Hi I''m about to setup an online shop that will require payment processing. I want to know what success people on this ruby forum have had with payment processing sites/options? what software do you use and how is it done? Does it require something extra special? i.e. special hosting that supports SSL? Thanks Chris -- Posted via http://www.ruby-forum.com/. --~--~---------~--~----~------------~-------~--~----~ You received this message because you are subscribed to the Google Groups "Ruby on Rails: Talk" group. To post to this group, send email to rubyonrails-talk-/JYPxA39Uh5TLH3MbocFFw@public.gmane.org To unsubscribe from this group, send email to rubyonrails-talk-unsubscribe-/JYPxA39Uh5TLH3MbocFFw@public.gmane.org For more options, visit this group at http://groups.google.com/group/rubyonrails-talk -~----------~----~----~----~------~----~------~--~---
Chris wrote:> Hi > I''m about to setup an online shop that will require payment processing. > > I want to know what success people on this ruby forum have had with > payment processing sites/options? what software do you use and how is it > done? Does it require something extra special? i.e. special hosting > that supports SSL? > > Thanks > > ChrisI''ve used the paypal plugin quite successfullly. Image-wise, its arguably not quite as professional as having your own shopping cart however its quick and easy to setup, they have a sandbox for testing against and it works. The payment pages on paypal are SSL''d already so you don''t actully need to have any SSL yourself. No specific hosting requirements either. The only downsides I can see are image and fees. I think paypal charge around 4%. I don''t know how this compares. Personally speaking, I like paying for things with paypal as I don''t have to keep entering my address and credit card details on every site I visit. I''m not sure if others share that view... hth... --john http://www.webtestlive.com -- Posted via http://www.ruby-forum.com/. --~--~---------~--~----~------------~-------~--~----~ You received this message because you are subscribed to the Google Groups "Ruby on Rails: Talk" group. To post to this group, send email to rubyonrails-talk-/JYPxA39Uh5TLH3MbocFFw@public.gmane.org To unsubscribe from this group, send email to rubyonrails-talk-unsubscribe-/JYPxA39Uh5TLH3MbocFFw@public.gmane.org For more options, visit this group at http://groups.google.com/group/rubyonrails-talk -~----------~----~----~----~------~----~------~--~---
Benjamin Curtis
2006-Aug-24 12:37 UTC
[Rails] Re: What are people using for payment processing?
I have used TrustCommerce (http://www.trustcommerce.com/) and have been happy with them. They have a Ruby API that you compile and use to send the CC info from your app to their processing servers. Yes, you will want an SSL certificate for your web server so that the CC info is encrypted from the customer to you. -- Building an e-commerce site with Rails? http://www.agilewebdevelopment.com/rails-ecommerce On Aug 24, 2006, at 1:46 AM, Chris wrote:> > Hi > I''m about to setup an online shop that will require payment > processing. > > I want to know what success people on this ruby forum have had with > payment processing sites/options? what software do you use and how > is it > done? Does it require something extra special? i.e. special hosting > that supports SSL? > > Thanks > > Chris > > -- > Posted via http://www.ruby-forum.com/. > > >--~--~---------~--~----~------------~-------~--~----~ You received this message because you are subscribed to the Google Groups "Ruby on Rails: Talk" group. To post to this group, send email to rubyonrails-talk-/JYPxA39Uh5TLH3MbocFFw@public.gmane.org To unsubscribe from this group, send email to rubyonrails-talk-unsubscribe-/JYPxA39Uh5TLH3MbocFFw@public.gmane.org For more options, visit this group at http://groups.google.com/group/rubyonrails-talk -~----------~----~----~----~------~----~------~--~---
Thanks for the response> Yes, you will want an SSL certificate for your web server so that the > CC info is encrypted from the customer to you.How do you get an SSL certificate? is it a simple process? Do the hosting providers have to get involved? Thanks Chris -- Posted via http://www.ruby-forum.com/. --~--~---------~--~----~------------~-------~--~----~ You received this message because you are subscribed to the Google Groups "Ruby on Rails: Talk" group. To post to this group, send email to rubyonrails-talk-/JYPxA39Uh5TLH3MbocFFw@public.gmane.org To unsubscribe from this group, send email to rubyonrails-talk-unsubscribe-/JYPxA39Uh5TLH3MbocFFw@public.gmane.org For more options, visit this group at http://groups.google.com/group/rubyonrails-talk -~----------~----~----~----~------~----~------~--~---
Cayce Balara
2006-Aug-24 13:27 UTC
[Rails] Re: What are people using for payment processing?
