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It's been a while since I've seen an HN post where I can give valuable feedback, thanks for the questions!

1. Here is a way to do it, in Python: https://github.com/abunsen/Paython/blob/master/paython/lib/u...

2. Not sure on providers other than that they lend their brand / set guidelines for the banks that issue cards (Citibank). On the other hand, you've got a processor, like First Data who allow you to process cards (on the internet) via a gateway, like Authorize.Net. In some cases, the processor & the gateway are bundled, like in the case of the new Stripe payments.

3. AFAIK: Your cards magnetic strip is converted to numbers, sent to a gateway to be processed as a "card present" transaction (different, typically lower, fees for these) & asked for approval from the issuing bank, once approved the amount collected will sit in limbo for 1-7 days then deposited into Best Buys bank account.



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