Online Payment Systems : WePay full description

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General Information

Since high school, Bill and Rich have been collecting and managing money for various activities, clubs and organizations. Bill was student body president and spent his afternoons slinging tickets to dances, lock-ins, fundraisers and trips. Rich was a traveling member of the debate team, and cofounder of a club dedicated to raising money to build a school in Nicaragua.

When Bill and Rich met at Boston College, they were both heavily involved in a wide range of groups that needed to collect and manage money. Bill was the treasurer of multiple on-campus clubs, and was "that guy" hounding his roommates to pay rent every month. Rich organized a 15-person service trip to Biloxi, Mississippi.

In all of these groups, more time was spent collecting, tracking and managing money than almost anything else.

About a year after graduating, Rich had to plan his brother’s bachelor party, while Bill was trying to collect money to rent a ski house. When Rich had to keep a spreadsheet and send out constant reminders, and Bill had to open a separate bank account just to hold the money, they had finally had enough. They decided to build WePay – the easiest way for groups to collect, manage, and spend money.

Currencies

USD

Countries of use

all

Users

personal and bisiness

Fees

WePay is free to signup, create groups, join groups, and make payments.

Groups incur a small fee for each payment they receive. All outgoing transactions are free.

Sending Bills

When sending a bill, groups can decide how recipients can pay.

With a bank account:	50¢
With a bank account or credit card:	3.5% (50¢ min)

Selling Tickets

When selling tickets, groups can decide how recipients can pay.

With a bank account:	50¢
With a bank account or credit card:	3.5% (50¢ min)

Accepting Donations

There is a 3.5% fee (50¢ min) on all donations.

Deposits

With a bank account:	50¢
With a credit card:	3.5% (50¢ min)

WePay Prepaid Visa® Card

Shipping & Handling:	$5.00
Domestic ATM Cash Withdrawal Fee:	$1.50
International ATM Cash Withdrawal Fee:	$1.50
Overdraft Fee:	$10.00
Replacement Card Fee (for lost or stolen cards):	$10.00
Expired Card Reissue Fee:	$15.00
Expired Card Maintenance Fee:	$5.00/month

Integration approaches

online

Information for developers

The WePay API is a simple OAuth-authenticated REST-based API with JSON responses.

You should first register your application to receive a consumer key and secret.

OAuth Dance

OAuth is a standard protocol that allows 3rd-party Web and Mobile applications to interact with WePay. You can read more about the protocol at http://oauth.net.

The main idea behind OAuth is that users are able to grant permission to a 3rd-party application to act on their behalf without giving their password to the 3rd-party. The application developer will follow the OAuth steps which results in the user being sent to a wepay.com page where she will enter her password and authorize the application. The application developer will store an access token and shared secret for each user that has granted the application access and will send the access token along in all API requests signed with the shared secret.

This might all sound a bit complicated, but there are libraries for all major languages out there that make it quite easy to implement. There is an extensive list at http://oauth.net/code/. The code examples here are written against PHP's pecl/oauth extension. You can find the documentation for that extension at http://php.net/oauth.

If you are already familiar with OAuth from interacting with other APIs, all you really need to know are the two oauth end points:

Request token URL: https://wepayapi.com/v1/oauth/request_token
Access token URL: https://wepayapi.com/v1/oauth/access_token

Note that the WePay OAuth implementation supports the ProblemReporting extension which should make it a little easier to debug issues when they come up.

OnlinePaySystems.info

WePay online payment system