Member Avatar for uvray90

Hello Friends...:)
I am a part time web designer and small time PhP developer by side. I recently got a request from one of my clients that he needs a site in which he is offering some service( some spiritual advice kind of stuff based upon your date of birth ) and he need to be able to take payment( rarely might someone use the service and even if using it then not that big amount) from his customers through debit card( or credit card) through the site online. I heard about PayPal then. Is PayPal charging some money for registering ? Or is there any initial amount or any amount i have to pay monthly and how does he get the money directly to his account.(or is there any option that is totally different other than PayPal)?? I Googled and got fully confused!!:'( Please guide....:)

Thank you...

  • 3 Contributors
  • 4 Replies
  • 201 Views
  • 2 Weeks Discussion Span
  • Latest Post Latest Post by RazorRamon

Dani AI

Generated

Following ’s question and the pointers from and , the practical takeaway for a small, infrequent‑payment site is simple: let a payment provider handle the card entry and authentication (guest/hosted checkout or a tokenized drop‑in). Many providers let buyers pay by card without creating an account (guest checkout), but debit PINs are not part of online card payments and must never be requested. (paypal.com)

A firm warning about PINs: a card PIN is for card‑present authorisation (ATM/POS) and secure PIN entry devices. Asking customers to type their PIN into a web form is a major security/compliance red flag and is explicitly prohibited by PIN security standards. For online purchases, the usual data are card number, expiry and CVV; stronger online auth uses 3‑D Secure/OTP flows. (scribd.com)

Integration choices that match a small project:

  • Lowest effort / lowest compliance: hosted redirect or payment links (PayPal Checkout, Stripe Checkout). The processor handles card data.
  • Moderate effort / nicer UX: tokenized in‑page UIs (Stripe Elements, Braintree Drop‑in) — card fields live in an iframe and the site only receives a token/nonce.
  • Highest effort / highest responsibility: direct server‑side card capture (classic DoDirectPayment / Payments Pro). This requires a merchant account and full PCI obligations and is usually overkill for occasional, low‑value services. (stripe.com)

Concrete next steps for the thread’s scenario: set up sandbox/test accounts (PayPal/Stripe/Braintree), try a hosted payment link to confirm flow, implement webhooks/IPN to mark orders paid and trigger delivery, serve checkout pages only over HTTPS, and keep refunds/chargeback handling in mind. If direct card capture becomes necessary later, engage the acquiring bank and a PCI QSA — otherwise stick with hosted or tokenized options. (paypal.com)

Recommended Answers

All 4 Replies

Member Avatar for simplypixie

You could try Google Checkout but either way, if you are confused now, I am afraid it will only get worse when you try to integrate a payment system.

In answer to your questions about Paypal, your client will need a Paypal business account which is free to set up and no monthly fee unless you go fro the Pro account. They will charge a percentage plus 20p per transaction (at the moment the highest is 3.4%). Customers can pay by logging into or setting up a Paypal account or just by entering their card details when they are sent to make payment at the Paypal website.

Member Avatar for uvray90

You could try Google Checkout but either way, if you are confused now, I am afraid it will only get worse when you try to integrate a payment system.

In answer to your questions about Paypal, your client will need a Paypal business account which is free to set up and no monthly fee unless you go fro the Pro account. They will charge a percentage plus 20p per transaction (at the moment the highest is 3.4%). Customers can pay by logging into or setting up a Paypal account or just by entering their card details when they are sent to make payment at the Paypal website.

Thanks for the reply SP.
But is it possible for the customer to enter his/her debit(ATM) card details plus PIN through PayPal and pay me online without him having a PayPal account?

Member Avatar for simplypixie

If you have a business Paypal account then they can pay you and you forward the money to the client.

Member Avatar for RazorRamon

Look into DoDirectPayment API with paypal. To my knowledge it charges the users card directly without them needing a paypal account.

Be a part of the DaniWeb community

We're a friendly, industry-focused community of developers, IT pros, digital marketers, and technology enthusiasts meeting, networking, learning, and sharing knowledge.