En esta presentación realizada en la Meetup de WordPress Cartagena vimos las características y ventajas de este fantastico software para obtener pagos por internet. Desde el panel de control hasta su integración con WooCommerce
Exploring Payment Platforms - ISO 20022 and ISO 8583PECB
Have you thought about the process of communication in the financial institutions? On this webinar, we go over the importance of standards ISO 20022 and ISO 8583 and how it can help financial institution to create reports that are useful to all interested parties.
Main points covered:
• ISO 20022 and its importance on the financial communication.
• ISO 8583 and its usage on the most credit and debit card transaction.
• How can these two standards leverage to effectively manage the financial transactions and data?
Presenter:
This webinar was presented by Orlando Olumide Odejide. He is a PECB Certified Trainer and an experienced Enterprise Architect and Programme Director working on various technology solutions. His expertise spans to various ISO standard such as ISO 27001, ISO 20000 and ISO 22301, COBIT, CMMI, TOGAF, PRINCE2, ITIL.
Link of the recorded session published on YouTube: https://youtu.be/Ilx6isDrXEU
Arquitectura de Comunicación Basada en CapasDayasev Urueta
La arquitectura de comunicación basada en capas divide los servicios de comunicación entre computadoras en capas independientes con funcionalidades diferentes. Cada capa depende del tipo de red y se comunica con las capas adyacentes, proporcionando datos a la capa superior y recibiendo datos de la capa inferior. Los protocolos como TCP/IP se implementan a través de estas capas para conectar redes y mantener conexiones incluso cuando parte de la red falla.
The document describes Safex Pay, a one-stop payment solution provider in India. It offers various payment aggregation solutions including a payment gateway, e-wallets, UPI payments, smart routing, and white label platforms. Safex Pay aims to provide businesses access to all major payment options through a single integration. It has strategic partnerships with banks and e-wallets and an in-house technology team that allows for quick feature rollouts. The document outlines Safex Pay's solutions such as a payment gateway, JS checkout, email/SMS/QR-based payments, white label platforms, and smart routing capabilities.
FaXimmé is a financial transaction simulator developed by Expleo that offers a comprehensive end-to-end solution for carrying out functional and performance testing of financial transactions. It simulates request and response messages for all ISO 8583 transaction types in a highly configurable and EMV compliant manner. FaXimmé allows users to test card issuers, acquirers and network providers across different card schemes and transaction volumes through a web-based interface that streamlines the testing process.
The document discusses payment gateways. It defines a payment gateway as an e-commerce service that authorizes payments for online retailers. It then describes how payment gateways work in 3 steps: (1) sensitive payment information is encrypted when submitted from the customer to the merchant's server and payment gateway; (2) the payment gateway passes the transaction details to the acquiring bank and issuing bank; (3) the banks process the transaction and send an encrypted response back to the customer via the payment gateway and merchant.
Exploring Payment Platforms - ISO 20022 and ISO 8583PECB
Have you thought about the process of communication in the financial institutions? On this webinar, we go over the importance of standards ISO 20022 and ISO 8583 and how it can help financial institution to create reports that are useful to all interested parties.
Main points covered:
• ISO 20022 and its importance on the financial communication.
• ISO 8583 and its usage on the most credit and debit card transaction.
• How can these two standards leverage to effectively manage the financial transactions and data?
Presenter:
This webinar was presented by Orlando Olumide Odejide. He is a PECB Certified Trainer and an experienced Enterprise Architect and Programme Director working on various technology solutions. His expertise spans to various ISO standard such as ISO 27001, ISO 20000 and ISO 22301, COBIT, CMMI, TOGAF, PRINCE2, ITIL.
Link of the recorded session published on YouTube: https://youtu.be/Ilx6isDrXEU
Arquitectura de Comunicación Basada en CapasDayasev Urueta
La arquitectura de comunicación basada en capas divide los servicios de comunicación entre computadoras en capas independientes con funcionalidades diferentes. Cada capa depende del tipo de red y se comunica con las capas adyacentes, proporcionando datos a la capa superior y recibiendo datos de la capa inferior. Los protocolos como TCP/IP se implementan a través de estas capas para conectar redes y mantener conexiones incluso cuando parte de la red falla.
