I'm trying to figure out if I can use Google Checkout for peer-to-peer payments. It seems fairly straightforward to set it up between a vendor and customers, but I'm not sure if it works well (or at all) for p2p.
Can I use Google Checkout to do peer to peer payments?
Currently, the answer is no.
See this article.
"Google Checkout cannot be used as a person to person money transfer service at this time."
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I'm new with using payment processors, I'm building a platform with Laravel to facilitate business between clients and manufacturers. First client pay for the job to be done and when the job is done we pay the manufacturers.
I'm using Stripe to charge clients and it works fine. However I'm stuck with the process of paying the manufacturers. because Stripe is not clear on how to do that.
please if you have a solution with or without stripe I'll be very grateful
It sounds like Stripe Connect is what you're looking for. In this scenario, the client would be the platform account and the manufacturers would be the Connect accounts. Since you want the payment to the manufacturer to occur both after the job is done and after you pay the the client, you could use Separate Charges and Transfers.
I am using the Plaid API for iOS to write a program which accesses banks accounts after authentication and displays the transaction data.
I need to know if it's possible to transfer funds between accounts (checking to savings) and how.
I know acorns uses the same API, and they are able to transfer funds, and Plaid's site claims "Authorize ACH payments in seconds based on the information users know in their heads. No need to know account or routing number. No need for micro-deposits."
But is there documentation on how to move money on the site?
Plaid does not move money via their API.
UPDATES
Dwolla now provides a white-label solution that basically does this all for you. Combine Plaid and Dwolla, and you're basically golden for payments in the US now.
Disclaimer: I co-founded a company that is a customer of Dwolla and one of their first white label customers.
Original content
Moving money with the credentials that Plaid provides requires using the Automated Clearing House (ACH) process in the US.
What won't work
Ripple Labs (currently under federal investigation), Dwolla, BitPay, etc. all require proprietary authentication with their own platforms before they will move money. You can't use them with the routing and account number that you get from Plaid. You have to adopt their entire system...or nothing.
What will work
Plaid's API provides more for you than those other APIs because you have the routing and account number. This allows you to directly enter into the ACH system yourself. All you need to move money is the senders routing and account number, the receiver's routing and account number, and the amount. Plaid gives you 2/5 of this already.
But you need to move the funds. Using an ACH processor (like Vericheck - I was a customer), you can use their API to send money to an account. Or a bank (like Silicon Valley Bank - also was a customer), where you can generate and upload a NACHA file with the instructions.
What you're in for
Compliance and banking laws are strict. Get a good lawyer to help explain what you're up against. ACH processors will want to do comprehensive background checks on you and your business. Banks will require you to deposit a portion of your proposed transactions to cover STOP payments (when a user tells their bank to cancel a payment, like voiding a check). You may have to register as a money transmitter (a small $1M in filing, registration, and legal fees for all 50 states).
Moving money is still difficult to do on behalf of a user, but if you're willing to put in the legal work, the programming is pretty simple!
Plaid's API actually will give you routing and account number information and/or transaction data with cool info like GPS coordinates of transactions but I believe when I spoke to them they explicitly said that they don't provide money moving services in their API.
I've been looking at Ripple Labs, Dwolla, BitPay, etcetera.
If you have any recommendations about getting Plaid and Meteor working well together, then I can add you to a Cloud9 workspace and would be delighted to learn. :)
Plaid recently signed an agreement with Stripe. Stripe allows you to move funds via ACH through their newly realeased API: https://stripe.com/blog/accept-ach-payments
This is very similar to what companies like Peloton Technologies Inc. have been doing in Canada for EFT since 2010. EFT is what most parts of the world refer to as ACH.
Plaid provides Stripe with a higher possibility of being able to instantly verify a bank account, otherwise they fall back to the old Paypal 4 day verification processes of issuing a couple of transfers and waiting for the users to verify the amounts.
The pain of waiting on the user and the fact that 7 out of 10 times a bank account is entered wrong is what has probably prevented Stripe and other companies entering this space until now.
I have implemented plugin for google checout payments but now i see the notice on google developer documentation that google checout is no longer available from november instead they released Google Wallet.
My question is :
Is Google checkout and Google Wallet API same or i will have to change the API for google wallet ?
Google Checkout has been retired and will be shut down on November 20, 2013. You will have to change your integration. The announcement below has more details and options for migrating your payment processing:
http://googlecommerce.blogspot.com/2013/05/an-update-to-google-checkout-for.html
Different new Google Wallet APIs (such as Wallet Instant Buy or Wallet for digital goods) are available that allow you to accept online payments for physical goods, digital goods or services. A list of the available APIs and documentation is at:
https://developers.google.com/commerce/wallet/
Also see this answer for a good explanation of the differences between the Instant Buy and digital goods APIs.
I got answer from Google Developer.
I have contacted them and they told this are totally different from each other and they will released new API for wallet as soon as possible. :)
They are obviously different - otherwise there would be no point in the transition but there may/should be a fair amount of overlap between the two APIs. Some good places to start looking at the differences is here and via the Android Studio.
I don't find any thing about the costs to make Push notifications to my iPhone app.
I want to send Push Notifications to my App, but I don't find anything about the Price.
What does it cost to send Push Notifications?
If you have your own server, you can do it for free. Depending on the language you use, there are good libraries available. With JVM languages, you can use JavaPNS, for example.
It is also possible to use an external company that specializes in this. I have found UrbanAirship is good for my needs and has a free usage tier (I have no association with them).
Bottom Line: If you use external suppliers prices will vary, and you will either find them on their website, or by asking. Apple does not charge you anything. Doing it yourself is free.
Please note: We are using Magento's Professional Edition which does not come with Vendor Support.
I've looked over previous questions, and while I can find questions and answers about multiple payment gateways on a site, I can't find anything about Magento's Payment Bridge specifically. Payment Bridge is a PA-DSS certified application that Magento provides with it's Enterprise and Professional licenses. It's necessary for a PCI compliant environment.
Our problem is that our client has two Auth.net accounts. This is for reconciliation and the explanation can get long-winded, so please just trust me that this is a necessary scenario.
When creating the merchant with the Merchant Configuration tool when setting up Payment Bridge, it only allows you to provide one login, i.e. just the one account, and it asks which cards are accepted. The site will accept all cards, but one account handles Visa, Mastercard, and Discover, while the other handles all Amex payments.
How can I set up the merchant during the Payment Bridge set up to be able to have both accounts?
Update - for now, we've created a hack in the Payment Bridge Authorize.net class that checks the card type and, depending on the type, it switches the credentials if need be.
Not a perfect solution, I realize, but it's working while we figure out something a little more stable.
If you have any ideas, please share!
Thanks.