How to create a personal payment system on the site?

Question

PHP

Good day. The customer wants his own payment system on the site (not a third-party connection, but his own). Who can tell how long this will take, in what language to write the system, and how does interaction with bank cards generally take place?
I know about the fact that it is necessary to draw up a bunch of documents.

Answer 1

1. Some payment systems can be embedded in the site page. It will seem that the payment system is its own. Perhaps this is what you mean?
   If you want to create your own payment system, then first answer yourself the question:
   Who do you want to create? Acquirer? Issuer?
   Read how payment by cards works here:
   https://habrahabr.ru/post/229393/
   https://habrahabr.ru/post/157565/
   PS:
   In general, it is possible to create your own payment system (for example, like Robokassa), and it’s even technically not difficult.
   But no one will give you a direct connection even at high speeds. Direct connection requires HUGE RPM.
   The maximum that you can do is just a dozen gateways to other intermediary systems.
   I have an online store in development for many years. Its owner is constantly improving something.
   All these years he has been developing convenience for the buyer, website promotion, etc. It's a good investment, it pays off.
   But payments are accepted through an intermediary.
   Your own payment system is not a profitable investment for an online store, but simply stupid (even if you hypothetically assume that an online store will pull it for money).
   It makes sense to talk about your payment system if you are AliExpress, eBay or Amazon.

Answer 2

as far as I understand, PCI DSS certification is needed https://ru.wikipedia.org/wiki/PCI_DSS

Answer 3

In general, not all banks can connect to the VISA network, so don't think about it until you grow at least $10m a month into circulation.
You need to connect to the bank and set up a connection through it. Some banks allow you to customize the payment page.
And yes, if you write something of your own, even on a bank platform, PCI DSS is mandatory and this will be your smallest expense, last year we did it for 600 tr.