The document describes Safex Pay, a one-stop payment solution provider in India. It offers various payment aggregation solutions including a payment gateway, e-wallets, UPI payments, smart routing, and white label platforms. Safex Pay aims to provide businesses access to all major payment options through a single integration. It has strategic partnerships with banks and e-wallets and an in-house technology team that allows for quick feature rollouts. The document outlines Safex Pay's solutions such as a payment gateway, JS checkout, email/SMS/QR-based payments, white label platforms, and smart routing capabilities.
FaXimmé is a financial transaction simulator developed by Expleo that offers a comprehensive end-to-end solution for carrying out functional and performance testing of financial transactions. It simulates request and response messages for all ISO 8583 transaction types in a highly configurable and EMV compliant manner. FaXimmé allows users to test card issuers, acquirers and network providers across different card schemes and transaction volumes through a web-based interface that streamlines the testing process.
The document discusses payment gateways. It defines a payment gateway as an e-commerce service that authorizes payments for online retailers. It then describes how payment gateways work in 3 steps: (1) sensitive payment information is encrypted when submitted from the customer to the merchant's server and payment gateway; (2) the payment gateway passes the transaction details to the acquiring bank and issuing bank; (3) the banks process the transaction and send an encrypted response back to the customer via the payment gateway and merchant.
The document discusses Aadhaar Enabled Payment System (AEPS), which allows bank-to-bank transactions at point-of-sale devices called MicroATMs using only an Aadhaar number for identification. Through AEPS, individuals can access services like balance inquiries, cash withdrawals, deposits, and funds transfers between Aadhaar accounts with fingerprint authentication from banking correspondents using MicroATMs.
Payment gateway/payment service providers and future trends in mobile payment...Danail Yotov
This document discusses payment gateways, processing of payments, and future trends in mobile payments. It provides an overview of how payment gateways facilitate transactions between merchants and banks. It describes how payments are processed, including encryption of data and authorization. It also discusses security measures like 3D Secure and PCI compliance. Finally, it outlines emerging technologies for mobile payments, including storing payment details on devices and using phones for contactless "tap and pay" transactions.
This document outlines steps to test payment gateway functionality, including:
1. Gathering test credit card numbers and sandbox accounts for testing.
2. Understanding integration between payment gateway and application and testing parameters passed between them.
3. Checking successful retrieval of payment data by the application and error handling.
4. Verifying database entries for transactions, amounts, and errors.
5. Ensuring security measures are in place for transactions.
The document discusses the benefits of prepaid cards linked to Aadhar cards for cashless transactions, especially in rural areas. Key points:
- Prepaid cards can be purchased from banks or post offices using Aadhar cards, with no expiry or need to set new PINs when purchased.
- Cards can be used for cashless transactions by entering the registered Aadhar PIN at POS machines. Unused balances can be transferred to new cards if lost or stolen.
- Linking the cards to Aadhar addresses security concerns and prevents unauthorized use if cards are lost. Transaction history and balances can be checked online.
This document provides information about NEFT and RTGS money transfer systems between banks in India. RTGS allows for real-time gross settlement of funds, meaning money is transferred in real-time on a one-to-one basis. NEFT operates on a deferred net settlement basis, clustering transactions to transfer net amounts between banks up to twelve times daily on weekdays and six times on Saturdays. Both systems provide faster transfer of funds than traditional checks while RTGS offers real-time transfers.
Our company’s specification is we have a unique product offerings with advanced API Integration for best success ratios, Push Response Technology, Dynamic Switching, Retry options, Advanced Analytics, Recurring Payments, Multiple Currency Options, Omni-Channel Offering, E-Wallet M-commerce etc.
Digital banks expanded their offerings and partnerships in 2022:
- Incumbent banks launched digital subsidiaries while challengers expanded into new services like lending and investing.
- Banks partnered with core banking and payments providers to improve digital transformations and experiences.
- Digital payments evolved through new account-to-account payments and cross-border payment integrations.
- Cryptocurrency trading and lending products were introduced as digital banks recognized digital assets as an important asset class.
India Swipe is a proposed payment gateway company with the objectives of offering services at reduced commission rates, making the payment process seamless for buyers, and collaborating with online retailers. The company plans to allocate 12 employees and expects setup costs of Rs. 51,32,000. It projects processing 1,00,000 transactions per month worth Rs. 5 crores in total, earning Rs. 5 lakhs in revenue monthly at a 1% commission rate. This would allow the company to break even within 12 months.
