hi all
i have a client who wants a payment gateway site something similar to “pesagate.com” which works like paypal. i was wondering is there an secure opensouce script out there that does this or is it just easier to try and code it from sratch, mind you im not so php savvy ,i dont really know the scope of the coding work.
thanks
As siteguru pointed out, there’s a lot of financial regulations concerning payment mechanism, and a lot of those have to do with infrastructure, documentation, fallback, redundancy, penetration testing, load testing, security, security, security, security, security and security.
Building such a system will take a lot of time, investment and testing. During the building of the application it will require constant (external) auditing and testing, and you will certainly need a whole bunch of programmers to do this (for building the interfaces to the credit card companies, the banks, your country’s central bank and your country’s EFT provider).
As far as I know, there are no open source scripts you could use for this, and it is definately not ‘easy to try to code from scratch’. I don’t even know if I would use PHP for this (I certainly wouldn’t advise it if you’re not very PHP-savvy).
Honestly? Tell your client that it’s a lot of work (and audits, and money) to start a business like this. My advice is not to take the job unless you have a team of high class programmers with years and years of experience in the financial IT world.
i understand the regulation bit of it , my system will not be collecting credit card info,
there are a couple of payment gateways here(kenya) who are doing the same thing i want eg pesagate.com. so i just wanted to know the programming side of it
There are a multitude of financial regulations relating to running a payment mechanism. You really don’t want to try and do this. Best to use one of the recognized payment gateways like Paypal and others - they usually offer technical help to setup the online methods to use their systems.