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About Payments
You need to add a payment option to your website. This page should serve as a beginners guide to understanding what you need to know about online payments, from a SilverStripe developers perspective.
Questions to answer:
- How do you get paid to your bank account?
- What does it cost?
- What features are available?
- How do I ensure security? What are the various risks?
- Can I make test payments? How do I do that?
- How do I write my own payment provider connection?
- How can I set the provider custom options myself, do I have any control?
- What is the purpose of the payment module?
A merchant is the owner of a website, they have likely employed you as the developer to introduce payment option(s) to their site. In some cases the developer may also be considered the merchant. The other party involved is the end-user, or customer.
Payment providers are organizations that have established relationships with credit card companies, and banks to receive payment information and use credit card authorization to transfer funds from the user to the merchant.
In rare cases, a website could take payments using offline methods, or methods that are disconnected from the site. For example: credit card over the phone, mailed cheque, or a bank funds wire/transfer directly to the merchant's account.
If you use a merchant-hosted solution, you must install an SSL certificate to protect the submission of credit card details to merchant website. If this is not done, credit card information can be easily leaked.
Weigh up your options, or provide multiple. See Choosing a Payment Provider below.
As part of set up with a payment provider, the merchant may need to involve their bank. Some payment providers hold funds themselves, and allow withdrawing to an account of your choice.
A bank may require having a certain type of 'merchant' account, which can mean additional fees. They may also need to check that the website meets their criteria before approval.
There are a few factors to weigh up: cost, features, availability.
See our payment providers list or Write your own