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Regarding payments can you recommend a simple API over both Stripe & Paypal out of interest (or would you just implement both using their respective APIs?) I

Regarding payments can you recommend a simple API over both Stripe & Paypal out of interest (or would you just implement both using their respective APIs?) I know Paypal has its Instant Payment Notification API, were they ping your server once a payment has gone through, I assume Stripe has something similar. I was just wondering if there's a simple API, that can handle payments through both Paypal and Stripe etc.

hobofan 9y ago
I am currently working on a side project with recurring payments planned, and I'm planning to use Recurly (https://recurly.com/ https://recurly.com/) for that, which supports multiple payment gateways.
- adrianmsmith 9y ago
  As far as I understand recurly charges $100/month on top of other fees. So even if you aren't selling anything, you still pay $100/month, which is quite a lot if you're starting out without any customers yet?
  - hobofan 9y ago
    Yeah, I had the same thought initially. I still decided on it, since it is basically the only expense I have in the beginning and the first 2-3 customers would cover the cost of that. I've also integrated other subscription services in other projects in the past, and I'd rather pay that fee for 3-4 months and get rid of that headache. If I don't acquire any customers in that time span, I think I have more severe problems than a small monthly payment.
chamakits 9y ago
Depending on the type of product you are selling, something like gumroad may be a good fit for you. https://gumroad.com https://gumroad.com They have an api as well, but I've seen most people use their landing page/buy product page more than anything.
adamqureshi 9y ago
I actually had a problem with PP. They can freeze you without notice at anytime (something todo with risk exposure). So now Im sticking with STRIPE. Unless the customer insist. Yeah STRIPE api is super easy for integration. I get my money in 2 business days. 2.9% fee+30 cents P/transaction.
- CodeWriter23 9y ago
  Stripe or any merchant bank for that matter will freeze funds, or extend rolling payout intervals if your refund and chargeback metrics indicate a need to hedge against your losses via refunds and chargebacks. Stripe is pretty up front about it: https://stripe.com/docs/payouts#payout-schedule https://stripe.com/docs/payouts#payout-schedule while PayPal buries it in the click-wrap TOS. Maybe that's why people get totally unglued when PayPal impounds their funds. PayPal Capital has also been known to solicit loans to companies that had their funds impounded...we just swiped your cash, can we loan it back to you for an extra charge?
fomojola 9y ago
Honestly, just use their respective APIs: you can get far with just Stripe Checkout (https://stripe.com/checkout https://stripe.com/checkout) and Paypal Checkout (https://developer.paypal.com/demo/checkout/ https://developer.paypal.com/demo/checkout/) and they are both simple enough. Paypal Checkout even has an entirely client-side payment flow. The fact that Paypal keeps most of their fee if you have to issue a refund does suck, but that is a separate issue: the interfaces are both very straightforward.
disiplus 9y ago
paypal express checkout is straight forward to implement and you have samples online. stripe is also easy to implement. please note that for us ( we are b2b ) customers prefer to use paypal.

hobofan 9y ago

I am currently working on a side project with recurring payments planned, and I'm planning to use Recurly (https://recurly.com/ https://recurly.com/) for that, which supports multiple payment gateways.

adrianmsmith 9y ago
As far as I understand recurly charges $100/month on top of other fees. So even if you aren't selling anything, you still pay $100/month, which is quite a lot if you're starting out without any customers yet?
- hobofan 9y ago
  Yeah, I had the same thought initially. I still decided on it, since it is basically the only expense I have in the beginning and the first 2-3 customers would cover the cost of that. I've also integrated other subscription services in other projects in the past, and I'd rather pay that fee for 3-4 months and get rid of that headache. If I don't acquire any customers in that time span, I think I have more severe problems than a small monthly payment.

chamakits 9y ago

Depending on the type of product you are selling, something like gumroad may be a good fit for you. https://gumroad.com https://gumroad.com They have an api as well, but I've seen most people use their landing page/buy product page more than anything.

adamqureshi 9y ago

I actually had a problem with PP. They can freeze you without notice at anytime (something todo with risk exposure). So now Im sticking with STRIPE. Unless the customer insist. Yeah STRIPE api is super easy for integration. I get my money in 2 business days. 2.9% fee+30 cents P/transaction.

CodeWriter23 9y ago
Stripe or any merchant bank for that matter will freeze funds, or extend rolling payout intervals if your refund and chargeback metrics indicate a need to hedge against your losses via refunds and chargebacks. Stripe is pretty up front about it: https://stripe.com/docs/payouts#payout-schedule https://stripe.com/docs/payouts#payout-schedule while PayPal buries it in the click-wrap TOS. Maybe that's why people get totally unglued when PayPal impounds their funds. PayPal Capital has also been known to solicit loans to companies that had their funds impounded...we just swiped your cash, can we loan it back to you for an extra charge?

fomojola 9y ago

Honestly, just use their respective APIs: you can get far with just Stripe Checkout (https://stripe.com/checkout https://stripe.com/checkout) and Paypal Checkout (https://developer.paypal.com/demo/checkout/ https://developer.paypal.com/demo/checkout/) and they are both simple enough. Paypal Checkout even has an entirely client-side payment flow. The fact that Paypal keeps most of their fee if you have to issue a refund does suck, but that is a separate issue: the interfaces are both very straightforward.

disiplus 9y ago

paypal express checkout is straight forward to implement and you have samples online. stripe is also easy to implement. please note that for us ( we are b2b ) customers prefer to use paypal.