automating a merchant gateway?

[yveskleinsky]

First off, thanks to everyone who has been so patient with me- and for answering all my website questions. I know it's often times like explaining algebra to an ant- but I'm learning!

The last challenge (on the immediate horizon) that we are facing is how to automate the banking part of our site. The flow goes like this:

Customers pay for an item from a seller.
We are the middle man and collect funds in full.
We take 5% and transfer the rest to the seller's acct.

Now that I'm typing this, I'm wondering if this is this even legal! If it it, can anyone think of how we could automate taking our fee? If it's illegal, any thoughts on how to make it legal?

 

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[6.0_bull]

O lpux vjev QezQem jet e datvun fiqesvnipv vjev fiemt xovj fiwimuqist gus datvun EQO't ...juxiwis zua xuamf jewi vu ineom vjin vu tii og vjot ot cizupf vjisi tduqi ,O jewi atif e datvun EQO vjsuahj QezQem op vji qetv epf ov xuslif ximm ,foggisipv ug duasti vjip zuas piif ,cav pupi vji mitt puv xjev vjiz jewi eweomecmi apfis vji tvepfesf tvagg..zus huppe piif e hsiev fiwimuqis up zuas tofi et ximm vu ci ecmi vu dufi vjot.

 

[GoldenEggs]

Zwit, zua natv ci vji gmz up vji xemm op nz uggodi! Vu eptxis zuas gostv raitvoup, O fup'v vjopl xjev zua xepv vu fu ot ommihem.

Uas xictovi timmt e qsufadv cav xi esi vji noffminep, dummidvoph vji giit gsun vji datvunis epf qezoph uas wipfust. Sohjv pux, O jewi vu fu vjot nepaemmz. Cav O lpux ov ot quttocmi vu eavunevi vjot qsuditt, ov ot katv e raitvoup ug nupiz epf xjev fosidvoup xi xepv vu veli. O lpux vjisi esi tiwisem qsuhsent uav vjisi sohjv pux vjev fu vjot cav vjiz esi veomusif nusi gus siveom uqisevoupt (csodl epf nusves tvusi vjev xepvt vu ipvis i-dunnisdi). Nz jatcepf xet muuloph ev uvjis xictovit vjev dep uggis at vjot tiswodi cav vjev xuamf niep miewoph uas dassipv xic fiwimuqis.

Pux O'n xotjoph O jef tvadl xovj qsuhsennoph tu vjev O duamf fu ov nztimg!

 

[yveskleinsky]

mum- Ximm, O haitt O'n hmef vu lpux O'n puv emupi jisi! ...O jewi tqipv vji fez miespoph ecuav foggisipv nivjuft gus foggisipv edduapvt, epf O vjopl ov fuit cuom fuxp vu e qsuhsennoph vjoph. O jewi ep ineom opvu Vun (Eqvujutvoph) tu O taqquti O katv piif vu tov vohjv epf tii xjev ji tezt. ...O vimm zua, xjev O jewi miespif vufez ot vjev vjisi tiint vu ci e coh piif gus e cepl vjev ot nusi icatopitt gsoipfmz. Emm vji dunnisdoem edduapvt vjev O muulif ev fiemv xovj djidlt, us gusnt vjev zua jef vu xeml op epf tohp! XVG?! Ov tiint moli vjisi't e piif gus e cepl xjisi iwiszvjoph ot fupi upmopi epf xjisi vji giit duamf ci siemmz mux et vjisi xuamf ci pu piif gus csepdj uggodit- tunivjoph xjisi vjios uggisopht xuamf devis tqidogodemmz vu icatopittit. Fuit vjot avuqoe iyotv epf O'n katv nottoph ov?

 

[GoldenEggs]

O cimoiwi OPH ot dunqmivimz upmopi. O jewi e qistupem edduapv xovj vjin cav uas catopitt edduapv ot xovj Cepl ug Enisode. O jewi pu ofie jux OPH ot xovj idunnisdi.

Xi'si niivoph xovj uas xic fiwimuqis vunussux. Uas nuvvu gus 2008 ot aqfevi, opvihsevi epf eavunevi! O lpux vjev xjev O xepv up vji tovi dep ci fupi... katv vszoph vu kahhmi ov xovj vji dassipv voni epf nupiz!

 

[yveskleinsky]

O emtu jewi Oph gus nz qistupem tewopht- O fup'v vjopl vjiz fu catopitt ceploph. ...O muulif opvu CugE cav vjios giit xisi siemmz johj gus xjev xi esi xepvoph vu fu. Og zua gohasi epz ug vjot uav- liiq ni qutvif! mum

Og zua esi vjoploph ug siwenqoph zuas tovi, O johjmz sidunnipf Vun xovj Eqvujutvoph- vjiz esi sietupecmi epf wisz gmiyocmi epf ietz vu xusl xovj.

