View Full Version : PHP Scripts to direct online payments

05-11-2009, 10:27 AM
Basically I was wondering if it's possible to direct payments via a PHP script. For example if I'm selling 3 items each from a different supplier on my website, instead of taking the payment and the funds being deposited in my account and then I redistribute the funds in my account to the 3 suppliers. Can you take payment information from your customer (just once) and then have the funds go straight to the 3 suppliers.

The reason I am asking is because having the funds go straight into your bank account first means a percentage of the money is already taken out by the bank (e.g. paypal takes 3.4% +20p from all transactions). Unless anyone knows an intermediary bank that does not take any fees or very low fees? And then to send the money from you to each supplier they are going to get charged fees as well.

So in short to have a PHP script that sends payments to the correct suppliers to start with will cut out the middle bank and save money all round.

I'm fairly new to this, I've read a lot up on it on what I can find on the internet and have basically come to the conclusion that who ever handles your money takes a cut so therefore I need to cut out the middle bank.

Any ideas?

Thanks in advance.

05-11-2009, 02:51 PM
What you want cannot be done ...

I should add, it could only be done if all 3 banks agreed to let you have access
to them for depositing money, but they of course won't do that. Even though
doing things "online" is "automatic", it does cost money ... that's the whole point
of using a service such as authorize.net

One might ask, "why don't I just go to your supplier and cut you out too?"

Transaction fees are just a part of doing business, I guess.

05-12-2009, 09:20 PM
Yes true the customer may go straight to the supplier to cut me out, I'm not trying to make any profit by taking a cut anyway (make a profit on advertising) but the idea was an easy way to compare prices without viewing a million different web sites. I just thought there may be the slightest chance of simulating all the data that is sent when you for example send a payment being logged into paypal. I was skeptical that it would work, would be nice if there was a way. Thanks for the reply anyway.