Handling store payments

Check out WePay. People can create accounts attached to a larger marketplace allowing marketplace sites to send payments directly into the seller's subaccounts. They also allow the main account to take a percentage of each sale automatically.

The API seems to be much cleaner than PayPal's.

https://www.wepay.com/developer/platform/

It supports it. You send each order to the WePay checkout/create API to create separate checkout ID's for each store and then send the customer to WePay to complete checkout for all of them as one transaction. There is also an API function to send a fee to the parent account (the site owner) automatically, removing the requirement for billing if the site needs this option.

This guy: http://www.alanpinnt.com/category/wepay/ has made several WePay plugins and may be of assistance. Personally I would like to see Paypal and WePay supported as I think only supporting one payment processor, especially PayPal, is a major risk to the site owner and merchants considering Paypal's history with locking funds.

--- EMAIL FROM WEPAY FOLLOWS ---

Dominic (WePay Support)

May 01 10:13 am (PDT)

Hi Christopher,

To answer your question, this is achievable with our API. You would need to create WePay accounts for your vendors to receive their portion of the funds. In your example, you would need to execute three separate checkouts on the back end using the /checkout/create call. This ensures your users will only need to enter their information once for the checkout.

Please let me know if you have further questions.

Best,
Dominic

ChristopherFriend

ChristopherFriend

May 01 06:53 am (PDT)

Hi,

I wanted to know if there is a way to send payments to multiple accounts
at once in the API.

An example:

1) User goes to an Etsy type marketplace and adds 3 products from three
different vendors into the cart
2) User goes through checkout and selects Wepay as the payment option
3) User pays, money for each cart goes into the merchant's Wepay account

Thanks,
Chris

Wepay looks fabulous and love the clean interface. The major problem is that only US citizens can receive payments.

Paypal will be the more internationally viable option for our community.

I think we need to explore every payment method possible. I'm going to see if I can implement a Drupal Commerce Wepay plugin and then modify it to interface with the marketplace addon. I managed to make one for Prestashop, I just need to see if I still have the code floating around.

Amazing work. Just caught up with this issue and examined the demo and code structure. Great stuff.

From working on a marketplace project, my advice would be to implement a "funds structure" and then connect it to PayBack order method.

The advantage of this approach is that when people buy stuff from individual stores, we credit the stores themselves. Subsequently you can generate payback orders to then balance what was owed for what was bought. It also gives us a few stages to deduce any marketplace fees, coupons, etc.

I've been looking at Dwolla - and if you haven't checked it out yet you really should. It's getting incredible traction in the non-credit card world. Also - a new 16 million dollar investment may secure their place in the future world of non ACH payments.

It also provides a facilitator fee, so payments could be made directly to a store (without any need for escrow or a dwolla esque bank - everything is done within Drupal).

I know this isn't the credit card solution everyone is after - but Dwolla is rapidly expanding their API (and has some interesting user-creation calls) that I think will help lower the bar for entry.

At the end of the day - if you have a niche marketplace where users dont mind registering - this could be perfect. I specifically like their guest-checkout with the ability to pay without an account using your routing & account number.

ALSO the transaction fees are the best on the web. 25 cents if > 10$, free if under 10$.

My guess is that all of these payment methods could be made to work, but I doubt you'll satisfy anyone by establishing a hard requirement on a vendor-specific payment method. If one or two of you have a client willing to contribute some of the work back on drupal.org, then perhaps you can choose one option that works best for you and build it together. This approach will let you establish whatever additional payment code/api you'll need in a commerce marketplace and still focus on getting an end solution.

Admittedly, tough stuff though, especially once you *throw in* international requirements. Personally, I'd recommend Stripe...

That is wonderful! I have a few on the books for August - so perhaps we can tackle a few more then.

Just an idea from me.
Scenario 1 : How if there's an option to pay through deposit. just like a voucher, seller and buyer buy deposit or voucher from marketplace, and they using it to transaction on marketplace.

Scenario 2 : marketplace as a payment gateway. when buyer buy some goods to seller on marketplace they send the money to marketplace. Marketplace send confirmation to seller that buyer have been pay the bill so let the seller send the goods. buyer need to confirm that the goods was arrived so let the marketplace send the payment to seller.

I am not sure if what I will say is out of scope,but keep an eye on this:
As we are interested in a marketplace,where everyone can have a different way of sending/accepting payments,it would be great if there was a universal way of payment.
This is what Mozilla is working on with the Web payments API.
Also,there is this company https://meritora.com/ which we can keep an eye on. http://cardnews.drupalgardens.com/content/new-payments-company-meritora
In this article,I can read about the Dwola company .
I hope the above make sense.
thanks

Thanks!!

This looks great.
Could you perhaps provide a few steps on how to test this? I can see the store funds accounts on every shop but I am unable to get funds transfered to them.
Which rule should I edit?
Most importantly: When someone buys from several shops, how do I make sure that only the funds belonging to the right shop gets transfered to that shop and not the complete order total?

oh, to answer my first question, the rule is of course "Make payments to stores", but I haven't been able to get it working just yet.

edit: this log entry may provide a hint: "Unable to get variable store_orders, it is not defined."

