
I was wondering If I could charge a "security deposit" using PayPal ?
On my site, user can pay for an item (service). But I have no idea, how to charge a security deposit, because it is NOT guaranteed that user will pay using his PayPal account - That way I could simply use MassPay API to refund the deposit back to the user (payer_email).
But, PayPal allows to pay even without creating an account. Although, user has to specify his email address, I'm not sure that sending back money to this email address would put the money on related credit/debit card.
Is there some API for doing this ? Because charging price for the item + security deposit doesn't feel right for me.
I know that, for example, airbnb.com has some similair functionality for that one, but I don't know how it works
I would be very grateful if someone helped me with that one.
Thank you!
It sounds like your primary issue is that users can checkout without a PayPal account. If that's the case, this can easily be solved by disabling the "PayPal Account Optional" feature in your PayPal profile under Website Payment Preferences. This will causes users to either sign in to PayPal or create an account to pay.
If you'd rather leave that option enabled there are plenty of ways to handle security deposits and returning money, each with their own advantages and disadvantages. I won't get into all those details yet, though, if simply disabling that option solves your issue.
Let me know if you want more info on the other options.
I am developing a website that will allow customers to pay with credit cards. I live in Uruguay, so I can't apply for a normal merchant account like Authorize.net, Braintree, etc. So I can't use the functionality they have to store credit cards to make recurring charges.
Anyone known a credit card processor/gateway that offers this functionality that allows to store credit card info and access them (Not seeing the credit card info, just a token or an ID) via an API to charge them and that accept NON-US companies? I know 2checkout but they don't have recurring payments functionality :(
I have Googled for days without luck, and maybe someone have a good tip.
Thank you very much for your time!
All the best,
Andres Montalban
Well, you could use the paypal API, and instead of storing the users credit card, store their paypal ID, then just bill the paypal account with the API. Their paypal account will let them enter a credit card to back their transactions.
See here:
https://cms.paypal.com/us/cgi-bin/?cmd=_render-content&content_ID=developer/e_howto_api_ECRecurringPayments