accepting online payment for your library and ‘stripe’ as an example
Post on 21-Oct-2014
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Presentation given at Code4Lib DC Unconference, Aug. 11-12, 2014.TRANSCRIPT
ACCEPTING ONLINE PAYMENT FOR YOUR LIBRARY & ‘STRIPE’ AS AN EXAMPLE
Code4Lib DC Unconference, Aug. 11-12, 2014.
Bohyun KimAssociate Director for Library Applications and Knowledge SystemsUniversity of Maryland, BaltimoreHealth Sciences and Human Services Library
Twitter: @bohyunkimWebsite: http://bohyunkim.net
Elements of Online Payment ACH (Automated Clearing House) payments:
Electronic credit and debit transfers. Most payment solutions use ACH to send money (minus fees) to their customers.
Merchant Account: A bank account that allows a customer to receive payments through credit or debit cards. Merchant providers are required to obey regulations established by card associations. Many processors act as both the merchant account as well as the payment gateway.
Payment Gateway: The middleman between the merchant and their sponsoring bank. It allows merchants to securely pass credit card information between the customer and the merchant and also between merchant and the payment processor.
Payment Processor: A company that a merchant uses to handle credit card transactions. Payment processors implement anti-fraud measures to ensure that both the front-facing customer and the merchant are protected.
PCI (the Payment Card Industry) Compliance: A merchant or payment gateway must set up their payment environment in a way that meets the Payment Card Industry Data Security Standard (PCI DSS).
Source: http://sixrevisions.com/tools/online-payment-systems/
How Online Payment Works
Different payment gateways, merchant accounts, and bank accounts are setup to work together (or not). Your bank may also be able to act as the merchant account.
Source: http://www.larryullman.com/2012/10/10/introduction-to-stripe/
Online Payment Systems
Authorize.net PayPal Google Checkout Amazon Payments Stripe WePay Dwolla Braintree Samurai
Source: http://sixrevisions.com/tools/online-payment-systems/
Stripe
Stripe acts as both the payment gateway and the merchant account. Your website communicates the customer and order information to Stripe, Stripe clears the payment information with the associated credit card company, and Stripe puts the money in your bank account.
Source: http://www.larryullman.com/2012/10/10/introduction-to-stripe/
API Keys for Testing
Resources
Card Numbers for Testinghttps://stripe.com/docs/testing#cards
Code Exampleshttps://stripe.com/docs/examples
Docshttps://stripe.com/docs
Starting Point
Borrowed example from https://github.com/myg0v/Simple-Bootstrap-Stripe-Payment-Form
When the Payment Succeeds,
Modify and Enhance
Add Patron & Payment Details. Allow custom amount for payment. Change the currency to USD. Configure the validation for new fields.
(Bootstrapvalidator jQuery Plugin) Hide the payment form once the charge
goes through. Other examples: https://stripe.com/docs/
examples
Process You create a form on your website that accepts the payment
details. You include a Stripe JavaScript library on the page. You write a JavaScript function that watches for the form
submission (i.e., you create an event handler for the form’s submission).
When the form is submitted, the user’s payment details are securely sent to Stripe via Ajax.
Stripe will confirm that the payment information is valid and return a token that uniquely identifies that payment information.
The JavaScript function that handles the Ajax response stores the token in a hidden form element and submits the form.
The server-side script (aka, the PHP code) that handles the form’s submission uses the token to actually process the payment.
So the customer never leaves your site but the payment information never hits your server: the best of both worlds. (This is the process when all works well; payment verification errors introduce new processes.)
Source: http://www.larryullman.com/2012/11/28/creating-a-form-for-handling-payments-with-stripe/
JS/jQuery
PHP
Modified Form
Testing
Dashboard
Logs
Token Request
Charge Request
Failed Charge
Charge Response - Declined
Error Codes
More to be Done
Send the confirmation e-mail upon the payment success.
… More.
Questions?
Photo credit: Flickr Nina`H https://www.flickr.com/photos/ninahiironniemi/209281997