PSD2 is finally here and 2018 is turning out to be a big year for the banking industry as financial institutions open their APIs and make them available to third-party providers.
Find out what Kony is doing about Open Banking and Kony PSD2 solution.
Modes of Cashless Transactions - Cash-less Indian EconomyRajan Chhangani
This presentations is all about the different modes of cashless transactions and a small step to promote digital India and digitization in India.
Sources:- NPCI
Axis Bank
SBI
RBI
Payment providers offer various technologies like APIs, buttons, and SDKs to integrate payments into websites and apps. Common use cases for payments include shopping carts, subscriptions, donations, and P2P transfers. Major payment API providers in the US include Amazon Payments, Authorize.Net, Balanced, Braintree, Dwolla, PayPal, and Stripe, each providing SDKs for languages like PHP, Ruby, Java, Python, and mobile platforms to enable integration.
This document provides an overview of card payment systems. It describes the simplified authorization flow when a customer makes a payment by credit or debit card, involving the merchant, acquirer/processor, payment brand, and issuer. It also discusses electronic data capture, the ISO 8583 financial transaction message format, magnetic stripe vs EMV chip cards, verification options, card not present transactions, card management systems, and the simplified settlement flow.
UPI (Unified Payments Interface) allows bank account holders to send and receive money between bank accounts instantly using a virtual address without entering additional bank details. UPI is operated by NPCI (National Payments Corporation of India) and allows inter-bank fund transfers through IMPS. It uses a virtual ID instead of bank account and IFSC codes, and provides secure two-factor authentication for payments. UPI enables various online payment options like sending money to contacts, collecting payments remotely, and buying items online or through apps.
The document provides an overview of card payment evolutions, technologies, and business models, covering topics such as magnetic stripe cards, smart cards, contactless payments, QR payments, payment networks, and payment gateways. It also defines key terminology used in card payments and discusses how card payment processing works from authorization through clearing and settlement. The document is intended to serve as a high-level introduction to the card payment industry.
Este documento describe los diferentes tipos de facturas, incluyendo facturas ordinarias, simplificadas, electrónicas y recapitulativas. También explica la aplicación del IVA con diferentes tipos impositivos, los tipos de descuentos en facturas, la facturación de servicios profesionales y gastos, la rectificación de facturas, y el registro de facturas.
Peter Afanasiev - Architecture of online PaymentsCiklum Ukraine
Payment Service Providers
Merchant Payment Systems
General architecture of a Payment System
Know-hows:
Payment queues with MSSQL Broker
Adapter Polymorphism
Tracing in Service Oriented World
Dynamic configuration editor with ASP.Net MVC
This document discusses open banking and its implications for Suryoday Small Finance Bank. It begins with an overview of open banking, including how it creates an open ecosystem compared to traditional closed systems. It then covers the key drivers of open banking such as regulations, emerging technologies, competition, and consumer demand. Regulatory timelines for open banking in various regions are provided. The document discusses how banks can take different approaches to open banking, and what opportunities it provides for Suryoday, including providing invoices and payments services for small businesses. It concludes that Suryoday is well positioned to become an open bank due to its existing API-based systems and platform approach.
Una pasarela de pagos es un medio seguro para realizar pagos con tarjeta de crédito en Internet. Encripta la información de la tarjeta para garantizar su seguridad durante la transacción entre el cliente y el vendedor. Ofrece varios beneficios para el comercio como tener una alternativa al efectivo y aumentar las ventas.
Resumen Servicios - Conekta te permite aceptar pagos en línea para cualquier...conektame
Conekta ofrece una solución integral de pagos en línea que permite aceptar pagos con tarjeta de crédito, débito y efectivo a través de múltiples canales. Conekta se encarga de todo el procesamiento de pagos de manera segura y con detección de fraude, permitiendo a los negocios integrar fácilmente pagos en sus sitios web, aplicaciones móviles u otros canales sin necesidad de certificaciones o infraestructura propias. Conekta también ofrece herramientas adicionales como sus
The document discusses Aadhaar Enabled Payment System (AEPS), which allows bank-to-bank transactions at point-of-sale devices called MicroATMs using only an Aadhaar number for identification. Through AEPS, individuals can access services like balance inquiries, cash withdrawals, deposits, and funds transfers between Aadhaar accounts with fingerprint authentication from banking correspondents using MicroATMs.
