e-commerce

Hello,

For a toy library I want to make a sort of e-commerce app for the financial part like payments by cash and bank, payable invoices and invoices to be payed.

Also a membership part and a part where the borrow part can be dealed with.

Is there a good tutorial where I can find all these things, prefferly written.

Roelof

For ruby e commerce id suggest activemerchant.org to start with

It has a plugin based system for the processor gateways.

I have found that every processor gateways interface is different. Some run soap /wsdl, some are rest etc

Hope that helps

Thanks,

But I do not need a credit card. People pay by cash or by bank transfer.

Roelof

Thanks,

But I do not need a credit card. People pay by cash or by bank transfer.

Nobody with any sense is going to buy online by cash or bank transfer

Colin

It’s not for online buying. It will be a online app for a toy library where we can keep track of which people have borrow which toy.

Roelof

Matt's

Does that prove or disprove my point?

In fact on further consideration I realise what I said was pointless
as it often seems that the majority of the human race has no sense,
but I think we are getting a bit off topic.

Colin

Does that prove or disprove my point?

In fact on further consideration I realise what I said was pointless
as it often seems that the majority of the human race has no sense,
but I think we are getting a bit off topic.

Yeah! Thats true, No sense is the Sense now lol.

Was just a comment,

Regards and happy coding.

OK, I know how credit/debit card authorizations work online:

cardholder->store->payment_gateway->payment_processor->bank

but how does "bank transfer" work? What information does the end
user provide, who authenticates the request, etc.?

The First method is just TRUST.

Another method is using a Payment Processor, the most know here is MercadoPago[0]. MercadoPago doesn’t give the money to the seller before you receive the product.
Then if for some reason you don’t receive the product then the money is going back to you.

But the key is TRUST.

But like Colin said: “I think we are getting a bit off topic.”

[0] http://www.mercadopago.com/

The First method is just TRUST.
Another method is using a Payment Processor, the most know here is
MercadoPago[0]. MercadoPago doesn't give the money to the seller before you
receive the product.
Then if for some reason you don't receive the product then the money is
going back to you.

But the key is TRUST.

OK, none of that helps. What *actually happens* to execute a
"bank transfer"?

If you're shopping online and you want to make a purchase, what
information do you have to provide and where does it go?

But like Colin said: "I think we are getting a bit off topic."

I disagree; the OP wanted advice on e-commerce based on bank
transfers, and I'd like to understand what that involves, since it's
not a common payment form here in the US.

I meant that a philosophical discussion as to whether the human race
has any sense is off topic, rather than a discussion on how online
payments are made.

Colin

I pay my electricity and my gas bill with bank transfers. And I use "Chase Quick pay" to pay family and friends all the time (Chase quick pay is a kind of a bank transfer available only to Chase customers)

I think you may actually need to be a large institution to qualify for the ability to do EFT, but you definitely need to work with a payment processor who can do that. I'd suggest you call an Authorize.net sales rep and see what they say about it.

here's some background information:

http://www.gymassistant.com/products/gym_assistant/eft_explained.php
http://www.cybersource.com/products/payment_processing/direct_debit_bank_transfers/

This seems totally oriented to *on-going* relationships: subscriptions,
utility payments, etc. The initial setup at least seems far too onerous
to use for one-time e-commerce transactions.

Perhaps it works differently in other countries...

I’m not sure what would be different in other countries. I believe EFT is cheaper to process, so larger businesses prefer it. People that want to write checks instead of use a credit card may prefer it as well.

From having set up the capability through Authorize.net (using ActiveMerchant), I can tell you that at least through Authorize.net it is not a direct, immediate bank transfer. It is an electronic check. Just like with checks, the payment may be “approved”, but the check may still not clear. Just like with checks, it takes a couple days for the checks to clear (or not), so you have to have business processes in place to reconcile against Authorize.net and not consider a payment actually paid until Authorize.net has cleared the check and put the money in your merchant account.

Jim

You Use e commerce-spree API it’s best for ROR application easy to implemented go to home page and see how to implement it in you’r application

For a toy library I want to make a sort of e-commerce app for the financial part like payments by cash and bank, payable invoices and invoices to be payed.

Also a membership part and a part where the borrow part can be dealed with.

Anil Yadav