Introduction to Payment Gateways支付网关简介

Virtually all e-commerce sites accept credit cards as their primary form of payment.To accept credit cards,you need a merchant account with a bank.A payment gateway is simply a service which connects your Web site with the bank.While there’s a bit more to than that,in essence that’s all it is—a way to take payments online.
几乎所有的电子商务网站都接受信用卡作为他们的主要支付方式。要接受信用卡,你需要一个银行的商业账户。支付网关只是一个将您的Web站点与银行连接起来的服务。虽然还有更多的事情要做,但从本质上说,这就是它的全部——一种在线支付的方式。
virtually adv.几乎;差不多;事实上;实际上;模拟;虚拟;以模拟现实技术
essence n.本质;实质;香精;精油;
merchant account 商业账户
in essence:本质上

Typically,when a customer enters credit card details on your Web site,those details are sent to the payment gateway,which then does some hard work in the background and processes(or rejects) the transaction.It then tells your shopping cart whether the payment was accepted or rejected.All this happens in a few seconds while the customer is waiting.The money is then transferred to your bank account—when that happens depends on the term of your service.
通常,当客户在您的Web站点上输入信用卡详细信息时,这些细节会被发送到支付网关,然后在后台进行一些艰苦的工作,并处理(或拒绝)交易。然后,它会告诉你的购物车,付款是被接受还是拒绝。所有这些都发生在客户等待的几秒钟内。这些钱会被转移到你的银行账户——当这种情况发生时,取决于你的服务条款。
typically adv.通常;一般;典型的;具代表性的;不出所料;果然;
reject v.拒绝接受;不予考虑;拒收;拒绝接纳;不出售;不出版;n.废品;次品;不合格者;
the term of your service 你的服务条款

It’s a diverse industry and the description above is the most common scenario,but there are many variations on it.
这是一个多元化的行业,上面的描述是最常见的场景,但它有很多不同的变体。
diverse adj.不同的;相异的;多种多样的;形形色色的;
industry n.工业;行业;生产制造;勤奋;勤劳;
common adj.常见的;通常的;普遍的;共有的;共享的;共同的;
scenario n.设想;方案;预测;(电影或戏剧的)剧情概要;
variation n.(数量、水平等)变化;变更;变异;变异的东西;变种;变体;变奏;变奏曲;

There are three basic types of payment gateways.The first is an API(Application Programming Interface).This means that the customer never sees the payment gateway Web site—your shopping cart talks to it seamlessly in the background.This is generally the best option as it’s a transparent experience for the shopper,rather than being transferred to another site at the crucial moment of taking the money.
支付网关有三种基本类型。第一个是API(应用程序编程接口)。这意味着客户永远不会看到支付网关的Web站点——您的购物车在后台无缝地与它对话。这通常是最好的选择,因为它对购物者来说是一种透明的体验,而不是在取钱的关键时刻被转移到另一个网站。
seamlessly 天衣无缝的;无缝的;无缝合线的;无缝地
generally adv.普遍地;广泛地;一般地;大体上;通常;笼统地;概括地;大概;
transparent adj.透明的;清澈的;易识破的;易看穿的;显而易见的;易懂的;
transfer v.转移,搬迁;调动;转职;改变(环境);转移(感情);跳转(网页);
crucial moment 关键时刻

APIs sound a bit scary,but your shopping cart vendor should have done the hard work to support it,so there’s very little work for you,the shop owner,to do.The only catch with this option is you’ll need a secure certificate installed on your server.These start at around $100 per year and work their way up quickly.
API听起来有点吓人,但是你的购物车供应商应该做了艰苦的工作来支持它,所以你的商店老板几乎没有什么工作要做。这个选项唯一的问题是您需要在服务器上安装一个安全证书。这些项目的起步价为每年100美元左右,并迅速上升。
scary adj.恐怖的;吓人的;
catch with 接住;抓住;
secure certificate 安全证书

The second type is a third-party payment gateway.The customer starts the checkout process on your site,but completes payment on the payment gateway site.While this can be simpler to set up in some cases,the experience is unsettling for the customer,and you’ll probable lose a few sales.Some third-party payment gateways allow you to customize the page design.
第二种类型是第三方支付网关。客户在您的站点上启动结帐过程,但是在支付网关站点上完成付款。虽然在某些情况下可以更简单地设置,但这种体验对客户来说是令人不安的,而且您很可能会丢失一些销售。一些第三方支付网关允许您定制页面设计。
checkout n.(超级市场的)付款台;付款处;(在旅馆)结账离开的时间
complete adj.(用以强调)完全的;彻底的;全部的;整个的;包括;含有(额外部分或特征);
unsettle v.使心神不宁;扰乱;使担忧;过去分词:unsettling
probable adj.很可能发生(或存在等)的;n.可能获胜的人(或动物);可能入选者;
customize v.订制;订做;改制(以满足顾客的需要)

There are also integrated payment gateways,In this scenario,you don’t need a merchant account from your bank—the payment gateway does everything for you.For start-up businesses,this can be an easy start.Generally the fees are higher for an integrated service,but the trade-off is simplicity for the shop owner.The best known integrated gateways are PayPal and 2Checkout.
还有集成的支付网关,在这个场景中,您不需要从您的银行获得一个商家帐户——支付网关为您做了所有的事情。对于初创企业来说,这是一个容易的开始。一般来说,综合服务的费用更高,但对于店主来说,这是一种简单的交易。最著名的集成网关是PayPal和2Checkout。
scenario n.设想;方案;预测;(电影或戏剧的)剧情概要;
merchant n.商人;批发商;(尤指)进出口批发商;(某活动的)爱好者;热衷于……的人;adj.海上货运的;
merch abbr.货物;商品;
generally adv.普遍地;广泛地;一般地;通常;大体上;笼统地;概括地;大概;
trade-off n.(在需要而又相互对立的两者间的)权衡,协调;
simplicity n.简单(性);容易(性);质朴;淳朴;简单(质朴、淳朴的)人;

How to choose a payment gateway?如何选择支付网关?