It depends a lot on what you are after, and it boils down to a tradeoff among parameters of cost, image and convenience. As noted above, a paypal solution is easy to implement, but has a higher cost and potentially some image issues. I''d give paypal a C for cost, a C for image and an A for convenience. If you want to be able to process credit cards directly, you will need a merchant account with a processor, and an account with a processing gateway like Authorize.net or many others. There is a higher cost to set all this up, but in general a lower ongoing cost per transaction - prolly like <= 2% + .15-.20 for the processor and .10 for the gateway. Within credit card processing, there are also several options, depending on your gateway. You may choose to write your own shopping cart and submit the data to the gateway via its published API. In this situation, you have some coding to do, after you read the API specs from the gateway, of course, and yes you will need an SSL certificate. Don''t let that scare you, they are relatively inexpensive ($100 - $200 for something suitable to light commerce) and easy to install, and in all likelihood your hosting provider will be able to take care of it for you and just bill you. I''d give this an A or a B on cost, depending on how good a deal you can get on setup fees, an A for image, and a C for convenience. Many gateways also provide a much simpler interface to processing whereby when it''s time to pay you just redirect your customers to a hosted checkout process on the gateway''s servers. You set up your account so that once the payment side of the transaction is complete, they redirect back to your site. There are also a ton of intermediate payment processors out there that provide similar services. In this method you would not need the SSL cert, as all the data transmissions happen between the customer and the gateway''s servers. I''d give this method a B on cost, B on image and B+ on convenience. There is a ruby "payment" module out there on ruby forge that works with authorize.net. I have not used it, I chose instead to write my own for the general experience - though I''m usually not a big fan of "reinventing the wheel" in this case I really wanted to get an insider''s view to how it all works. It has not been altogether difficult - Ruby and RoR sure make life easy - though I have concerns about how well I am handling error processing, as I am a long-time developer but relatively new to Ruby and Rails. Anyway - I''m in the middle of all this and wanted to throw what I know out there - hope this helps a bit. c. Chris wrote:> Hi > I''m about to setup an online shop that will require payment processing. > > I want to know what success people on this ruby forum have had with > payment processing sites/options? what software do you use and how is it > done? Does it require something extra special? i.e. special hosting > that supports SSL? > > Thanks > > Chris-- Posted via http://www.ruby-forum.com/. --~--~---------~--~----~------------~-------~--~----~ You received this message because you are subscribed to the Google Groups "Ruby on Rails: Talk" group. To post to this group, send email to rubyonrails-talk-/JYPxA39Uh5TLH3MbocFFw@public.gmane.org To unsubscribe from this group, send email to rubyonrails-talk-unsubscribe-/JYPxA39Uh5TLH3MbocFFw@public.gmane.org For more options, visit this group at http://groups.google.com/group/rubyonrails-talk -~----------~----~----~----~------~----~------~--~---
Paul Lynch
2006-Aug-24 16:14 UTC
[Rails] Re: What are people using for payment processing?
