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Payment Service (Overview and Payment Gateways)

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I talked introduction of payment service related to SPIKE and payment service with Ruby.
- Payment service stack
- Dealing with Payment Gateways
- Payment in Ruby

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Payment Service (Overview and Payment Gateways)

  1. 1. Payment Service (Overview and Payment Gateways) Yuki Matsukura Metaps Inc. shinjuku.rb #31@metaps
  2. 2. • Metaps Inc. (2014 - ) – SPIKE Engineer • @matsubokkuri • http://github.com/matsubo • http://matsu.teraren.com/blog/ Yuki Matsukura
  3. 3. Outline • Payment service stack • Dealing with Payment Gateways • Payment in Ruby
  4. 4. PAYMENT SERVICE STACK
  5. 5. https://spike.cc/
  6. 6. Payment Service EC Marketing Automation Market E-money Users SPIKE Service Stack API
  7. 7. Payment Service Stripe CAFIS VISA Net Master Net… LIFE Payment Service Stack Users (Buyers) Mitsui Sumitomo Bank of America … GMO Brain Tree… Acquirer Issuer Payment Gateways JR East LUMINE ENEOS…
  8. 8. DEALING WITH PAYMENT GATEWAYS
  9. 9. KPIs to choose GW • Fee – Initial setup cost, Monthly fee – Transaction fee, Payment fee http://bit.ly/1lh0O22
  10. 10. KPIs to choose GW • API and its library – Library let developers ease integration. https://github.com/activemerchant/active_merchant
  11. 11. KPIs to choose GW • Sandbox – Some gateways cannot be test …
  12. 12. KPIs to choose GW • Stability – SLA – Gateways returns error text with 200 response. MTBF = 72.2 days, MTTR = 22.3mins, Availability = 99.978%
  13. 13. PAYMENT IN RUBY
  14. 14. Payment Gateway API • ActiveMerchant – https://github.com/activemerchant/active_merch ant – This is a collection of API library • NOT abstracting all gateways. • API parameter is different
  15. 15. This would be different from payment gateway.
  16. 16. KPIs to choose GW • Timeout – Payment Gateways – Authentication Bank – Our service • net/http • unicorn • Reverse proxy • (Browser)
  17. 17. State activity diagram 1
  18. 18. State activity diagram 2
  19. 19. To Be continued • Fraud protection • Fight with Gateway timeout • Automation • Security • Customer support • Gem • Development environment • ER Diagram

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