This is great! Question: Are you planning to implement the PayPal Delayed Chained Payment Method as well? From a security perspective, I think the paypal method has some advantages over the funds transfer method.

Hello!

I have this module installed and I'm trying to get it working but I'm afraid I really don't understand exactly how it works. For the moment, I have created stores related to users, and have created products by these users (stores). I realized that when I create a new store, it's created a new account fund for the store. When I buy a product from this store (using a fake payment) I see that the counter of this fund is automatically increased with the value of the product. This is great, but I still don't understand where the payment is done to the store itself. I mean, how this funds are really transferred to a store's bank account? It's going to be automatic? If so, which method is going to be used to do this payments? Or maybe with the withdrawal funds the store will be able to withdraw these funds manually?

Thanks for all and sorry for being so dumb! :P

You can also reuse code here https://drupal.org/project/adaptive_payments

Hello,

I have been looking at the following for possible payment solutions:

Balanced Payments- US, Canada and UK
Braintree Payments- US, Canada, Australia and Europe

@farhadhf would sponsorship of development for either of these payment methods be possible? Preferably Braintree so that more users can use it.

Please let me know.

Thanks,

Ev

as described in this link, https://drupal.org/project/adaptive_payments, is following example possible?
Example: On a market place site, sender makes a payment for a product, Site owner (primary receiver) gets 10% and the balance is send to the stall owner. Or, as with the children party example above, the primary receiver can be the event organiser.
I mean is it possible for a site owner to set percentage for all seller accounts? I need this for commerce auction.

Is that functionality of adaptive_payments is implemented over here? https://github.com/amitaibu/commerce-paypal-chained/blob/7.x-1.x/it

We are also building marketplace. We dont use this Farhadhf´s solution, but we are facing the problem of payments too.
Finally we decided to use Paypal Adaptive Payments - Parallel payments.

After having it almost finished and after having done a lot of tests, here are some my observations:

There are some caveats for sellers with Paypal´s requirements. These are mainly following:
- must have Paypal account
- account must be verified
- in order to being able using it effectively, requirement to upgrade it to Business type of account, otherwise there are limits for amounts processed.

For example we discovered, that if seller´s Paypal account hasnt been verified, Paypal wont allow to pay for order of that seller by credit card. After redirecting to Paypal payment page, you get displayed only option to pay by Paypal account or to create new Paypal account. No option, or form, for payment by credit cards. This is even worst, because if buyer has in his shopping cart items of 5 different sellers, this disables the payment by credit card for entire order, for products of all 5 sellers. Only because one of sellers dont have his Paypal account verified.
So now we are working on solution, that we will check if Paypal account email address entered by seller is verified or not. If not, some actions will be taken, we havent this decided yet.

So, if you are looking for easy and lightweight solution, enabling your sellers to start selling at your marketplace quickly, Paypal is not the way unfortunately.

The above is probably the biggest problem with Paypal from my point of view. Then, as Farhadhf mentioned in his first post, Paypal is expensive. I think it really is. But this is also very subjective, depending on focus of your marketplace. Fortunately, this is not that big issue for us, because we are not taking commisions at our marketplace.

Besides the above, the rest of experience is rather positive. It is a robust, reliable and it all works as expected. We found, that Paypal will process you payment for more that declared limit of 5 sellers. But we will not relly on this and we have limited the maximum sellers in shopping cart/order for 5.:)

Hope this helps.

Dear farhadhf,
I read your post about 'Commerce Payback' so I followed the instructions at https://drupal.org/sandbox/farhadhf/1588182. but as per one instruction i couldn't find PayPal Adaptive Payments NVP SDK at
https://www.x.com/sites/default/files/PayPal_Platform_PHP_Nvp_SDK_0.zip link also please give me the exact link for 'commerce_paypal_simple module'. Please also let me know if there are any other alternatives for paypal delayed chain method, especially If there are two sellers i.e. the store owner and the site owner. I am very new to drupal but I shall take efforts to integrate paypal with your commerce marketplace if required.

Dear farhadhf,
You have written a module for mangopay to handle store payments, but mangopay is available only for companies registered in europe. So Do you have other solutions available to use this module?

Dear farhadhf,
whenever you have time, please integrate paypal delayed chain with this marketplace for beginners like me.

Hello All,

I have read all the documents, It was quite helpful. I have downloaded the module marketplace, I know it is not completed yet but still I would like to give it a go. There is no readme file attached can some one explain how it works?
PS: I am using market place with paypal adaptive methods, Is this possible with this module or with any other. Please suggests

Thanks

Hello Farhad,

I would like to set up a simple market place along with adaptive paypal method. I have installed marketplace set of modules and cloned the sandbox module commerce_payback.
I am still not getting the flow. Can you guide me.

