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Ready-made Stripe Checkout for freelancers
- the-dude 8y agoHow is this different from WooCommerce+Stripe except for another middleman? edit: the beta is free, what will the pricing be?
- DavideP86 8y agoHi The-dude, Thank you for asking. If you go with WooCommerce+Stripe, you need a functional website, and you've to install WordPress, WooCommerce and at the end integrate Stripe Checkout. Instead, Wirize is a ready-made tool: You can have your own payment checkout in minutes, without a website or anything required above. What do you think?
- h3cate 8y agoWhat's wrong with a normal bank transfer? Or the many payment apps like pingit?
- epanchin 8y agoDo many staff have authority to make bank transfers? Are you suggesting they go to finance for every purchase?
- kbcool 8y agoMost don;'t have the authority to make large CC payments either if you're talking big corps. SME to freelancer payment is much better with bank transfer. Way less skimmed off the top than CC.
- DavideP86 8y agoHi h3cate, Thanks for your comment. There is nothing wrong with bank transfers, and I use this method myself. As explained in another comment, a bank wire is a great solution for domestic payments, but it can be very expensive for international ones. In a real scenario, if you require up to $1000, a tool like Wirize can be cheaper than a traditional bank wire, because it doesn't have fixed costs, and you pay just a small fee per transaction.
- caiob 8y agoI don't like being negative, and I applaud Stripe's initiative here, but this will never fly in Canada. We have Interac e-mail transfer up here which is easier and better at just about everything.
- timdorr 8y agoThis isn't a Stripe product. It only uses Stripe's APIs.
- DavideP86 8y agoHi caiob, Thanks for your comment. We are aware that Wirize can't compete against a domestic solution like Interac, but in several cases, freelancing is also about international payments. Is Interac convenient for no-domestic payments?
- caiob 8y agoBeing a freelancer, why on Earth would I accept credit card payments? Extra fees, charges etc...
- giarc 8y agoExcept Interac e-transfer is a debit, not a credit. Therefore if someone wants to pay by credit card, Interac option is not available.
- nik736 8y agoSomething like this will never work in Germany. 99% of business transactions are done via a simple SEPA transfer, which doesn't incur any fees.
- epanchin 8y agoDo you have figures to back up this claim? I understand for regular procurement the importance of cost saving. But in product development paying everything with bank transfers rather than with corporate cards sounds like a ballache.
- Cenk 8y agoEven consumers hardly use credit cards in Germany. Only about 18% of payments are made with credit cards (https://qz.com/262595/why-germans-pay-cash-for-almost-everything/ https://qz.com/262595/why-germans-pay-cash-for-almost-everyt...)
- overcast 8y agoDo German credit cards not have cashback programs? When every transaction I make gives me back 1-6%, that adds up significantly over time. It's essentially subtracting tax off of groceries and gas for me.
- the-dude 8y agoNo cashbacks in Western Europe as far as I am aware. How do feel about shafting all your suppliers? Because that is about the sentiment here.
- mattmanser 8y agoThis is wrong, there are cash back cards in the UK, for example. American express operates over here: https://www.americanexpress.com/uk/credit-cards/platinum-cashback-credit-card/ https://www.americanexpress.com/uk/credit-cards/platinum-cas... For the grandparent, cash back cards work by charging a higher percentage to the retailer and they haven't seen much traction or support in many European countries. Effectively in the long term they simply raise prices and give a greater cut to the card processor, theoretically they're overall a bad thing for consumers.
- Cenk 8y agoThese services that are layers on top of Stripe really rub me the wrong way. I’m sure it’s useful to many people who want to take credit card payments but don’t know how to code up a Stripe integration themselves, but I really dislike the idea of having another middle-man between the user and Stripe.
- dbielik 8y agoI agree, and they've also built this themselves for people who don't know how to embed/integrate it.
- WhiteOwlLion 8y agoi don't know what kind of freelancer you are... but even a non-techie should be able to create their own checkout page using stripe tools. seriously, it is not hard
- amelius 8y agoBut note that, strictly speaking, Stripe itself is also a middle-man.
