Best Approach to Implementing an Internationalized Payment Gateway
I want to integrate a payment gateway into a Ruby on Rails application. Although I have already implemented one, before I try to understand how I can implement one that will serve different countries.
For example, if it was only a UK based application, I could use a UK provider (like CardStream), if it was only a UK based application, I could use an American provider (like BrainTree), but I can't seem find a provider that serves multiple countries.
I am concerned that I will have to have both the UK gateway and the US gateway working next to each other in the same application. Surely it is not, and I missed something completely?
Thanks in advance.
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Elizabeth nailed him. The payment service provider must be accredited with each acquiring bank with which they wish to authorize / settle. For example, in the UK, the main ones are Barclays, Streamline, FirstData, HSBC, Amex, Diners. There are costs and significant investment of time for each accreditation.
I've never designed for US acquirers, but I think there is a good number. Rinse and repeat for international buyers and you will see them soon.
PA-DSS and PCI-DSS requirements are "global", so once they are certified, it's not too bad there.
Could you just go with a UK provider and set up clients to get a UK bank account? All providers will perform authorization and settlements in multiple currencies, so this is a fairly standard setting. We have developed this system for American clients.
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My first answer was wrong, so I am deleting it. (I press the delete button, apparently you are voting to delete).
Magento is an ecommerce solution that supports multiple currencies, internationalization, and multiple tax rates. We used it before for Universal Hangars . The base for this site is USA, but Magento supports multiple sites on a single installation. I haven't played with the shared user list between sites, but I'm sure it might get messed up.
Sorry for the quick reply earlier. Hope this works for you.
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