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API-购买与支付：支持信用卡跨境支付 #442

Closed joelin109 closed 6 years ago

joelin109 commented 6 years ago

需求

收款账号：境外

国内用户：可通过Visa信用卡支付 “Cine课程”
支付宝国际版的技术环节打通之后，立刻进行支付测试，
先用立伟的美国个人账号测试，再用波士顿公司的真实银行账号测试。

- From Email



目前情况, 使用Solution3

Solution1. 国际支付宝
Status: 暂停

Solution2.信用卡支付
Status: 暂停

Solution3. 支持集成 Stripe.com 到我们系统
Status: Working

Solution4.  Squareup.com
Status: 手工通过邮件给客户发账单，客户支付
           - 目前可使用，但不够方便 且也没有发现可集成的SDK



Stripe收费

https://stripe.com/us/pricing

daweilv commented 6 years ago

Solution 1 : 国际支付宝

https://global.alipay.com/products/online

Settlement

  1. Supported currencies USD, EUR, JPY, GBP, CAD, AUD, SGD, CHF, SEK, DKK, NOK, NZD, THB, HKD Settlement Mode
  2. Settlement per amount: when to-be-settled amount reaches or exceeds 5000USD (the lower limit), the total amount of to-be-settled fund will be transferred to the receiving bank account of the merchant. Alipay will take care of the remittance fee of the settlement bank and the merchant is responsible for any processing fee charged by the intermediary bank and the receiving bank.

Standard Cost

  1. If the total transaction volume of the preceding calendar month is less than 1 million RMB, the applicable rate of the current calendar month will be 2.2%.
  2. If the total transaction volume of the preceding calendar month amounts to or exceeds 1 million RMB but less than 3 million RMB, the applicable rate of the current calendar month will be 2%.
  3. If the total transaction volume of the preceding month amounts to or exceeds 3 million RMB but less than 10 million RMB, the applicable rate of the current calendar month will be 1.8%.
  4. If Transaction Value of the preceding calendar month amounts to or exceeds 10 million RMB, the applicable rate of the current calendar month will be 1.6%.
Status: 暂停
daweilv commented 6 years ago

Solution 2 : 信用卡支付

TRY 1：VISA 经电话联系 VISA 客服确认：VISA 不直接跟商家合作，商户希望使用 VISA 需要和银行谈，与银行签约。也就是说，如果希望支持招商银行信用卡，需要去和招商签约。如果希望支持农业银行信用卡，需要去和农业签约。这样信用卡只能支持国内支付，支不支持外汇支付需要和银行方咨询。 苹果官网之所以支持信用卡直接支付，是因为苹果本身就是持牌机构。

daweilv commented 6 years ago

Solution 3 : stripe.com

支持集成到我们系统

注册

https://dashboard.stripe.com/register

完善信息

https://dashboard.stripe.com/account/details

We need to learn more about you and your business before you can process payments on Stripe. The information you provide will only be visible to the account owner and administrators. 

Status: 招行双币信用卡支付 0.5 美元测试通过。
daweilv commented 6 years ago

Solution 4 : squareup.com

手工通过邮件给客户发账单，客户支付。未找到第三方集成相关 API

Status: 备用
joelin109 commented 6 years ago

410

459

daweilv commented 6 years ago

Q1：订单统计后台希望以怎样的展示方式把“美元”表示出来？ /admin/tool/queryStatOrders image

joelin109 commented 6 years ago

手机版

app_ -1



PC版

pc_

zhuyichun commented 6 years ago
daweilv commented 6 years ago

iOS详情页逻辑特殊，暂不支持APP国际支付，改为提示到PC端支付