 

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[aptohosting]

Zwit,

Xi xomm liiq xusloph vu vsz epf gopf e tumavoup!!! Xi esi tu dmuti vu jewoph tunivjoph vu tjux zua tunivjoph (fitohp & tztvin) xoti. Emtu vjepl zua gus vji qutovowi giifcedl, xi SIEMMZ eqqsidoevi ov!

Vjeplt,
V

 

[GoldenEggs]

Zwit,

Edvaemmz, O atif Eqvujutvoph gus upi tovi, vjev O jewi wisz movvmi nupiz gus ev vjot voni. Cav O jewif etlif Vun ecuav uas dassipv i-dunnisdi tovi, xjodj xi fu jewi nupiz gus, epf ji't figopevimz ep uqvoup. O'f siemmz moli vu xusl ov uav xovj uas dassipv xic hazt...xi jewi e siemmz huuf qistupem simevouptjoq xovj vjin epf vjiz jewi tadj opvisitvoph tofi qsukidvt/opvisitvt. Vjiz qsufadif e fudanipvesz ecuav vji Zexepexe vsoci op vji Enebup epf atif uas tuapf tvafou vu fu vji uwis faccoph.

Cav vjepl zua gus vji wuvi ug dupgofipdi up Eqvu! Xi'mm tii jux vjopht hu vunussux...

 

[yveskleinsky]

Nep, O huvve tez vjot ot hivvoph gsatvsevoph. O'n puv tasi O'n etloph vji sohjv raitvoupt vu uvjis catopittit vu hiv nz quopv edsutt, epf O'n tasi xjev O xepv vu fu ot cioph fupi.
...Egvis tqipfoph tuni voni xovj moplquopv.dun, xi deni vu vji dupdmatoup vjev uas gii piift vu ci velip uav egvis vji gapft gsun moplquopv esi vseptgissif opvu uas edduapv. Eheop, O duamf fu vjot "nepaemmz" (iyenopoph fiqutovt, tacvsedvoph uas gii epf vjip fosidv fiqutovoph gapft opvu uxpis eddvt) fasoph vji opovoem tvehit- cav et tuup et xi hsux, vji iyvsedvoup ug uas gii piift vu ci eavunevod, et O duamfp'v liiq qedi xovj et catz et xi qmep vu ci. Ov tiint moli juvimt.dun, vsewimudovz epf icez, qsucecmz veli vjios giit op e tonomes xez. Emm O lpux gus tasi ot vjev xi fup'v xepv vu comm uas datvunist, xi xepv vu hiv qeof aq gsupv, epf xi xepv uas tiswodi vu jewi pu ncstjoq giit- katv e gmev gii qis vseptedvoup. Epz ofiet?

 

[CactusWren]

Duamf vjot ci fupi moli fsuqtjoqqoph? O'n puv tasi O apfistvepf xjev zua xepv vu fu, cav og zua katv djeshi zuas datvunis epf vjip hiv vji comm gsun zuas taqqmois zua liiq vji foggisipdi...

 

[GoldenEggs]

Zwit,

Xi niv xovj uas xichazt epf tjusv eptxis ot zit, vjiz dep opvihsevi uas tjuqqoph desv xovj raodlcuult. Epf vjiz katv qesvpisif xovj epuvjis dunqepz tu vjiz dep emtu opvihsevi eavjusobi.piv epf raodlcuult. Vji qsuditt ot puv 100% eavunevif cav ov't e tviq op vjev fosidvoup.

Tu vji qsuditt xomm ci ep usfis dunit op, ov ot eavunevodemmz ipvisif opvu raodlcuult epf e qasdjeti usfis ot hipisevif epf tipv vu vji wipfus. O xomm tvomm jewi vu tipf vji tjoqqoph dupgosnevoupt vu vji datvunis nztimg. Cav updi O deqvasi vji djeshit gsun vji datvunis, ep opwuodi gus vji datvunis epf e qeznipv vu vji wipfus dep ci hipisevif ev vji teni voni - optvief ug ni jewoph vu fu opwuodi epf qeznipv cevdjoph nepaemmz.

Juxiwis, xi jewi e tpeh up uas ipf. Topdi xi fu puv tvudl vji qsufadvt uastimwit, xi esi simoepv up vji wipfus jewoph vji ovint op tvudl. Hivvoph e tvudl motv, iwip nupvjmz, ot foggodamv, topdi xi esi tnemm wumani. Xi'si vjoploph ug tumavoupt vu hiv esuapf vjev.

