Add payment functionality to an application

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I need to add facility to accept payments from users in my application. I need to know about two scenarios:
1) accept payment from just a single bank in my application
2) accept payment from multiple banks in application

What I have tried:

What will be the approach or architecture to follow to achieve this.

Posted 8-Mar-19 6:20am

TechieeGeek

Updated 8-Mar-19 7:20am

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Richard MacCutchan 8-Mar-19 12:38pm

You need to sign up to a payment processing service, such as PayPal.

k5054 8-Mar-19 13:00pm

If you're processing payments you probably need to be aware of PCI compliance and GDPR compliance. Ideally, you'll pass as much processing as you can off to a payment processing service, as Richard suggested. The big thing is to make sure that payment account details (card/account numbers, PIN numbers, etc), are not stored in plain text anywhere --- and preferably not stored at all, even if you encrypt the data. Just pass all that detail off to the payment processor, and have the app forget it as quickly as possible.

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MadMyche · Accepted Answer · 2019-03-08T07:20:00

If you think about it, it really isn't too hard to put together.

1. Customer places item in cart
2. Customer begins check-out with order total of ?100.00
3. Customer makes partial payment of ?25
4. Customer new total is ?75
5. Customer makes second payment for that balance due

In all reality you could just keep taking partial payments until the balance due was zero. Just keep in mind that every one of these partial payments is going to cost you money in transaction fees and percentage of sales.

Now for the particulars...
You don't get money from the bank. You request money from a payment gateway, who acts as a liaison between your application and the payment process, who's job it is to talk to the customers bank and put money into your merchant account.

Particular implementation is going to depend on the features of your gateway. Most should support "split" payments now, and if card#1 can only afford a portion they should tell you that also.

But before you get to this point, you will need to be well-versed in securing the data you collect, knowing what you cannot retain, and privacy.