您所说的是成为支付服务提供商.我去过那里并做到了.大约 10 年前比现在容易得多，但如果您有大量的时间、金钱和耐心，那么它仍然是可能的.

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.

您需要联系收单银行.你没有说你在世界的哪个地区，但我的意思不是当地的银行分行.每个主要银行通常都有一个单独的收卡部门.所以在英国，我们有(例如)Natwest 银行，它使用 Streamline(或 Worldpay)作为其收购部门.总的来说，尽管我们拥有数十家主要银行，但它们最终都使用了大约五家收单机构中的一家.

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.

令人高兴的是，所有英国收单机构都使用标准协议来传达授权请求和日终结算.您会发现一些小问题，其中一些收单银行支持某些功能并且语法略有不同，但差异相当小.英国标准由支付清算服务协会 (APACS)(现在称为UKPA).这些标准通常仍称为 APACS 30(授权)和 APACS 29(结算)，但现在正式称为 APACS 70(第 1 至第 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 标准在英国得到广泛支持(Amex 和 Discover 也接受这种格式的消息)，但并未在其他国家/地区使用 - 每个国家/地区都有自己的 - 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 - 请参阅 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行沟通.不过，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，为所有主要收购方提供连接，它们被称为 TNS 并且有许多通过它们与收单银行通信的方式，从拨号 9600 波特调制解调器、ISDN、HTTPS、VPN 或专线.最终授权请求将转换为X25协议，这是这些收单行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.

总而言之:这完全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，并尝试与他们的收卡部门取得联系.
• 说明您要设置为支付服务提供商，并请求有关授权请求和日终结算文件的通信格式的详细信息
• 设置测试商家帐户并开发身份验证/结算软件并完成认证流程.大多数收单机构免费帮助您完成此过程，但当您想注册为经认可的 PSP 时，有些收单机构会要求付费.
• 您还需要遵守一些规定，例如您可能需要注册为支付机构

一旦您注册并获得认证，您就可以接受客户并代表您获得认证的银行开设商家账户(请记住，每个收单行通常会支持多家银行).冲洗并在您认为必要时与其他收购方重复.

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，主要是处理 PCI-DSS.那是另一个话题，本网站上已经有一些关于此的问答.就像我说的，这是一项非凡的事业 - 即使对于一个规模合理的团队来说，也很可能是一个多年的项目，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.