PHP - 获取交易百分比的最佳方式

Question

I'm building a website in PHP where users place bids on items. Once bidding has ended, a payment needs to be paid from the winning bidder to the listing owner. But, as the website owner, I also want to take a small percentage - say 5%.

So the process would be the winning bidder pays £100 to the listing owner, and I take 5% as that transaction takes place.

What's the best way of doing this?

I've read about PayPal MassPay, but I'm not sure whether it's what I need or not.

I'm in the UK too, not US - if that effects anything.

Answer 1

You can use Stripe Connect to do this if you're in the UK. You would ask your users to connect their Stripe account to your Connect Application first. You would get some data back, especially a publishable_key and an access_token which you would store on your end.

The you would use those this way:

• On the front-end along with Stripe.js or Stripe Checkout you need to use the publishable_key you got from the connected user when going through the Connect flow. You should not use your API key.

• Once you get a card token you send it to your server where you will create a charge. There, you should not set your API key but you should pass the access_token of the connected user as a second parameter to the Create Charge API. You can see some example code in the documentation showing how to collect fees.

This would automatically deposit the funds in the connected user's Stripe account minus the Stripe fee and the application_fee you chose. The fee would need to be a specific amount and not a percentage but you can calculate this on your end when creating the charge.