I'm designing a site using ASP.NET and I would like the content to be subscription based. For the most part, everything will be charged to a credit card every month. I know I can store the CC in the database but is there another more secure solution to this?
This isn't a giant project so I need some solution that's simple, quick, secure, and reliable that one developer can do.
Most likely it depends on your payment gateway and/or merchant account setup. Some payment gateways like Authorize.net will handle the recurring billing for you.
Use a payment processor that will handle credit card recurring charges. Most big processors will do this for you, and store the credit card information.
-Adam
Is it an option to NOT store the credit card data?
See this if you need some encouragement:
PCI DSS Compliance
If you store credit card information then you must be PCI compliant. Some payment gateways like Authroize.net will handle recurring billing for you but will only charge the credit card and that is it. If a credit card fails after that due to expiration you will never know, your customer will never know and you will lose that customer.
There are services out there that will charge your customer's credit card every month, automate the process if a credit card fails, automate emails to your customers, take care of the PCI compliance so you dont have to deal with it and more. One of these services is Chargify. That way you dont have to store CC information and your customers will be billed correctly.
Related
I want to add 'pay with ethereum' feature to my website and i know in ethereum we have a HD wallet which gives us some account, but i don't know for something like payment should i generate new account each time for a new invoice? and then transfer ether into main account?
is smart contract involve in this solution or not.
I'm using dotnet core (c#) , ganache as test-chain and nethereum.
There are three ways to create a payment gateway on Ethereum
HD wallet as you described - not different approach from Bitcoin days
A single forwarded smart contract that separates the customers by their reference number in a Data field of the transaction. Note that the data field is automatically filled by MetaMask and such wallets, so the users will never see this. Note that if people are not using a proper wallet like MetaMask or Trust mobile, but try to make a payment from centralised exchange, this approach would reject their payments.
Example: https://github.com/TokenMarketNet/smart-contracts/blob/master/contracts/PaymentForwarder.sol
A master smart contract that deploys a new payment forwarder smart contract to each customer address making a payment. In this case, addresses are made deterministic by CREATE2 EVM opcode. Coinbase uses this approach as it makes the payment processing non-custodial and Conbase itself cannot steal the money from merchants. Any fees can be baked in the smart contract.
https://blog.coinbase.com/usdc-payment-processing-in-coinbase-commerce-b1af1c82fb0
You don't need new account per invoice, you just need to maintain one account. There are two ways to do this according to me:
You can make your smart contract or use some open source token transfer contract to allow transfer of token from the sender to your account.
You can use some existing crypto currency based payment gateway like b2binpay https://b2binpay.com/
Let me know if this was helpful.
I need to integrate virtual coins into my xamarin forms application. User can like to buy them, so and exchange back to real money. Please tell me how can I implement it? What payment system to use for depositing and withdrawing money?
This is very broad question you are asking. However seems like you are very new to Stack overflow. You should follow the guidelines. You should ask very specific question, and should post whatsoever you have done. Any exceptions you get or anything that is helpful resolving the issue. Again, creating the virtual coins is huge topic however I will try to make it simple:
Create the backend and implement the coin services
Coin services like Buy Coin, Withdraw coin to bank
You should create the Merchant account to be able to do Credit/Debit card transaction to buy your coins from your customers using the app.
You can signup for BrainTree, Square etc. They will give you the sandbox to implement.
Here's the use case detail to understand how it works:
Lets say; When a user goto your app and say Buy 1000 coins,
That request goes to your Webservices
Your webservice will Talk to your merchant server then return the Token to your app to go further.
Your app receives the token then your app will use the Payment nonce which you should submit back to your webservice
With the payment nonce your backend will Create the sale transaction to your merchant server.
Your backend will update current users Coin - say it will add 1000 to the last value.
Your app will return Success/failure to your app at the end and your app can proceed based on that response.
Hope this gives you some idea how it works. I hope you are not asking for any crypto currency implementation as "Virtual currency".
If you want to learn about BrainTree, Read more here in Braintree documentation https://developers.braintreepayments.com/
Atleast it will give you the idea how it works.
I am using paypal payment Gateway with credit card only. According to Paypal Document, if we create a payment it means (create a new payment and also process the same). In both of the below cases create payment works successfully.
On creating payment with Master or Visa credit cards my funds doesnot appear in my sandbox account.
But when i use Discover credit card my funds raise on same sandbox account.
I also have gone through execute payment method but in documentations it says execute payment methods works only when payment is from paypal account and not credit card.
And also is it possible that this problem doesnot appear on paypal main account and only happens to be with sandbox account. Please correct me if i am wrong.
Thanks in advance.
I was also stucked in the same problem. But didn't got any appropriate solution.
What i can say is wait for some time to raise funds from Master and Visa cards.
You can check the Paypal doc for your query.
I tested using their test cards and works well for me. Let me know if still you are facing issue ?
We have one application that sell online account as service and we have work flow as per blow requirement.
With user registration charge $10 instant and set recurring from next month
If user add addons then user will charged extra $1 instant and update recurring with $1 extra (so $11)
Same as unlimited addons with extra charges.
What methods is perfect with Paypal.
I know it's really easy with Authorized.Net CIM & Recurring method. I am looking for something similar in Paypal.
For many time instant charge I think I need to create customer account with store credit card in Paypal but I don't want to create customer's Paypal account. Might be that customer have already account than my application will give me error and also there are many other problems too like user can remove credit card any time from account that I don't want.
I show there are so many different methods available in Paypal but did not get it which one is perfect for requirement.
I want to do everything on my website and don't want to use any express checkout method on Paypal side and I am working with Asp.Net with C#.Net
Thanks in advance.
The Recurring Payments API is what you want. Specifically, Express Checkout would be for PayPal payments and Payments Pro (DoDirectPayment / PayFlow) would be for direct credit card processing without a PayPal account.
Does anyone know a way to facilitate payment between two parties via our website similar to how eBay facilitates payments between sellers and buyers, with buyers using their credit cards to make the purchases? We built a solution around PayPal, but now PayPal is telling us that we cannot use it because that is against the credit card association rules.
Here's what they wrote:
Per our Acceptable Use Policy, under credit card association rules, PayPal
cannot permit the use of the PayPal service as a funding method for payment
processors to collect payments on behalf of merchants.
I would be greatful for any leads. As a start-up, third-party payment aggregation services are very cost-prohibitive.
I think you need to set yourself up as an escrow service between the buyers and sellers. Rentacoder.com does something like this: http://www.rentacoder.com/RentACoder/DotNet/SoftwareBuyers/SoftwareBuyerFAQ.aspx#SafeProjectEscrow
If you are looking to move away from paypal and not be an escrow service yourself, look at escrow.com and its competitors to just use an escrow service.