Payment gateway/payment service providers and future trends in mobile payment...Danail Yotov
This document discusses payment gateways, processing of payments, and future trends in mobile payments. It provides an overview of how payment gateways facilitate transactions between merchants and banks. It describes how payments are processed, including encryption of data and authorization. It also discusses security measures like 3D Secure and PCI compliance. Finally, it outlines emerging technologies for mobile payments, including storing payment details on devices and using phones for contactless "tap and pay" transactions.
This document outlines steps to test payment gateway functionality, including:
1. Gathering test credit card numbers and sandbox accounts for testing.
2. Understanding integration between payment gateway and application and testing parameters passed between them.
3. Checking successful retrieval of payment data by the application and error handling.
4. Verifying database entries for transactions, amounts, and errors.
5. Ensuring security measures are in place for transactions.
The document discusses the benefits of prepaid cards linked to Aadhar cards for cashless transactions, especially in rural areas. Key points:
- Prepaid cards can be purchased from banks or post offices using Aadhar cards, with no expiry or need to set new PINs when purchased.
- Cards can be used for cashless transactions by entering the registered Aadhar PIN at POS machines. Unused balances can be transferred to new cards if lost or stolen.
- Linking the cards to Aadhar addresses security concerns and prevents unauthorized use if cards are lost. Transaction history and balances can be checked online.
This document provides information about NEFT and RTGS money transfer systems between banks in India. RTGS allows for real-time gross settlement of funds, meaning money is transferred in real-time on a one-to-one basis. NEFT operates on a deferred net settlement basis, clustering transactions to transfer net amounts between banks up to twelve times daily on weekdays and six times on Saturdays. Both systems provide faster transfer of funds than traditional checks while RTGS offers real-time transfers.
Our company’s specification is we have a unique product offerings with advanced API Integration for best success ratios, Push Response Technology, Dynamic Switching, Retry options, Advanced Analytics, Recurring Payments, Multiple Currency Options, Omni-Channel Offering, E-Wallet M-commerce etc.
Digital banks expanded their offerings and partnerships in 2022:
- Incumbent banks launched digital subsidiaries while challengers expanded into new services like lending and investing.
- Banks partnered with core banking and payments providers to improve digital transformations and experiences.
- Digital payments evolved through new account-to-account payments and cross-border payment integrations.
- Cryptocurrency trading and lending products were introduced as digital banks recognized digital assets as an important asset class.
India Swipe is a proposed payment gateway company with the objectives of offering services at reduced commission rates, making the payment process seamless for buyers, and collaborating with online retailers. The company plans to allocate 12 employees and expects setup costs of Rs. 51,32,000. It projects processing 1,00,000 transactions per month worth Rs. 5 crores in total, earning Rs. 5 lakhs in revenue monthly at a 1% commission rate. This would allow the company to break even within 12 months.
PSD2 is finally here and 2018 is turning out to be a big year for the banking industry as financial institutions open their APIs and make them available to third-party providers.
Find out what Kony is doing about Open Banking and Kony PSD2 solution.
Modes of Cashless Transactions - Cash-less Indian EconomyRajan Chhangani
This presentations is all about the different modes of cashless transactions and a small step to promote digital India and digitization in India.
Sources:- NPCI
Axis Bank
SBI
RBI
Payment providers offer various technologies like APIs, buttons, and SDKs to integrate payments into websites and apps. Common use cases for payments include shopping carts, subscriptions, donations, and P2P transfers. Major payment API providers in the US include Amazon Payments, Authorize.Net, Balanced, Braintree, Dwolla, PayPal, and Stripe, each providing SDKs for languages like PHP, Ruby, Java, Python, and mobile platforms to enable integration.
This document provides an overview of card payment systems. It describes the simplified authorization flow when a customer makes a payment by credit or debit card, involving the merchant, acquirer/processor, payment brand, and issuer. It also discusses electronic data capture, the ISO 8583 financial transaction message format, magnetic stripe vs EMV chip cards, verification options, card not present transactions, card management systems, and the simplified settlement flow.
UPI (Unified Payments Interface) allows bank account holders to send and receive money between bank accounts instantly using a virtual address without entering additional bank details. UPI is operated by NPCI (National Payments Corporation of India) and allows inter-bank fund transfers through IMPS. It uses a virtual ID instead of bank account and IFSC codes, and provides secure two-factor authentication for payments. UPI enables various online payment options like sending money to contacts, collecting payments remotely, and buying items online or through apps.