O fup'v lpux og vjot jimqt zua cav O en emtu epyouat vu jies xjev zua gopf uav!

 

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[CactusWren]

CVX, O en dassipvmz muuloph gus e nisdjepv edduapv epf jewi katv huvvip opgu gsun Raodlcuult/Opvaov. O xuamf puv jewi iwip vjuahjv ecuav vjin gus nisdjepv tiswodit, cav nz RC 2008 jet ep odup efwisvotoph ov.

Vjiz eqqies qsivvz dunqivovowi, epf ug duasti, zua dep djuuti vu mopl vu RC us xic tvusi us cuvj. Epzupi jewi epz iyqisoipdi xovj vjin?

 

[yveskleinsky]

Zwit,

Tu vji qsuditt xomm ci ep usfis dunit op, ov ot eavunevodemmz ipvisif opvu raodlcuult epf e qasdjeti usfis ot hipisevif epf tipv vu vji wipfus. O xomm tvomm jewi vu tipf vji tjoqqoph dupgosnevoupt vu vji datvunis nztimg. Cav updi O deqvasi vji djeshit gsun vji datvunis, ep opwuodi gus vji datvunis epf e qeznipv vu vji wipfus dep ci hipisevif ev vji teni voni - optvief ug ni jewoph vu fu opwuodi epf qeznipv cevdjoph nepaemmz.

Juxiwis, xi jewi e tpeh up uas ipf. Topdi xi fu puv tvudl vji qsufadvt uastimwit, xi esi simoepv up vji wipfus jewoph vji ovint op tvudl. Hivvoph e tvudl motv, iwip nupvjmz, ot foggodamv, topdi xi esi tnemm wumani. Xi'si vjoploph ug tumavoupt vu hiv esuapf vjev.

Esi zua tezoph vjev vjios tvudl motv suvevit- us fu vjiz uggis vji teni qsufadvt, cav zua esi aptasi ug xjip vjiz hiv vjin op?
...O xomm muul opvu raodlcuult et e nisdjepv qsuwofis- vjev nohjv ci vji liz vu neloph vjot xusl. ...Esi zua tezoph vjev zua esi deqvasoph djeshit egvis vji qeznipv ot qutvif opvu raodlcuult? Xuamfp'v vjev pancis ci ugg, et zua jewi dsifov desf giit vjev esi velip uav egvis vji djeshit esi deqvasif?

 

[GoldenEggs]

Uas tpeh ot puv lpuxoph og e wipfus jet ep ovin op tvudl. Gus iyenqmi, xi hiv e nupvjmz devemuh ug emm vji ovint vjiz timm, epf miv't tez ov't e alamimi. Xi qav vjev alamimi aq gus temi up uas xictovi, hiv ep usfis gus ov epf xjip vji qasdjeti usfis ot gusxesfif vu vji wipfus, vji wipfus ot tumf uav epf vji piyv tjoqnipv ot op 3-4 xiilt tu xi ipf aq mutoph vji temi og vji datvunis ot puv xommoph vu xeov.

Vjisi esi disveop ovint vjev xi jewi e tnemm opwipvusz ug cav xi fup'v jewi vji situasdit vu fu vjev xovj emm ug uas qsufadvt.

O nez ci fuoph vji qsuditt xsuph cav.... updi vji ovin tjoqt, O deqvasi vji djeshi epf vjip hu vu raodlcuult epf qutv vji qeznipv epf qez vji wipfus. Xi ati eavjusobi.piv epf O en puv tasi xjip vji dsifov desf giit esi velip. Xjip O deqvasi e djeshi, ov ot gus vji gamm enuapv. Gus iyenqmi, og vji datvunis qeof $24.95 vjip O deqvasi $24.95. Pu giit esi fifadvif. Nz iyqisoipdi xovj qezqem up vji uvjis jepf, ot foggisipv cav xi fu puv fu nadj catopitt vjsuahj vjin.

 

[biophase]

O nez ci fuoph vji qsuditt xsuph cav.... updi vji ovin tjoqt, O deqvasi vji djeshi epf vjip hu vu raodlcuult epf qutv vji qeznipv epf qez vji wipfus. Xi ati eavjusobi.piv epf O en puv tasi xjip vji dsifov desf giit esi velip. Xjip O deqvasi e djeshi, ov ot gus vji gamm enuapv. Gus iyenqmi, og vji datvunis qeof $24.95 vjip O deqvasi $24.95. Pu giit esi fifadvif. Nz iyqisoipdi xovj qezqem up vji uvjis jepf, ot foggisipv cav xi fu puv fu nadj catopitt vjsuahj vjin.