On 24 Aug 2006, at 14:27, Cayce Balara wrote:> If you want to be able to process credit cards directly, you will > need a > merchant account with a processor, and an account with a processing > gateway like Authorize.net or many others. There is a higher cost > to set > all this up, but in general a lower ongoing cost per transaction - > prolly like <= 2% + .15-.20 for the processor and .10 for the gateway. > ... > There is a ruby "payment" module out there on ruby forge that works > with > authorize.net. I have not used it, I chose instead to write my own for > the general experience - though I''m usually not a big fan of > "reinventing the wheel" in this case I really wanted to get an > insider''s > view to how it all works. It has not been altogether difficult - Ruby > and RoR sure make life easy - though I have concerns about how well > I am > handling error processing, as I am a long-time developer but > relatively > new to Ruby and Rails.I have used Authorize.net and similar providers in Europe several times, and the RYO approach is pretty simple, enough so that I''d recommend it over a separate solution unless you have well tested that solution and your needs are sufficiently complex. The caveat is that I have only done this with WebObjects, not Rails, but I don''t anticipate any problems in a Rails implementation. Paul --~--~---------~--~----~------------~-------~--~----~ You received this message because you are subscribed to the Google Groups "Ruby on Rails: Talk" group. To post to this group, send email to rubyonrails-talk-/JYPxA39Uh5TLH3MbocFFw@public.gmane.org To unsubscribe from this group, send email to rubyonrails-talk-unsubscribe-/JYPxA39Uh5TLH3MbocFFw@public.gmane.org For more options, visit this group at http://groups.google.com/group/rubyonrails-talk -~----------~----~----~----~------~----~------~--~---
I suggest that you do some searching - this has been covered countless times. Sounds like you need to do some other base research though if you''re not aware of how payment processing works or even the basic requirements. There is a pretty stringent security requirement depending on how you implement it. Make sure you understand the implications of your design on the security side of things or you''ll eventually get hacked and then everyone will be very, very sad. On your last question, I wouldn''t EVER consider allowing a user to submit credit card data on a non SSL connection. Your communication with the payment gateway does need to be encrypted also but that''s a gateway specific thing. Good luck.> From: Chris <rails-mailing-list-ARtvInVfO7ksV2N9l4h3zg@public.gmane.org> > Reply-To: <rubyonrails-talk-/JYPxA39Uh5TLH3MbocFFw@public.gmane.org> > Date: Thu, 24 Aug 2006 10:46:31 +0200 > To: <rubyonrails-talk-/JYPxA39Uh5TLH3MbocFFw@public.gmane.org> > Subject: [Rails] What are people using for payment processing? > > > Hi > I''m about to setup an online shop that will require payment processing. > > I want to know what success people on this ruby forum have had with > payment processing sites/options? what software do you use and how is it > done? Does it require something extra special? i.e. special hosting > that supports SSL? > > Thanks > > Chris > > -- > Posted via http://www.ruby-forum.com/. > > >--~--~---------~--~----~------------~-------~--~----~ You received this message because you are subscribed to the Google Groups "Ruby on Rails: Talk" group. To post to this group, send email to rubyonrails-talk-/JYPxA39Uh5TLH3MbocFFw@public.gmane.org To unsubscribe from this group, send email to rubyonrails-talk-unsubscribe-/JYPxA39Uh5TLH3MbocFFw@public.gmane.org For more options, visit this group at http://groups.google.com/group/rubyonrails-talk -~----------~----~----~----~------~----~------~--~---
