Credit card payment gateway in PHP? [closed]

Question

I need to process credit cards and integrate with backend payment services to credit them. The majority of solutions on the internet require an intermediary, eg. 2CO, GCO, Auth.net.

Do you have any experience with implementing a credit-card payment gateway in PHP? Any help in appreciated.

Thanks for your time.

Answer 1

Stripe has a PHP library to accept credit cards without needing a merchant account: https://github.com/stripe/stripe-php

Check out the documentation and FAQ, and feel free to drop by our chatroom if you have more questions.

Answer 2

If you need something quick and dirty, you can just use PayPal's "Buy" buttons and drop them on your pages. These will take people off-site to PayPal where they can pay with a PayPal account or a credit card. This is free and super easy to implement.

If you want something a bit nicer where people pay on-site with their credit card, then you would want to look into one of those 3rd part payment providers. None of them (that I'm aware of) are completely free. All will have a per-transaction fee, and most will have a monthly fee as well.

Personally I've worked with Authorize.NET and PayPal Website Payments Pro. Both have great APIs and sample code that you can hook into via PHP easily enough.