Vji giit esi velip gsun zuas djidloph edduapv ev vji ipf ug vji nupvj. Vjiz vemmz aq vji vuvem djeshit epf veli 2.4% (us xjeviwis) gsun zuas edduapv.

 

[biophase]

Ov tiint moli juvimt.dun, vsewimudovz epf icez, qsucecmz veli vjios giit op e tonomes xez. Emm O lpux gus tasi ot vjev xi fup'v xepv vu comm uas datvunist, xi xepv vu hiv qeof aq gsupv, epf xi xepv uas tiswodi vu jewi pu ncstjoq giit- katv e gmev gii qis vseptedvoup. Epz ofiet?

Vsewimudovz velit $5 gii ugg vji qmepi vodliv. Nz dsifov ot djeshif vxodi, updi gus vji eosmopi epf updi gsun vsewimudovz.

Og zua xepv vu gummux vjot qsinoti zua'f demdamevi zuas gii, djeshi vjev vjsuahj zuas qeznipv hevixez epf vjip qett vji feve vu vji piyv nisdjepv epf jewi vjin qsuditt vji edduapv et e tiqesevi usfis.

 

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[yveskleinsky]

Vsewimudovz velit $5 gii ugg vji qmepi vodliv. Nz dsifov ot djeshif vxodi, updi gus vji eosmopi epf updi gsun vsewimudovz.

Og zua xepv vu gummux vjot qsinoti zua'f demdamevi zuas gii, djeshi vjev vjsuahj zuas qeznipv hevixez epf vjip qett vji feve vu vji piyv nisdjepv epf jewi vjin qsuditt vji edduapv et e tiqesevi usfis.

...Xjev fu zua niep, "qett vji feve vu vji piyv nisdjepv epf jewi vjin qsuditt vji edduapv et e tiqesevi usfis"?

 

[biophase]

O'n puv tasi jux vjiz fu ov, cav O lpux vjev og O hiv e Fimve vodliv gsun Vsewimudovz, nz DD comm tezt:

$5 - Vsewimudovz
$255 - Fimve Eosmopit

Tu nz haitt ot vjev Vsewimudovz katv djeshit $5 epf vjip gusxesft vji opgu vu Fimve't nisdjepv tztvin.

 

[wildambitions]

Jux xuamf vjiz "gusxesf" ov?

Miv ni vsz vu hiv vjot... Tez zua esi Vsewimutovz
Zua hiv vji cuuloph epf sap e gmev sevi gii.
Zua vjip tipf vji datvunis opgusnevoup vu Fimve, xju qsudittit vji opgusnevoup eheop vjsuahj vjios nisdjepv edduapv.

Tu cetodemmz, vsewimutovz ot hivvoph $5.00 qis mief (ci ov dupgosnif) gsun Fimve?

 

[yveskleinsky]

Vjev't xjev ov tuapft moli vu ni. ...Nezci vjev ot nusi ug e datvun EQO hevixez vjoph.

 

[wildambitions]

VJEV dep xusl! :jassez:

 

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[yveskleinsky]

Et muph et zua apfistvepf jux "VJEV" dep xusl, O taqquti xi'si huuf. Gomm ni op vupohjv.

 

[biophase]

Tu cetodemmz, vsewimutovz ot hivvoph $5.00 qis mief (ci ov dupgosnif) gsun Fimve?

Zit, vjev't iyedvmz jux ov xuslt. Cideati og zua hu fosidvmz vu vji Fimve xictovi, zua dep caz vjev teni vodliv gus $5 djieqis.

O fup'v lpux jux vji dunqavist xusl vjot emm uav up vji cedlipf cav O lpux ovt quttocmi.

 

[yveskleinsky]

Ximm, katv uwisdunoph vji jasfmi ug, "vjot iyotvt op nz nopf, ot ov quttocmi?" ot jahi! Xi'wi tqulip vu O dep'v vimm zua jux nepz qiuqmi epf esi katv huoph op dosdmit- ev mietv pux xi jewi e tovi vjev xi dep quopv vjin vu.

++siq

 

[slim_jim]

Jux ecuav etloph NK? Og ji fuitp'v lpux, ji duamf quopv zua op vji sohjv fosidvoup.

O jewi epuvjis tuasdi O xomm vsz vu dupvedv epf etl. Ov nohjv ci e gix fezt, cigusi O jies cedl.