Question about Online Credit Card Payments

1

I want to get information regarding how your companies are handling online credit card payments?

For example, are you using an API call, or maybe a JavaScript widget, or some other way I’m not aware of?

Pro’s and con’s of different methods?

Recommendations on what company to use for transactions?

Any thoughts or ideas are appreciated.

2

Hi Don, I may be able to help a bit here.
Currently I support 2 payment vendors, Repay and PayNearMe.

With Repay I use SFTP with a private and public key pair. It can be a bit of a hassle as the keys need to be on client and server side.

PayNearMe is very similar, using SFTP however there are no ssh key pairs necessary.

Neither of these run automatically. At the end of the day as part of their daily closeout process i.e. reconciling cash register, generating deposit reports etc. the client clicks a series of buttons and prompts. 3 buttons “Get Payments” - “Post Payments” - “Upload Accounts”. At each button step the user can generate a report or potentially back out of the process for whatever reason.

Hope this helps.

3

I use stripe with curl through the api, it is very simple

SendRequest ROUTINE
DATA
curl TCurlHttpClass
res CURLcode
qIndex LONG, AUTO
!respBuffer &IDynStr
respBuffer STRING(65000) !big enuff to hold received response

CODE

!respBuffer &= NewDynStr()
curl.Init()
curl.FreeHttpHeaders()    
SSLInfo:bUseSSL = TRUE
p_web.ssv('PaymentFrom','Afiliacion')

IF SSLInfo:bUseSSL          
    res = curl.SetSSLVerifyHost(SSLInfo:bVerifyHost)
    IF res <> CURLE_OK
       ! MESSAGE('SetSSLVerifyHost failed: '& curl.StrError(res), 'libcurl', ICON:Exclamation)
    END
    res = curl.SetSSLVerifyPeer(SSLInfo:bVerifyPeer)
    IF res <> CURLE_OK
        !MESSAGE('SetSSLVerifyPeer failed: '& curl.StrError(res), 'libcurl', ICON:Exclamation)
    END
    res = curl.SetSSLVersion(SSLInfo:Version)
    IF res <> CURLE_OK
       ! MESSAGE('SetSSLVersion failed: '& curl.StrError(res), 'libcurl', ICON:Exclamation)
    END
    IF SSLInfo:Certificate
        res = curl.SetCAInfo(SSLInfo:Certificate)
        IF res <> CURLE_OK
         !   MESSAGE('SetCAInfo failed: '& curl.StrError(res), 'libcurl', ICON:Exclamation)
        END
    END
END   

curl.SetCustomRequest('POST')
    !-H "Content-Type: application/json"        
    !-H "Authorization: Bearer Access-Token"
CASE p_Web.gsv('Com:PaymentEnviroment')               
OF 'sandbox'
    curl.AddHttpHeader('Authorization: Bearer '&p_web.gsv('Com:StripteSandBoxToken'))
OF 'production'
    curl.AddHttpHeader('Authorization: Bearer '&p_web.gsv('Com:StripteProductionToken'))
END   
curl.SetHttpHeaders()
   !----Create a Token --------! 
Send:Url = 'https://api.stripe.com/v1/tokens'
Send:PostParams ='card[number]='&p_web.gsv('CardNumber')&'&card[exp_month]='&p_web.GSV('ExpMonth')&'&card[exp_year]='&p_web.GSV('ExpYear')&'&card[cvc]='&p_web.GSV('Cvv')
    !----Create a Token -------!    
       
CLEAR(TokenError)
CLEAR(Token)    
res = curl.SendRequestStr(Send:Url, Send:PostParams, respBuffer)  

Loc:CantidadaPagarSend = p_web.gsv('Loc:CantidadaPagar')*100
!Loc:CantidadaPagarSend = 1*100

IF res = CURLE_OK        
    jsonStr = CLIP(respBuffer)  
    
    DO ParseJSON               
    IF Token<>'' AND TokenError=''  
        CLEAR(pJsonString)
        curl.FreeHttpHeaders()
        curl.SetCustomRequest('POST')            
        CASE p_web.gsv('Com:PaymentEnviroment')               
        OF 'sandbox'
            curl.AddHttpHeader('Authorization: Bearer '&p_web.gsv('Com:StripteSandBoxToken'))
        OF 'production'
            curl.AddHttpHeader('Authorization: Bearer '&p_web.gsv('Com:StripteProductionToken'))
        END
       
        curl.SetHttpHeaders()
        Send:Url = 'https://api.stripe.com/v1/charges'            
        Send:PostParams ='currency=usd&amount='&p_web.gsv('Loc:CantidadaPagar')*100&'&description=charge&source='&clip(Token)&'&receipt_email='&p_web.gsv('Use:EMAIL')&'&metadata[afiliacionid]='&p_web.gsv('Afi:AfiliacionId') 
        
        res = curl.SendRequestStr(Send:Url, Send:PostParams, respBuffer)                        
        IF res = CURLE_OK                
            pJsonString = CLIP(respBuffer)  
            DO ParseJSON2 
            IF TokenError<>''
                loc:alert = TokenError
                p_web.SetValue('SelectField','CardNumber')
                EXIT 
            END
            Loc:Status=1
            DO AddPayment
        END
        do Refresh::b1
        DO SendEmail 
        p_web.Script( p_web.WindowOpen( 'PaymentSucessfull' ))              
        
    ELSE            
        loc:alert = CLIP(TokenError)
        p_web.SetValue('SelectField','NameonCard')
        EXIT           
    END    
ELSIF res = -1 
    loc:alert = 'Cannot open local file Contact System Administrator'
    p_web.SetValue('SelectField','NameonCard')        
ELSE
    loc:alert = 'SendRequest failed2: '& curl.StrError(res)&' Contact System Administrator'
    p_web.SetValue('SelectField','NameonCard')        
END
4

Hi Don,

Stripe are very easy to work with (api) and offer quite competitive processing rates.

Regards,

Andy
noyantis.com