C# ASP.NET Web 应用程序的付款方式
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Payment methods for an ASP.NET Web Application
提问by Armen Khachatryan
I want to add payment methods to my site, such as MasterCard or Payoneer. I don't know where to start, can someone give me an entry point? Is there an API for this?
我想向我的网站添加付款方式，例如 MasterCard 或 Payoneer。我不知道从哪里开始，有人可以给我一个切入点吗？有没有这方面的 API？
回答by Bhaskar
You would need to buy a paid payment gateway like:
您需要购买付费支付网关，例如：
You can also use free services like https://www.paypal.com.
您还可以使用https://www.paypal.com等免费服务 。
Also see http://en.wikipedia.org/wiki/Payment_gatewayfor further information related to payment gateways.
另请参阅http://en.wikipedia.org/wiki/Payment_gateway，了解与支付网关相关的更多信息。
回答by Donut
Content paraphrased from here, please visit to read full content and a list of third-party options.
内容从此处转述，请访问以阅读完整内容和第三方选项列表。
There are basically two ways for your website to accept credit cards:
您的网站接受信用卡基本上有两种方式：
- Use your own merchant account
- Through a third party merchant
- 使用您自己的商家帐户
- 通过第三方商家
Some issues to consider
需要考虑的一些问题
(merchant account vs. third party merchant)
Setup Fee
Initial cost of opening a merchant account is usually higher than using a third party (some of which have no fee at all).
（商户账户与第三方商户）
设置费用
开立商户账户的初始成本通常高于使用第三方（其中一些根本不收费）。
Transaction Fee
Much higher for using a third party as compared to using your own merchant account.
Convenience
Third party merchants are convenient when you don't know if you can actually make much out of your product or service. Additionally, the merchant takes care of everything for you. You can spend your time concentrating on your products, services and customers.
Having a merchant account accords your business with a certain amount of professionalism. However you have to be careful to minimize your credit card risks since you'll be processing the credit card payments yourself. This is not to say that there are no risks attendant in using a third party merchant.
与使用您自己的商家帐户相比，使用第三方的交易费用要高得多。
便利
当您不知道自己是否真的可以从您的产品或服务中获利时，第三方商家会很方便。此外，商家会为您处理一切。您可以花时间专注于您的产品、服务和客户。
拥有商家帐户可以使您的业务具有一定的专业性。但是，您必须小心谨慎，以尽量减少信用卡风险，因为您将自己处理信用卡付款。这并不是说使用第三方商家没有风险。
回答by ConsultUtah
There are lots of different ways, but here are the basic two:
有很多不同的方法，但这里是基本的两种：
- Add PayPal, Google Check-Out, or Amazon Payment Servicesto your site - you usually just add a little HTML and you're good to go
- Integrate with a payment gateway like Authorize.netand others. In .NET, the easiest way to integrate with Authorize.NET is with SharpAuthorize.
- 将PayPal、Google Check-Out或Amazon Payment Services 添加到您的网站 - 您通常只需添加一些 HTML 就可以了
- 与Authorize.net等支付网关集成。在 .NET 中，与 Authorize.NET 集成的最简单方法是使用SharpAuthorize。
The real difference between these is the amount of control you need. If you need everything hosted at your site and do not want to pass anyone over to another site for check-out, then #2 is your only option. Otherwise, #1 is the easiest way to go...
这些之间的真正区别在于您需要的控制量。如果您需要在您的站点上托管所有内容，并且不想将任何人转移到另一个站点进行结帐，那么 #2 是您唯一的选择。否则，#1 是最简单的方法......
回答by Nirlep
You can use payment gateway from CyberSource, Cardinal Commerece, PayPal
您可以使用CyberSource、 Cardinal Commerece、 PayPal 的支付网关
回答by Jaimal Chohan
Firstly, you need an Internet Merchant Account from your bank, this is where any money you take via card payments will end up. Now, each bank offers a variety of Merchant Accounts, aimed at different sized businesses and different risk levels, some will takexpercentage of your revenue, some will take a flat fee, others will take a mixture of both.
首先，您需要从您的银行获得一个互联网商家帐户，这是您通过卡支付收取的任何款项的最终用途。现在，每家银行都提供多种商户账户，针对不同规模的企业和不同的风险水平，有些会收取x您收入的百分比，有些会收取固定费用，有些则会两者兼而有之。
Once you have a Merchant Account, you need a system to take credit card payments, AKA a Payment Gateway. There are again a number of these, just Google Payment Gateway (Authorize.Net and SecPay are 2 examples of these). Again Payment Gateways will take a percentage of any money that you process through them, some charge flat fees, some charge a percentage, others are a mix of both. Generally, there is a different charge for Credit Cards and Debit Cards.