The document provides an overview of card payment evolutions, technologies, and business models, covering topics such as magnetic stripe cards, smart cards, contactless payments, QR payments, payment networks, and payment gateways. It also defines key terminology used in card payments and discusses how card payment processing works from authorization through clearing and settlement. The document is intended to serve as a high-level introduction to the card payment industry.
Este documento describe los diferentes tipos de facturas, incluyendo facturas ordinarias, simplificadas, electrónicas y recapitulativas. También explica la aplicación del IVA con diferentes tipos impositivos, los tipos de descuentos en facturas, la facturación de servicios profesionales y gastos, la rectificación de facturas, y el registro de facturas.
Peter Afanasiev - Architecture of online PaymentsCiklum Ukraine
Payment Service Providers
Merchant Payment Systems
General architecture of a Payment System
Know-hows:
Payment queues with MSSQL Broker
Adapter Polymorphism
Tracing in Service Oriented World
Dynamic configuration editor with ASP.Net MVC
This document discusses open banking and its implications for Suryoday Small Finance Bank. It begins with an overview of open banking, including how it creates an open ecosystem compared to traditional closed systems. It then covers the key drivers of open banking such as regulations, emerging technologies, competition, and consumer demand. Regulatory timelines for open banking in various regions are provided. The document discusses how banks can take different approaches to open banking, and what opportunities it provides for Suryoday, including providing invoices and payments services for small businesses. It concludes that Suryoday is well positioned to become an open bank due to its existing API-based systems and platform approach.
Una pasarela de pagos es un medio seguro para realizar pagos con tarjeta de crédito en Internet. Encripta la información de la tarjeta para garantizar su seguridad durante la transacción entre el cliente y el vendedor. Ofrece varios beneficios para el comercio como tener una alternativa al efectivo y aumentar las ventas.
Resumen Servicios - Conekta te permite aceptar pagos en línea para cualquier...conektame
Conekta ofrece una solución integral de pagos en línea que permite aceptar pagos con tarjeta de crédito, débito y efectivo a través de múltiples canales. Conekta se encarga de todo el procesamiento de pagos de manera segura y con detección de fraude, permitiendo a los negocios integrar fácilmente pagos en sus sitios web, aplicaciones móviles u otros canales sin necesidad de certificaciones o infraestructura propias. Conekta también ofrece herramientas adicionales como sus
Resumen Servicios - Conekta te permite aceptar pagos en línea para cualquier...conektame
Utiliza conekta y cobra a tus clientes con tu propio flujo, diseño y sin redireccionar a otra página, lo cual te ayudará a incrementar el número de pagos exitosos en línea.
Con #PayU puedes aumentar tus ventas online, nuestra pasarela de pagos te ofrece seguridad en los pagos de tus compradores, aquí encontraras como funciona #pagosonline #Colombia
Este documento presenta información sobre la planificación de una iniciativa de comercio electrónico. Explica diferentes tipos de modelos de negocios, infraestructura, sistemas de pago, software, hardware y seguridad necesarios para un negocio en línea. También discute la importancia del diseño del sitio web, la elaboración de un plan de negocios y otros aspectos clave como la interfaz del cliente y la interconexión de redes para el éxito de un negocio electrónico.
Tendencias de ecommerce en Bolivia - eCommerce Day Bolivia 2018eCommerce Institute
Este documento resume las tendencias del e-commerce en Bolivia. Explica algunos números clave sobre el desarrollo del e-commerce en el país, incluyendo el número de transacciones y el ticket promedio. También describe la oferta de e-commerce de Red Enlace, incluyendo sus productos y clientes. Finalmente, discute las tendencias de seguridad, explicando el protocolo 3D Secure 2.0 y sus características clave.
Este documento presenta V-POS, una pasarela de pagos multitarjeta desarrollada por ALIGNET para comercios electrónicos. V-POS permite procesar pagos con tarjetas de crédito como Visa, Mastercard y American Express. El documento describe los beneficios de V-POS como procesar múltiples tarjetas con un solo costo, su fácil instalación, actualizaciones automáticas, y soporte técnico las 24 horas. También explica el proceso de compra, los reportes disponibles, y los requisitos iniciales
La factura electrónica es un documento electrónico que comprueba compras y ventas de bienes y servicios. Ofrece beneficios como menores costos, simplificación de cumplimiento, auditorías fáciles y actualizaciones oportunas. Google Wallet permite pagos en línea al almacenar información de tarjetas, mientras que las tarjetas inteligentes contienen chips que ejecutan lógica programada y el sellado de tiempo demuestra la existencia de datos electrónicos en una fecha y hora específicas.