Thanks

New to the thread, I posted this in Commerce Funds originally..

Basically, what I want to do is keep a separate container of money per user to act as a user balance / store credit.. ex., user receives part of an order that is bad, the store grants them credit back - I want it to be based on real money, like a 'credit order' with a credit line item. This drops into their user balance, and any new order has the credits applied before final payment is calculated. This flow basically is predicated on me treating my stores orders as invoices, which they basically are, and I wind up with a very accountable system.

It doesn't matter if all the automation isn't quite there, I just need the capability to store things properly, I can code the Rules and actions to get the business logic I am after.

So for me, I am not treating Drupal like a bank per-se, I am keeping a running customer balance that is not explicably linked to orders. The user never deposits funds, the application will automatically (based on some conditions) and then the system uses funds for them automatically on any following orders.

Is there any thought/roadmap to using Paypal for payments?

I'm looking to build a US-based payment system. Unfortunately, MangoPay can't help me in that regard.

What's the progress or holdups on integrating Paypal Delay Chained payments? Anybody have any code or anything? Doesn't matter if it's ugly.

For me, I don't really have a need to do two different accounts per shopping cart. I could force each person to add only items from a single store.

Any solution like for that use-case?

I looked at Pay Leap http://www.payleap.com and they charge $19.95 per month per account, and also each payment to each account would incur a 29 cent fee on top of the 1.89-2.89% percentage. So it'd be us sending in separate transactions to them. Yuck.

Another thing that's important to me is being able to use a credit-card reader. Doesn't seem like there's a way to do this with Drupal Services or anything, huh? Using Drupal Services would mean it'd just populate the cart form with the proper information rather than dealing with the merchant. Anybody seen anything?

Hey there folks,

Looks like there's an old D6 module that serves as an API for Paypal Chained Payments: https://drupal.org/project/adaptive_payments

Anybody know anything about it? I'm about to dig in. At a minimum some of the functions will be useful.

Peace,
Jeremy (glass.dimly)

@glass.dimly there is a separate issue for this regard https://drupal.org/node/2184455

Note, for those interested in Stripe Connect integration, a separate issue exists here: https://drupal.org/node/2138171

@farhadhf, could you please inform us about the following:

1. What is the status of

"I'm making some architectural changes in Commerce Marketplace Funds module to make it possible to use it with different payment processors instead of just saving funds information in Drupal database"

? How can I install processors for marketplace funds?

2. My main question is, and I think everybody here would like to know, is there any working way to handle store payments right now apart from MangoPay? (since it works only for EU based companies).

3. How to setup marketplace funds and make it work in a real world website? Is it possible?

Thanks

If Chained payment method allows up to 5 parallel receivers in each transaction, Does mangopay handles more than 5 receiver? and what are the other advantages of mangpay over paypal chain method If any?

has anyone tried to integrate 'paypal masspay' with this module as over here 'https://www.drupal.org/node/326102' or over here 'https://www.drupal.org/project/mp_wallet'

I am not sure if this is the appropriate thread, but are there methods to offload payments from orders to payments from customers? Like, a customer balance - abstracting what someone owes on an order, to what someone owes overall to the business.

This sites ,which uses Drupal Ubercart marketplace,uses Paypal adaptive payments. http://www.cargoh.com/
Is this of any help?
thanks

Could be also included Bitcoin as a payment method?E.g. using these modules https://www.drupal.org/project/cointools and https://www.drupal.org/project/commerce_bitcoin
thanks

I too would like to give sellers the option of accepting bitcoin but it doesn't seem like this is to the point where it can accept traditional central bank currencies. I'm a little confused as to whether or not Commerce Marketplace Funds management works or how it works with no payment gateways, not counting the for dev only mangopay sandbox project. If it's a matter of money perhaps we could talk about crowdfunding these developers? I guess it would need to be known how much was needed.

Hi,
how Commerce marketplace could handle "Cash on delivery" for site owners?
Perhaps take a percentage of the product after using the Cash on delivery method?
If anyone has done this please post this here,thanks

Hi,
I have the same questions as @shamil.f in post #48.
- How can I install processors for marketplace funds?
- How to setup marketplace funds and make it work in a real world website?

@farhadhf, there were no any comment for more than 1 year.
I am VERY disappointed how Drupal team provides support and description for modules.
I spend 1 year searching the right solution for my problem, I contacted several times @farhadhf directly for a paid support. No any feed-back so far. I think Drupal is not the right platform for me.
VERY, VERY disappointed !!!

Drupal being open source and decentralized he may have made this module on his own and abandoned it when he found something that paid better (or at all). I ended up going with ubercart marketplace which works for d7 despite that version being in dev. the developer no longer does freelance but he will answer questions if you contact him directly. I don't know if it will work for your project. This developer should have noted on the page that this project was no longer in active development or supported if he intended to abandon it. Hopefully it's not a situation where he was unable to.