Based on your questions I strongly suggest that you look for a book on e-commerce or something that will explain the basic concepts of how these things are generally put together. It sounds like this isn''t something you''ve done before and there are a lot of parts you need to get right.> From: Chris <rails-mailing-list-ARtvInVfO7ksV2N9l4h3zg@public.gmane.org> > Reply-To: <rubyonrails-talk-/JYPxA39Uh5TLH3MbocFFw@public.gmane.org> > Date: Thu, 24 Aug 2006 15:06:12 +0200 > To: <rubyonrails-talk-/JYPxA39Uh5TLH3MbocFFw@public.gmane.org> > Subject: [Rails] Re: What are people using for payment processing? > > > > Thanks for the response >> Yes, you will want an SSL certificate for your web server so that the >> CC info is encrypted from the customer to you. > > How do you get an SSL certificate? is it a simple process? Do the > hosting providers have to get involved? > > Thanks > > Chris > > -- > Posted via http://www.ruby-forum.com/. > > >--~--~---------~--~----~------------~-------~--~----~ You received this message because you are subscribed to the Google Groups "Ruby on Rails: Talk" group. To post to this group, send email to rubyonrails-talk-/JYPxA39Uh5TLH3MbocFFw@public.gmane.org To unsubscribe from this group, send email to rubyonrails-talk-unsubscribe-/JYPxA39Uh5TLH3MbocFFw@public.gmane.org For more options, visit this group at http://groups.google.com/group/rubyonrails-talk -~----------~----~----~----~------~----~------~--~---
I''ve used Authorize.net and Verisgn''s Payflow Pro both with Rails. Authorize.net is easier to use but Verisign works. I''m probably going to use TrustCommerce on my next project.> From: Paul Lynch <paul-UPn11tc4QPr10XsdtD+oqA@public.gmane.org> > Reply-To: <rubyonrails-talk-/JYPxA39Uh5TLH3MbocFFw@public.gmane.org> > Date: Thu, 24 Aug 2006 17:14:59 +0100 > To: <rubyonrails-talk-/JYPxA39Uh5TLH3MbocFFw@public.gmane.org> > Subject: [Rails] Re: What are people using for payment processing? > > > > On 24 Aug 2006, at 14:27, Cayce Balara wrote: > >> If you want to be able to process credit cards directly, you will >> need a >> merchant account with a processor, and an account with a processing >> gateway like Authorize.net or many others. There is a higher cost >> to set >> all this up, but in general a lower ongoing cost per transaction - >> prolly like <= 2% + .15-.20 for the processor and .10 for the gateway. >> ... >> There is a ruby "payment" module out there on ruby forge that works >> with >> authorize.net. I have not used it, I chose instead to write my own for >> the general experience - though I''m usually not a big fan of >> "reinventing the wheel" in this case I really wanted to get an >> insider''s >> view to how it all works. It has not been altogether difficult - Ruby >> and RoR sure make life easy - though I have concerns about how well >> I am >> handling error processing, as I am a long-time developer but >> relatively >> new to Ruby and Rails. > > I have used Authorize.net and similar providers in Europe several > times, and the RYO approach is pretty simple, enough so that I''d > recommend it over a separate solution unless you have well tested > that solution and your needs are sufficiently complex. The caveat is > that I have only done this with WebObjects, not Rails, but I don''t > anticipate any problems in a Rails implementation. > > Paul > > >--~--~---------~--~----~------------~-------~--~----~ You received this message because you are subscribed to the Google Groups "Ruby on Rails: Talk" group. To post to this group, send email to rubyonrails-talk-/JYPxA39Uh5TLH3MbocFFw@public.gmane.org To unsubscribe from this group, send email to rubyonrails-talk-unsubscribe-/JYPxA39Uh5TLH3MbocFFw@public.gmane.org For more options, visit this group at http://groups.google.com/group/rubyonrails-talk -~----------~----~----~----~------~----~------~--~---
> How do you get an SSL certificate? is it a simple process? Do the > hosting providers have to get involved?Godaddy has great rates for ssl certs, under $20.00. The certificate can be generated using openssl. Installing it requires administrative access to the webserver. Some hosting companies let you do it yourself, some don''t, just depends how they have things setup. --~--~---------~--~----~------------~-------~--~----~ You received this message because you are subscribed to the Google Groups "Ruby on Rails: Talk" group. To post to this group, send email to rubyonrails-talk-/JYPxA39Uh5TLH3MbocFFw@public.gmane.org To unsubscribe from this group, send email to rubyonrails-talk-unsubscribe-/JYPxA39Uh5TLH3MbocFFw@public.gmane.org For more options, visit this group at http://groups.google.com/group/rubyonrails-talk -~----------~----~----~----~------~----~------~--~---
jeanpierre-Re5JQEeQqe8AvxtiuMwx3w@public.gmane.org
2006-Aug-24 19:19 UTC
[Rails] Re: What are people using for payment processing?