El documento describe varios medios de pago electrónicos para el comercio en línea, incluyendo Credomatic, PayNexus y 2checkout. Credomatic es una opción popular porque no cobra tarifas para afiliados y acepta las principales tarjetas de crédito y débito. PayNexus permite pagos seguros directamente de cuentas bancarias sin necesidad de tarjetas de crédito. 2checkout ofrece servicios de cobro en línea con bajas comisiones y costos de configuración.
Marco Guirola - eCommerce Day El Salvador Online [Live] ExperienceeCommerce Institute
Este documento describe una empresa líder en soluciones integrales de comercio electrónico en la región que ofrece cuatro plataformas y opera en 13 países, con más de 3,000 clientes. La empresa ha sido galardonada por la robustez, calidad, seguridad y versatilidad de su tecnología, y cumple con la certificación de seguridad PCI Nivel 1.
Conferencia impartida en la Semana Nacional del Emprendedor 2016, en la Ciudad de México relacionada a los modelos de pagos por eCommerce y su seguridad.
Este documento describe diferentes medios de pago electrónicos como las transferencias electrónicas de fondos y los depósitos directos. Explica dos proveedores principales de pago electrónico: CyberCash y SET. CyberCash ofrece una solución para procesar pagos con tarjeta de crédito en línea requiriendo software en la computadora del usuario y del comerciante. SET es un protocolo estandarizado para realizar compras en línea de forma segura con tarjeta utilizando criptografía y verificación con la tarjeta presentada en la terminal del com
El documento describe las finanzas electrónicas (E-Finance) y los procesadores de pagos electrónicos. E-Finance permite realizar transacciones financieras en línea, reduciendo costos y mejorando la satisfacción de los clientes. Los procesadores de pagos como PayPal permiten enviar y recibir pagos en línea de forma segura. La tecnología blockchain subyacente a Bitcoin crea un registro distribuido de transacciones que no puede ser alterado.
Este documento describe cómo las organizaciones pueden mejorar la seguridad de acceso a sus sistemas implementando el uso del DNIe electrónico. Se explican dos opciones técnicas para lograr el acceso único con DNIe: la verificación de credenciales y envío de usuario/contraseña, o la autenticación mediante firma digital. Finalmente, se describen dos productos de SmartAccess, SmartID Corporate Logon y IDOne Professional, que permiten implementar estas opciones de acceso con DNIe sin modificar la estructura del Active Directory.
El documento describe varios métodos de pagos electrónicos como Cardnet, Visanet, PayPal y Authorize.net. Explica sus características principales como la facilidad de implementación, soporte para tarjetas locales y métodos de integración como pagos integrados y SOAP. También analiza ventajas como SDK para diferentes lenguajes y desventajas como interfaces poco personalizables y costos elevados para pequeñas empresas.
SSL es un protocolo de seguridad ampliamente utilizado para establecer comunicaciones seguras entre servidores web y navegadores. Aunque práctico, SSL presenta limitaciones como proteger solo dos puntos y no ofrecer una solución comercialmente integrada. SET fue desarrollado para superar estas limitaciones y ofrecer autenticación de todas las partes involucradas en una transacción de pago con tarjeta de crédito. Sin embargo, la adopción de SET ha sido lenta debido a que requiere software especializado y una estricta jerarqu
Este documento resume la funcionalidad del producto Fiserv Gateway, una solución de pagos que permite aceptar tarjetas de crédito y débito en canales digitales de forma segura y flexible. Incluye características como páginas de pago seguras, cifrado y tokenización de datos, herramientas de prevención de fraude, y reportes en línea. La solución ofrece integración a través de plugins, APIs y formularios, permitiendo aceptar pagos desde sitios web, aplicaciones móviles y otros canales.
