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I'm planing to build a site where users can buy products from local business, what I'm looking for is a payment API where the user pays for the product and the payment goes to the business's account, I've been searching but all I see are services to accept payment for your own shop/service. What I need is to redirect the payment to the business offering the product.

Requirements:

  • Payment is handled by the service, not too much security responsibility for me.
  • As parameters, I just send both bank accounts, amount, currency.
  • The service must redirect the payment to the business account offering the product, not to my account.
  • It should work for credit and debit cards, and for acounts outside of the U.S (specialy Mexico and latin america).

closed as off-topic by Izzy, Nick Wilde, Caleb, Braiam, ProgramFOX Jun 7 '14 at 14:34

This question appears to be off-topic. The users who voted to close gave this specific reason:

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  • Welcome to Software Recommendations! Please note that this site is about software, not service recommendation (see: Are hosting recommendation requests on-topic?) – Izzy May 27 '14 at 22:18
  • @Izzy If it has an API why is it different from other software. – loki May 27 '14 at 22:46
  • Loki, your question explicitly asks for the service ("what I'm looking for is a payment service"). It would indeed be different if it were asking for an API to a specific service, but it isn't. For what's the difference, please follow the link in my previous comment, where all this is discussed. – Izzy May 27 '14 at 22:55
  • I can not imagine a service like that without an API, just going to edit the post to make it explicit. – loki May 28 '14 at 4:03
  • @loki I improved the question by adding requirements, feel free to edit them to describe your real requirements better. – Nicolas Raoul May 28 '14 at 7:42
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Have a look at https://stripe.com/, they have a pretty straight forward API. They offer a variety of SDKs and it is also possible to use CURL.

Regarding your requirements:

That is what a payment provider does, it stores all payment data for you, so you do not have to worry about PCI Standards and other Security Issues.

The API works just as you suggested. You can send account data, security keys, subject to Stripe and they will do the clearing for you.

I worked with other solutions like Saferpay, which is a drag. You cannot do without security keys, which you have to import in your JVM and whatnot. Moreover, their API is far from standards based.

Talking about responses, it is clear that the API will respond to you with the result of the transaction.

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