您正在谈论的是成为支付服务提供商.我去过那里并且做到了.大约10年前比现在要容易得多，但是，如果您有大量的时间，金钱和耐心，仍然有可能.

What you're talking about is becoming a payment service provider. I have been there and done that. It was a lot easier about 10 years ago than it is now, but if you have a phenomenal amount of time, money and patience available, it is still possible.

您将需要与收单行联系.您没有说您所在的世界哪个区域，但是我的意思不是说您在当地的银行营业.每个主要银行通常都会有一个独立的卡获取部门.因此，在英国，我们有(例如) Natwest 银行，该银行使用

You will need to contact an acquiring bank. You didnt say what region of the world you are in, but by this I dont mean a local bank branch. Each major bank will generally have a separate card acquiring arm. So here in the UK we have (eg) Natwest bank, which uses Streamline (or Worldpay) as its acquiring arm. In total even though we have scores of major banks, they all end up using one of five or so card acquirers.

很高兴，所有的英国卡收单机构都使用标准协议来进行授权请求的传达和日末结算.您会发现一些小怪癖，其中一些收单行支持某些功能，并且语法略有不同，但是差异很小.英国标准由付款清算服务协会(APACS)(现称为UKPA).这些标准仍通常称为APACS 30(授权)和APACS 29(结算)，但现在正式称为APACS 70(第1至7册).

Happily, all UK card acquirers use a standard protocol for communication of authorisation requests, and end of day settlement. You will find minor quirks where some acquiring banks support some features and have slightly different syntax, but the differences are fairly minor. The UK standards are published by the Association for Payment Clearing Services (APACS) (which is now known as the UKPA). The standards are still commonly referred to as APACS 30 (authorization) and APACS 29 (settlement), but are now formally known as APACS 70 (books 1 through 7).

尽管APACS标准在英国得到了广泛支持(Amex和Discover也接受这种格式的邮件)，但在其他国家/地区却不使用-每个国家都有自己的标准-例如:法国的Carte Bancaire，意大利的CartaSi，西班牙的Sistema 4B，丹麦的Dankort等.正在努力统一整个欧洲的协议-请参见 EPAS.org

Although the APACS standard is widely supported across the UK (Amex and Discover accept messages in this format too) it is not used in other countries - each country has it's own - for example: Carte Bancaire in France, CartaSi in Italy, Sistema 4B in Spain, Dankort in Denmark etc. An effort is under way to unify the protocols across Europe - see EPAS.org

可以通过多种方式与收单银行进行通信.同样，这将取决于您所在的地区.在英国(和欧洲大部分地区)，我们有一个通信网关，可与所有主要收购方建立连接，它们被称为 TNS ，通过拨号9600波特调制解调器，ISDN，HTTPS，VPN或专用线路，有数十种方法通过它们与收单行进行通信.最终，授权请求将转换为X25协议，这是这些收单行在相互通信时使用的协议.

Communicating with the acquiring bank can be done a number of ways. Again though, it will depend on your region. In the UK (and most of Europe) we have one communications gateway that provides connectivity to all the major acquirers, they are called TNS and there are dozens of ways of communicating through them to the acquiring bank, from dialup 9600 baud modems, ISDN, HTTPS, VPN or dedicated line. Ultimately the authorisation request will be converted to X25 protocol, which is the protocol used by these acquiring banks when communicating with each other.

总之，这取决于您所在的地区.

In summary then: it all depends on your region.

• 联系一家大银行，尝试进入其银行卡获取部门.
• 说明您要设置为付款服务提供商，并请求授权请求和日末结算文件的通讯格式详细信息
• 设置测试商家帐户并开发身份验证/结算软件，然后进行认证过程.大多数收单行可以免费帮助您完成此过程，但是当您想注册为认可的PSP时，有些收款人会收取费用.
• 您还需要遵守一些规定，例如，您可能需要注册为付款机构

注册并获得认证后，您就可以代表您接受认证的银行接受客户并设置商家帐户(请注意，每个收单行通常都会支持多家银行).视需要冲洗并与其他收购方重复.

Once you are registered and accredited you'll then be able to accept customers and set up merchant accounts on behalf of the bank/s you're accredited against (bearing in mind that each acquirer will generally support multiple banks). Rinse and repeat with other acquirers as you see necessary.

除此之外，您还有很多其他问题，主要涉及PCI-DSS.那是另一个主题，此站点上已经存在一些有关此问题的问答.就像我说的那样，这是一项了不起的任务-即使对于一个规模合理的团队来说，也很可能是一个多年项目，但它肯定是可能的.

Beyond that you have lots of other issues, mainly dealing with PCI-DSS. Thats a whole other topic and there are already some q&a's on this site regarding that. Like I say, its a phenomenal undertaking - most likely a multi-year project even for a reasonably sized team, but its certainly possible.