On 8/24/06, HH <lists-HAWAbpnI61OZ1JSuHaJ1sQC/G2K4zDHf@public.gmane.org> wrote:> > Based on your questions I strongly suggest that you look for a book on > e-commerce or something that will explain the basic concepts of how these > things are generally put together.benjamin curtis'' book, The Money Train could be a good start: <http://www.agilewebdevelopment.com/book> cheers, jean-pierre --~--~---------~--~----~------------~-------~--~----~ You received this message because you are subscribed to the Google Groups "Ruby on Rails: Talk" group. To post to this group, send email to rubyonrails-talk-/JYPxA39Uh5TLH3MbocFFw@public.gmane.org To unsubscribe from this group, send email to rubyonrails-talk-unsubscribe-/JYPxA39Uh5TLH3MbocFFw@public.gmane.org For more options, visit this group at http://groups.google.com/group/rubyonrails-talk -~----------~----~----~----~------~----~------~--~---
subimage interactive
2006-Aug-24 19:43 UTC
[Rails] Re: What are people using for payment processing?
Substruct, the first and only released Rails open source shopping cart (sorry had to plug it :) - http://dev.subimage.com/projects/substruct) uses the Payment gem, which hooks into Authorize.net. Although I''ve been looking for better alternatives that support things like recurring billing. Might just add that myself, who knows. Regards.... --~--~---------~--~----~------------~-------~--~----~ You received this message because you are subscribed to the Google Groups "Ruby on Rails: Talk" group. To post to this group, send email to rubyonrails-talk-/JYPxA39Uh5TLH3MbocFFw@public.gmane.org To unsubscribe from this group, send email to rubyonrails-talk-unsubscribe-/JYPxA39Uh5TLH3MbocFFw@public.gmane.org For more options, visit this group at http://groups.google.com/group/rubyonrails-talk -~----------~----~----~----~------~----~------~--~---
Clayton Cottingham
2006-Aug-24 20:14 UTC
[Rails] Re: What are people using for payment processing?
Im just implementing an active merchant processor Im probably going to write a processor for payment too As long as you have good documentation from the processor or a perl Business::Online Payment processor module, It should be fairly easy to make your own. Payment is essentially the same as perl''s Business::OnlinePayment it seems active merchant doesn''t support cheques , at least there is no support yet I would like to see this all DRY''d up , that is active merchant using payment and all the code that is I personally seem to see too many plugins ,engines , regular ruby libraries and whatever that all do the same thing _____ From: rubyonrails-talk-/JYPxA39Uh5TLH3MbocFFw@public.gmane.org [mailto:rubyonrails-talk-/JYPxA39Uh5TLH3MbocFFw@public.gmane.org] On Behalf Of subimage interactive Sent: Thursday, August 24, 2006 12:44 PM To: rubyonrails-talk-/JYPxA39Uh5TLH3MbocFFw@public.gmane.org Subject: [Rails] Re: What are people using for payment processing? Substruct, the first and only released Rails open source shopping cart (sorry had to plug it :) - http://dev.subimage.com/projects/substruct) uses the Payment gem, which hooks into Authorize.net. Although I''ve been looking for better alternatives that support things like recurring billing. Might just add that myself, who knows. Regards.... --~--~---------~--~----~------------~-------~--~----~ You received this message because you are subscribed to the Google Groups "Ruby on Rails: Talk" group. To post to this group, send email to rubyonrails-talk-/JYPxA39Uh5TLH3MbocFFw@public.gmane.org To unsubscribe from this group, send email to rubyonrails-talk-unsubscribe-/JYPxA39Uh5TLH3MbocFFw@public.gmane.org For more options, visit this group at http://groups.google.com/group/rubyonrails-talk -~----------~----~----~----~------~----~------~--~---