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developing an online payment gateway in php
Posted: Tue Jun 02, 2009 3:50 am
by ashish_kiit05
i want to develope an web application through which i can offer facility of online payment through credit card or online banking account in favour of some particular company of my client, can somebody please guide me to this . how can i achieve this goal?
i will be highly thankful for any reply
Re: developing an online payment gateway in php
Posted: Tue Jun 02, 2009 6:19 am
by onion2k
I swear this question crops up at least once a month.
If you need to ask how to do it on a public forum then you are not capable. It's a hugely complicated thing to develop both from a code perspective, a security perspective, and a business perspective. You're stumbling at the first problem.
My advice: Give up. Don't bother. Think of a different business idea.
Re: developing an online payment gateway in php
Posted: Tue Jun 02, 2009 1:00 pm
by ashish_kiit05
thanks for putting a reply on my question and many thanks for your valuable suggestions. but i can't give it up. plz guide me as far as possible what all i need to study to learn this technology , or do i need some special kind of training, i am ready go thorugh all this
thanks
Re: developing an online payment gateway in php
Posted: Tue Jun 02, 2009 1:12 pm
by onion2k
You'll need to negotiate contracts with the likes of Mastercard, VISA, AMEX, Barclaycard, JCB, etc, you'll need to design and build a secure application to interact with their services, you'll need to develop your own cryptographic key server for things like 3DSecure and VbV transactions (although you might be able to license one.. that'd cost a lot though), and that's even before you've developed a merchant API for customers to manage their transactions, anti-fraud software, user payment tools if you're doing what Paypal do, merchant tools for customers to view reports on their money and so on.
You'll certainly need some sort of banking certification from your government too. You definitely would in the UK where I'm based.
It's much too complicated for one person to do anyway, but if you're don't know what to do even before you've started you just aren't capable of doing it yet. Get more experience.
For the record, I've been building web apps for over 10 years and I wouldn't take on a job building something like this from scratch. I'm not good enough. It's years of very, very difficult work.
Re: developing an online payment gateway in php
Posted: Tue Jun 02, 2009 1:16 pm
by califdon
I understand ~onion2k's frustration, but I would put a somewhat more optimistic face on it, having gone through the process just recently. However, I do have years of experience in web programming, and it is certainly not something that a beginner should expect to be able to do without considerable programming experience. If you have a reasonably high level of skill using PHP, there is a very active and helpful community forum at
http://paypaldeveloper.com/pdn/ for using PayPal (subsidiary of eBay) and there are other providers, such as Google Checkout. You will get much better support at these specialized forums than here in a generic developer's forum. I am only familiar with PayPal, but they do have a wide spectrum of development approaches, some of which are quite easy to implement, if they meet your needs. But again, whenever you are dealing with business and money management, it is absolutely imperative that you understand what you are doing. This is not an area where hobby-level skills can get you by. If you lack the necessary skills/experience, your only option is to hire someone to develop your web site for you.
Re: developing an online payment gateway in php
Posted: Tue Jun 02, 2009 1:20 pm
by califdon
I just read ~onion2k's second reply and then re-read the original post, and I guess I misinterpreted the original question. If you are really asking about establishing your own online payment operation, in parallel with PayPal and others, I completely support what ~onion2k said. I thought you were merely asking how to let your customers make online payments to you.
Re: developing an online payment gateway in php
Posted: Tue Jun 02, 2009 2:16 pm
by mikemike
It reads in favour of califdon's original post in my opinion. In either case he needs to be very careful what he's doing.
Re: developing an online payment gateway in php
Posted: Tue Jun 02, 2009 9:19 pm
by ashish_kiit05
hi guys thankyor very much for those helping words because this value me a lot.
i am from india where very few of the government departments are online, so there can be thousands of things to develope in e commerce and governance. before this i was developing some social portal of my own and i did it named
http://www.boloindiabolo.com . now my elder brother says that my work is worth less if i can't make some system for general public, and challenge me to go for some challenging task. so i have decided to make a system for the water supply dept of our state. i am about to finish the demo for biling and other things, the main and last module is to develop a system of payment where i can enable customers to let them pay directly through their internet banking account and also from paypal and e-gold or by credit card.
plz guys this forum is my only hope in this direction so guide me for this.
thanks
Re: developing an online payment gateway in php
Posted: Wed Jun 03, 2009 2:54 am
by onion2k
Right. So you need to USE an online payment gateway, not DEVELOP one. In which case you need to find out which gateway(s) are certified for use by your government and read the documentation for whichever one you chose. They're all different.
Re: developing an online payment gateway in php
Posted: Wed Jun 03, 2009 10:50 am
by ashish_kiit05
thanks i will try to integrate an online payment gateway before i go start developing my own gateway
thanks again