The first thing you need to know about a gateway is whether your shopping cart supports it.Unless you want to do some programming,you need to check for support.Most shopping carts support at least a dozen gateways,so check the list on your shopping cart vendor’s Web site.
关于网关,您需要了解的第一件事是您的购物车是否支持它。除非您想要进行一些编程,否则您需要检查是否支持。大多数购物车都支持至少12个网关,所以要检查购物车供应商的网站上的列表。
dozen n./det.一打;十二个;十来个;

Different payment gateways support different features.The most common features that you might need include:不同的支付网关支持不同的特性。您可能需要的最常见的特性包括:

Fraud detection:If you business is susceptible to a lot of fraudulent transactions(for example,you sell digital goods or mobile phones) then you shoud ensure your chosen gateway has fraud detection technology.You may pay a little extra for this ,but it could be worth it.A shop selling woment’s fashion will have far fewer fraud problems,so the extra cost(if there is one) may not be worthwhile.Additionally,if your business is classed as “high risk”—especially adult sites—many gateways won’t take your business.
欺诈检测:如果你的业务容易受到许多欺诈性交易的影响(例如,你销售数字产品或移动电话),那么你应该确保你所选择的网关有欺诈检测技术。你可以为此多付一点,但这是值得的。一个销售女人时尚的商店将会有更少的欺诈问题,所以额外的成本(如果有的话)可能是不值得的。此外,如果你的业务被归类为“高风险”——尤其是成人网站——许多网关不会占用你的业务。
fraud n.欺诈罪;欺骗罪;骗子;行骗的人;伪劣品;冒牌货;
fraudulent adj.欺骗的;欺诈的;
detection n.侦查;探测;察觉;发现;
susceptible adj.易受影响的;敏感;过敏;好动感情的;感情丰富的;善感的;容许……的;可能……的;可以……的;
additionally adv.此外;另外;额外地;进一步;在更大程度上;

Virtual terminal:This is a place where you can log in and manually process transactions among other things.For example,if you do phone orders,a virtual terminal may be important.
虚拟终端:在这个地方,您可以登录并手动处理事务之间的事务。例如,如果您执行电话订单,虚拟终端可能很重要。
manually adv.用手地;手动地;人工地;

Recurring fees:If you have a service that takes regular payments—a monthly subscription for example—make sure your gateway supports this.
经常性费用:如果你有一个定期付款的服务——例如每月订阅——确保你的网关支持这一点。
recur v.再发生;反复出现;过去分词:recurring
regular adj.规则的;有规律的;间隙均匀的;定时的;频繁的;经常做(发生)的;n.常客;老主顾;主力(或正式)队员;老主持人;正规军人;职业军人;
subscription n.(报刊等)订阅费,订购款;订阅;订购;(向慈善机构)定期捐赠;会员费;(服务的)用户费;

Fees:Of course,the fees the peyment gateway charges are important.Be careful as there are a range of fees,and some services can get pretty imaginative on how to charge you.Fees might include a setup fee,monthly/yearly fee,fee per transaction(fixed or percentage),withdrawal fees(getting charged to get paid—amazing!),chargeback fees(these can add up quickly),fraud detection fees and possibly more.You’ll need to have an estimated number of transactions per month before you start to work out the best service for you.
费用:当然,支付网关的费用很重要。要小心,因为有一系列的费用,一些服务可以很有想象力地告诉你如何收费。费用可能包括设置费、月/年费、每笔交易费(固定或百分比)、取款费(收取费用——令人吃惊!)、退款费用(这些费用可能很快就会增加)、欺诈检测费用,甚至可能更多。在开始为您提供最好的服务之前,您需要每个月进行估计的事务数量。
a range of 一系列
imaginative adj.创新的;富于想象力的;
charge n.(商品或服务所需的)要价,收费;指控,控告;指责,谴责;v.收(费);(向……)要价;把……记账上;在某人账上记入;控告,起诉;
withdrawal n.撤走,收回;取回;不再参加;退出(组织);(从银行账户中)取款,提款;
chargeback n.退款;退单拒付;
estimate n.(对数量、成本等的)估计;估价;估计的成本;v.估价;估算;
work out 相出;得到(解决方法);计算出;(如期)发生;

There are many other issues to consider,such as accepting foreign currency,so you need to look at your individual requirements.
还有许多其他的问题需要考虑,比如接受外币,所以你需要看看你的个人需求。

in essence:本质上
a range of:一系列的
set up:设置
log in:登陆,登入(计算机系统)

API:即Application Programming Interface,应用程序接口。它是一些预先定义的函数和副程序,其主要目的是要髯该应用程序开发人员得以调用一组例程功能,而无须考虑其底层的源代码为何,无须理解其内部工作机制的细节。
shopping cart:网上购物车。使用网上购物车进行购物的一般流程:查找商品、放入购物车、提交订单、查看订单状态、收获确认。
2Checkout:2Checkout是国外一个非常著名的第三方在线支付平台,相当于国内的网银在线、支付宝等。