Este documento describe diferentes medios de pago electrónico y digital, incluyendo cajeros electrónicos, dinero electrónico en línea y fuera de línea, transferencias bancarias, cheques electrónicos, tarjetas de crédito y débito, y proveedores de servicios de pago. También discute opciones disponibles en Guatemala y servicios electrónicos ofrecidos por bancos guatemaltecos. Por último, explica diferentes tipos y mecanismos de publicidad en Internet como banners, pop ups, redes sociales, correos electrónicos, buscad
Actividad 3 análisis y desarrollo de un sitioChristian C
Este documento describe el desarrollo de un sitio e-commerce para la venta de consolas y videojuegos utilizando la herramienta gratuita Wix. Se realizó un análisis de mercado que mostró que la mayoría de personas interesadas en juegos tienen entre 12 y más años. El sitio permitirá ver productos, realizar compras, pagos con tarjeta de crédito a través de PayPal y navegación informativa de forma segura. La implementación incluye secciones como inicio, medios, comunidad, tienda y sop
El documento proporciona una descripción de varios medios de pago electrónico como tarjetas de crédito, tarjetas de débito, dinero electrónico, tarjetas inteligentes, tarjetas monedero y tarjetas relacionistas. También describe mecanismos de pago como cheques electrónicos, pago mediante móvil, publicidad en internet, programas de afiliados y conceptos como PC zombie, SPIM y ransomware.
2. 1. Métodos de pago online.
a. Qué es Stripe
b. Características
c. Panel de control
d. Seguridad
e. Pagos recurrentes
f. Extensiones
2. Práctica: Configuración en WP
3. Charla entre todos.
3. Métodos de Pago Online
● Pagos por cheque
● Ingreso por cuenta bancaria
● Contra reembolso
● Pago con tarjeta
○ Pasarela bancaria (negociable)
○ Pay Pal (3,4% + 0,35€ por pedido)
○ Stripe (1,4% + 0,25€)
4. ¿Qué es Stripe?
Stripe es una compañía tecnológica. Su
software permite a individuos y negocios
recibir pagos por internet. Proporciona la
infraestructura técnica, de prevención de
fraude y bancaria necesaria para operar
sistemas de pago en línea.
5. Carácteristicas:
- Compras sin salir de nuestra web.
- Permite guardar tarjetas. (Pago en un clic)
- 1,4 de comisión +0,25€.
- Permite hacer pagos recurrentes (suscripciones).
- No es es un monedero. No permite hacer pagos.
- Permite pagar comisiones. (marketplaces y afiliados)
- Orientada a desarrolladores.
- Permiten crear varias cuentas para distintos
proyectos.
- Introduce el machine learning en pagos y
prevención del fraude.
6. Panel de control:
- Home: Resumen de los ingresos.
- Payments: Detalle de los pagos y disputas.
- Balance: Estado de los ingresos en el banco.
- Costumer: Clientes
- Radar: Prevención contra el fraude. Usa el machine
learning para detectar tarjetas robadas o falsas.
- Billing: Pagos recurrentes, suscripciones
- Connect: Nos permite automatizar comisiones.
- Order: Nos permite subir artículos.
- Developers: Herramientas para desarrolladores.
7. Ajustes:
- Account information: Datos de la
empresa/autonomo
- Branding: Imagen corporativa
- Bank accounts: Cuenta donde recibir los pagos y
periodicidad.
- Payment methods: Métodos de pago que
aceptamos
- Team members y roles: Podemos configurar cuanta
gente tiene acceso a Stripe y que puede hacer.
- Security history: Historial de conexiones
8. Requisitos:
- Crearse una cuenta de stripe: user, pass y teléfono.
- tener una página web con SSL
Seguridad:
- Todos los números de tarjeta se cifran en disco con AES-256.
Las claves de descifrado se almacenan en máquinas separadas..
- La infraestructura de Stripe para almacenar, descifrar y transmitir los
números de tarjeta se gestiona en una infraestructura de
alojamiento independiente y no comparte ninguna credencial con
los servicios principales de Stripe. Ver más
.
9. Pagos recurrentes
Una de las mejores características de stripe es que permite capturar la
tarjeta y la aceptación del cliente para pasarle un importe tanto fijo como
variable en el periodo de tiempo que se seleccione (días, meses o años)
Extensiones:
Extensiones: Stripe se puede vincular con otras plataformas de forma sencilla a
través de sus extensiones. Entre ellas WooCommerce, EDD, Gravity Forms,
Prestashop (muchas americanas), y además zapier
La integración con EDD cuesta 89€ y la de gravity Forms se incluye en el pack
completo (199€)