I\'m planing to build a site where users can buy products from local business, w
ID: 660611 • Letter: I
Question
I'm planing to build a site where users can buy products from local business, what I'm looking for is a payment API where the user pays for the product and the payment goes to the business's account, I've been searching but all I see are services to accept payment for your own shop/service. What I need is to redirect the payment to the business offering the product.
Requirements:
Payment is handled by the service, not too much security responsibility for me.
As parameters, I just send both bank accounts, amount, currency.
The service must redirect the payment to the business account offering the product, not to my account.
It should work for credit and debit cards, and for acounts outside of the U.S (specialy Mexico and latin america).
Explanation / Answer
Regarding your requirements:
That is what a payment provider does, it stores all payment data for you, so you do not have to worry about PCI Standards and other Security Issues.
The API works just as you suggested. You can send account data, security keys, subject to Stripe and they will do the clearing for you.
I worked with other solutions like Saferpay, which is a drag. You cannot do without security keys, which you have to import in your JVM and whatnot. Moreover, their API is far from standards based.
Talking about responses, it is clear that the API will respond to you with the result of the transaction.