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Uploaded byYuki Matsukura
Payment Service (Overview and Payment Gateways)
The document provides an overview of payment services, focusing on payment gateways and their operational metrics. It discusses key performance indicators for selecting gateways, such as fees, API availability, stability, and testing capabilities. It also highlights the use of the ActiveMerchant API for Ruby, detailing its role and limitations in payment integration.
Payment Service (Overview and Payment Gateways)
- 1. Payment Service (Overview andPayment Gateways) Yuki Matsukura Metaps Inc. shinjuku.rb #31@metaps
- 2. • Metaps Inc.(2014 - ) – SPIKE Engineer • @matsubokkuri • http://github.com/matsubo • http://matsu.teraren.com/blog/ Yuki Matsukura
- 3. Outline • Payment servicestack • Dealing with Payment Gateways • Payment in Ruby
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- 7. Payment Service Stripe CAFIS VISANet Master Net… LIFE Payment Service Stack Users (Buyers) Mitsui Sumitomo Bank of America … GMO Brain Tree… Acquirer Issuer Payment Gateways JR East LUMINE ENEOS…
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- 9. KPIs to chooseGW • Fee – Initial setup cost, Monthly fee – Transaction fee, Payment fee http://bit.ly/1lh0O22
- 10. KPIs to chooseGW • API and its library – Library let developers ease integration. https://github.com/activemerchant/active_merchant
- 11. KPIs to chooseGW • Sandbox – Some gateways cannot be test …
- 12. KPIs to chooseGW • Stability – SLA – Gateways returns error text with 200 response. MTBF = 72.2 days, MTTR = 22.3mins, Availability = 99.978%
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- 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. This would bedifferent from payment gateway.
- 16. KPIs to chooseGW • Timeout – Payment Gateways – Authentication Bank – Our service • net/http • unicorn • Reverse proxy • (Browser)
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- 19. To Be continued •Fraud protection • Fight with Gateway timeout • Automation • Security • Customer support • Gem • Development environment • ER Diagram
Editor's Notes
- #7 Creating a platform for payment and online service.
- #8 Payment Gateways: We know well. Issuer Some companies do issuing, acquiring can be 1 service (company).
- #13 Watching gateways status too but also our service. They don’t give us downtime reports!!
- #15 There is a list of Payment gateways.
- #16 Active merchant sample code.
- #17 Inconsistent record will be created in the gateway or us.