I have a system that collects recurring charges from my clients. I already accept boleto bancário.
Now I want to accept payment via credit card (NOT FOR PAGSEGURO, PAYPAL, ETC) I want directly with the card operator ...
I already have a server with SSL, everything is ready.
Now I need to know the steps to be able to accept a credit card!
Thank you in advance !!
For this you need a payment gateway.
No operator or bank provides such service directly to the end consumer. There is always a gateway that is the middleman.
Paypal, for example, offers Direct Payment . This is valid only for business-type Paypal accounts located in the UK.
Nothing prevents you from negotiating directly with banks or directly with card companies. If you have influence, money, time and willingness to do so, go ahead. But you probably will not get anything because the market standard is to use gateways for the purpose described in the question.
The first step would be to choose a gateway. After that follow the instructions of the chosen gateway. Some more modern gateways provide features where there is no need to send data from the card to your server and process it in the backend. But most are done that way, which makes security more delicate. At this point it involves a lot of the ethical question because a server administrator or the programmer who created and maintains the system and even the owner of the system may act in bad faith to steal the data of the clients themselves.
In addition, sites of this type are preferred for hacking actions.
To reduce weight on responsiveness, do not store card data on your servers. Only use them for the transaction right now.
It is also very important to understand safety and ethical standards. For this see: link
link