拥有商家帐户后，您需要一个系统来进行信用卡支付，也就是支付网关。还有很多这样的，只是谷歌支付网关（Authorize.Net 和 SecPay 是其中的两个例子）。同样，支付网关将收取您通过它们处理的任何款项的一定比例，有些收取固定费用，有些收取一定比例，有些则两者兼而有之。一般来说，信用卡和借记卡的收费不同。
The Payment Gateway will take all your Merchant Account details and set everything up so that, money processed through them ends up in your Merchant Account. However, you still need to have a form for customers to fill in and submit with their card details.
支付网关将获取您的所有商家帐户详细信息并设置所有内容，以便通过它们处理的资金最终进入您的商家帐户。但是，您仍然需要有一个表格供客户填写并提交他们的卡详细信息。
Integration of the payment gateway to your site,and there are 3 methods that are generally available:
将支付网关集成到您的站点，通常有 3 种方法可用：
- You redirect your customers to the payment gateway, usually, you've had to call a web service beforehand to tell the payment gateway how much you want to charge the customer, what items, delivery charge, tax etc. When the customer arrives at the payment gateway, it's all covered with the payment gateway providers logo and details, so that the customer knows that they're paying via a reputable service.
- Same as above, however you pay extra to the Payment Gateway provider so that you can customize the look of the payment forms (aka White Labeling).
- The Payment Gateway provider supplies you with a web service API and you provide all the credit card payment forms, calling the API when required. You'll also need an SSL certificate for this.
- 您将客户重定向到支付网关，通常，您必须事先调用 Web 服务，告诉支付网关您要向客户收取多少费用、哪些项目、运费、税金等。当客户到达支付网关，所有这些都包含支付网关提供商的徽标和详细信息，以便客户知道他们正在通过信誉良好的服务付款。
- 与上述相同，但是您需要向支付网关提供商支付额外费用，以便您可以自定义支付表单的外观（又名白标）。
- 支付网关提供商为您提供一个 Web 服务 API，您提供所有信用卡支付表单，并在需要时调用该 API。为此，您还需要一个 SSL 证书。
This is great if you're taking a few thousand-a-week and want to provide your customers with a seamless payment journey. However, this can be costly if it's only a few hundred-a-week that you are taking. There are also PCI (related to risk and fraud) and chargeback issues to consider.
如果您每周支付几千美元并希望为您的客户提供无缝的付款旅程，这非常棒。但是，如果您每周只服用几百次，这可能会很昂贵。还有 PCI（与风险和欺诈相关）和退款问题需要考虑。
Paypalcan make it quicker for you to start trading online as you don't need an Internet Merchant Account from your bank. All the rest still applies tho.
Paypal可以让您更快地开始在线交易，因为您不需要银行的 Internet 商家帐户。其余的仍然适用。
回答by JBrooks
I just did this search and for me it came down to PayPal or Authorize.NET. If you are a member of Costco you can use Elavonwhich uses Authorize.NET. Whichever way you go, check out NopCommercean open source e-commerce solution that contains a lot of ASP.Net/C# code to deal with Paypal, Authorize.NET, etc.
我刚刚做了这个搜索，对我来说它归结为 PayPal 或 Authorize.NET。如果您是 Costco 的会员，您可以使用使用 Authorize.NET 的Elavon。无论您采用哪种方式，请查看NopCommerce一个开源电子商务解决方案，其中包含大量 ASP.Net/C# 代码来处理 Paypal、Authorize.NET 等。
回答by Rob
If you've no idea how to get started and don't have an existing merchant account, then you might consider going for someone like Paypoint.net(they're UK based, but I've no doubt there are US and other worldwide equivalents) who will set up the whole whack for you.
如果您不知道如何开始并且没有现有的商家帐户，那么您可以考虑选择Paypoint.net 之类的网站（它们位于英国，但我毫不怀疑有美国和其他世界等价物）谁将为您设置整个重击。
回答by gsharp
Have a look at IPN.NET
看看IPN.NET
Infralution IPN.NET provides a complete ASP.NET solution for automating your purchasing and product licensing system using PayPal's Instant Payment Notification (IPN) mechanism.
IPN.NET can be used in conjunction with the Infralution Licensing System for a complete licensing and purchasing solution or you can integrate your own licensing system into IPN.NET. We supply full source code for the IPN.NET Server so that you can customize it to your own needs.
IPN.NET includes a sophisticated IPN Test Tool (see below) that allows you to fully test and debug your IPN Server on your local development machine. This tool alone is worth the purchase price.
Infralution IPN.NET 提供了一个完整的 ASP.NET 解决方案，用于使用 PayPal 的即时付款通知 (IPN) 机制自动化您的购买和产品许可系统。
IPN.NET 可以与 Infralution Licensing System 结合使用以获得完整的许可和购买解决方案，或者您可以将自己的许可系统集成到 IPN.NET 中。我们为 IPN.NET 服务器提供完整的源代码，以便您可以根据自己的需要对其进行自定义。
IPN.NET 包括一个复杂的 IPN 测试工具（见下文），允许您在本地开发机器上全面测试和调试您的 IPN 服务器。仅此工具就值得购买。
