Great post. I do have a few questions to ask you then (sorry If i do some english mistakes...):
I'm launching a new e-commerce website in France. I built the whole website by myself because the idea is a bit special as regards to the payment process. I built the entire code so that every purchaser can set their own price for the product they want. Every time a purchase is done, the website automatically updates the statistics and reckon what is the best price (according to the demand) that gives the best profit. At the end of the selling period, a table comes out with all the bets done by all the purchasers, showing for every price (or price range) the demand and profit. Thus, the best price (which gives the highest profit) is automatically reckoned and the seller can easily figure out at what price he can make the highest profit. The purchasers who have set a price equal or higher to the best-profit-price win the product at the price they set; the ones who have set a price lower loose the product and nothing is debited from their credit card (their payments are unlocked). I must say that all that code is working perfectly now, it's on the internet now and doing very good.
Therefore, when I sell a product on my website, I would like to "lock" or to "hold" the payement done by the purchaser until the end of the selling period (which varies according to the product - let's say 2 or 3 days in average). It's not allowed to debit the credit car unless the purchaser has won the products, hence the need to hold the payement until we know if the purchaser has won or not.
I would like to know if there's a payement website (like paypal) that could enable me to "lock" the payment until the end of the sell, and then debit the credit card (if the purchaser has won the product) or "unlock" the payment in the case where the purchaser has lost? Do you know anything that could help me as regards to that?
I hope everything is understandable, let me know if something is not clear ;-)