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PAYMILL is a European credit card processor that allows you to accept donations directly on your website. It is a fast and easy way to accept payments online with top-notch support.

To get started with Paymill, you’ll need API keys and a PayPal account. These can be retrieved by logging in with your Paymill account to the Development > Test/Live Keys menu.

API Keys

API Keys allow you to control the number of calls made by a particular application or project. They can also identify usage patterns, which is crucial in detecting issues or malicious traffic.

Security of API keys is based on representational state transfer (REST) authentication, which controls the data an API can access. This prevents attackers from introducing malicious data to an API or exposing it to outside users.

While API keys are not as secure as tokens that provide authentication, they can be used to designate usage information to a specific project and reject unauthorized access requests. Additionally, API keys can be used to restrict their use to a particular environment, such as an IP address range or an Android or iOS app.

An API key is a unique code that identifies a project or application when it makes a request to an API. This helps ensure that the API server can easily associate usage information with a particular project and filter incoming calls from unauthorized projects.

Because of this, it’s important to follow API key best practices when generating and using them in your integrations. This includes not adding them to your code repositories, like Github or Bitbucket, and only integrating with APIs that offer HTTPS.

It’s also important to keep your API keys in a safe place so they don’t fall into the wrong hands. If they do, make sure you revoke them immediately and replace them with new ones to minimise system interruption.

You can find your API keys in the Dashboard Settings. Click on Developers > API credentials to view a list of all your API credentials linked to your account.

You can also change your API keys by clicking on the refresh button below each one. This will invalidate the key at the account level, but it can be undone later if you’d like to do so. Changing your API key will invalidate all requests that use it, so be careful not to do this while a payment is in progress.

Credit Card Numbers

The numbers imprinted on credit cards represent a complex set of information that helps them operate correctly. Whether you’re shopping online or at the supermarket, these numbers provide crucial details that help retailers and merchants identify your card and its owner.

They’re also vital to helping you protect yourself against fraud and other threats, including identity theft. Learn more about what these numbers mean and how you can use them to your advantage.

Typically, credit card numbers are 15 or 16 digits long, but they can be as many as 19 digits in some cases. These digits are broken down into four distinct parts: The first digit is the major industry identifier, known as MII; the second through sixth digits identify the payment network and financial institution; the seventh through fifteenth digits identify unique information related to the cardholder name and issuer, such as a check digit or security code; and the last digit is a checksum, or a hexadecimal number that makes sure all digits are divisible by 10.

Aside from being used for transactions, these numbers also serve other important functions. The MII identifies the card’s issuing entity, which may be a single company or a group of entities. The second digit identifies the payment network, which is usually Visa, Mastercard, Discover or American Express.

The third digit is the card’s issuer identification number (IIN), which is used to distinguish the card from other credit cards issued by the same company or organization. IINs can vary from six to 12 digits, but typically are between 13 and 19 digits for Visa and MasterCard cards.

Each card number also includes a check digit, which is designed to minimize the number of errors that might occur when typed in or transferred between people. It also helps protect the cardholder against unauthorized use, such as hacking or phishing.

All of these factors make credit and debit cards a popular form of payment, but they can also be a target for identity theft and other financial crimes. As a result, it’s important to know what to look for when reviewing credit card numbers.

Subscriptions

Subscriptions are a type of business model in which customers pay a fixed sum of money each month or year for access to a product, service, or group of goods. A subscription may be paid in one lump sum for a period of time (for example, an annual subscription to a magazine) or as recurring payments that are activated on a regular cadence (for example, a monthly gym membership).

The primary advantage of using a subscription model is that it saves businesses from having to spend money on marketing their products to potential new customers. This helps companies reduce their overall marketing costs and focus more on word-of-mouth referrals from current customers.

Another benefit of a subscription model is that it provides an incentive for customers to become repeat buyers. For example, a customer who subscribes to a magazine will receive a discount for each additional year that the magazine is purchased.

In addition to reducing customer acquisition costs, subscription business models are becoming more common in consumer-facing industries like music, gaming, and sports. For these types of products, it’s crucial to create a coherent subscription plan that reflects the value the customer is receiving.

You can configure your subscription plan to include different levels and durations to provide your users with different features and benefits. These should be well-thought-out and cohesive, which will build trust with your customers.

As part of your subscription plan, you should also set up a billing cycle and create invoices that your customers will receive at the end of each billing cycle. Invoices help you track and manage recurring charges, and they can be generated and sent via Stripe’s invoice API.

If your integration generates invoices, you must make sure that the subscription is charged as expected and that the payment succeeds. To test this, you can use test clocks to simulate billing cycles.

If the payment fails, the subscription status is changed to past_due and the PaymentIntent status changes to requires_payment_method or requires_action. When the payment succeeds, the subscription’s status changes to active and the invoice is successfully paid. Depending on your payment method, this can occur immediately or it may take several days to process.

Refunds

Refunds are money that a customer can request after they cancel a purchase or return an item. They can be issued in a full or partial amount.

This can be done in one-shot or in several parts (depending on the amount refunded) and is usually sent back to the credit card / direct debit of the original transaction. The refunds are handled by an extra entity, which consists of a transaction object and a response object that gives the outcome of the transaction (whether it was successful or not).

The response object contains the card number, expiry date, CVV, and other information, which is passed to the card issuer for processing. The card issuer then sends the refunded amount to the customer’s account.

Students should always be aware that they may owe money on their online bills, even after receiving a refund. This can be due to past due balances, changes in registration or other issues that have occurred. In addition, federal aid regulations limit funds from one academic year being used to pay off an amount owed from a previous year.

If a student receives a refund, they should review their online bill and make sure that their payments are up to date to avoid problems with registration or financial aid in the future. This is particularly important for those who receive financial aid based on their loan monies, which can be subject to overage charges when the student exceeds the limits of their loans.

A student can also choose to get their refund as an electronic deposit directly into their bank account – any US bank. This can be a safer and faster way to receive a refund than waiting for a paper check.

To use this feature, you’ll need to have a Paymill account and a live private key and public key. You’ll find these keys in the API Keys tab of your Paymill dashboard.

You can then enable the feature by checking the Enable Refunds checkbox in the Paymill Settings panel. Then, in the Payments page, click Refund and select a reason for the refund. This will trigger the payment to be refunded, and your available Stripe balance will be reflected in the Refunded payments page of the Dashboard. If the balance is not enough to cover the payment, Stripe debits the remaining amount from your bank account.