- DavideP86 8y agoHi Cenk, Thanks for your comment. In order to integrate your own Stripe Checkout, don't you need a website? If so, you're going to have different middle-men like a hosting provider, domain provider, maybe a developer etc.. You're going to pay these services on a monthly basis, and theoretically just to get some payments. It's an alternative, and maybe a lot cheaper and faster than the one above. What do you think?
- dbielik 8y agoStripe recently launched this feature themselves! https://stripe.com/us/billing https://stripe.com/us/billing You can set up subscriptions/invoices and send a stripe-hosted link (pay.stripe.com) for the customer to enter their billing. And you don't need to do _any_ coding. So, I'm not sure what the benefit of this is over using Stripe directly. Am I missing something?
- marak830 8y agoOh wow I didn't know about that, thanks!
- DavideP86 8y agoThis is a good question. I will try to align the main differences (in my opinion): 1. Stripe invoice is part of the recurring billing process and isn’t intended for one-time charges. 2. Like other services, Stripe provides a payable invoice, instead, Wirize is a pre-integrated payment checkout. 3. Stripe invoice is available in the US only at the moment, instead, Wirize supports 20+ countries. Please let me know if you've more questions.
- sudhirj 8y agoIf you're doing this is implies you're pulling money into your Stripe account and paying out to your customer's bank accounts? Unfortunately this makes you merchant of record, so if I'm not happy with a charge made to one of the merchants on your platform I'll raise a chargeback against you. Good luck getting the money back from the merchants :-/
- desireco42 8y agoStripe checkout is so easy that I find it very few reasons to use services like this. I do appreciate convenience and I am not a person who likes to build everything by itself, but this is not a problem I or many of my friends have. If others feel different, please chime in and explain your situation.
- DavideP86 8y agoHi desireco42, Thanks for your comment. The main difference is that if you go with Stripe directly, you need to integrate the checkout on your personal website, and it requires some code skills, and of course a functional website. Instead, Wirize is a ready-built tool (basically you don't need anything I pointed out above). Anyway, you're totally right, Stripe is very easy to use, but if you've just some one-time payment needs, maybe you don't need to set up a website just to integrate a checkout. What do you think?
- desireco42 8y agoAgain, didn't mean to put down your service. Thank you for explaining.
- gregoriol 8y agoThe pricing part is insane: "... is totally free till beta." => what does that mean? How could one decide to use the service, without knowing when or how it will be priced?
- DavideP86 8y agoHi gregoriol, It means that we're still defining our pricing model, so during in beta the product is Free. Actually, If you use Wirize, you're going to pay just a Stripe fee per transaction, and when there will be a new pricing model, it will be very transparent for the customer.
- tom169 8y agoI think it's fairly clear that judging by the comments, the design and use of the word "Stripe" make this seem like a Stripe product. You could well be infringing on their trademark.
- delinka 8y ago"Connect your bank account to Wirize in just a few clicks (2-minute flow via Stripe)." This reads to me like it's based on Stripe. And in that case, I don't think it's incorrect to call it "Stripe Checkout." However, I would like this called out at the top of the linked page.
- bastawhiz 8y agoStripe Checkout is the name of a product that Stripe offers.
- DavideP86 8y agoHi tom169, thank you for reporting it. It wasn't our intention to create confusion among the products! Wirize isn't a Stripe product, so we're going to perform some copy changes to clarify it.
- philip1209 8y agoCool! I found the bank Azlo through Stripe Atlas's new LLC system, and it looks like they support invoices with Stripe payments just like this for freelancers.
- sudhirj 8y agoDoes the LLC version of Atlas give you an account with Azlo instead of SVB?
- philip1209 8y agoAccording to Patio11 on a previous thread - yes: https://news.ycombinator.com/item?id=16960480 https://news.ycombinator.com/item?id=16960480
- joelrunyon 8y ago"free till beta" I hate this stuff. Either make it free or let me pay you for it. What sucks is switching over to it because you think it's saving money, then having them change the fee structure and you have to switch back.
- magic_beans 8y agoI've never seen that before, and it seems like an insult. If it's only free for a certain amount of time, it's not "totally free" AT ALL. Really rubs me the wrong way.
- DavideP86 8y agoHi Joelrunyon, Thank you for your comment. Precisely we're still defining our pricing model! In my opinion isn't always correct to ask something if you don't know exactly the value of a product, especially from a customer perspective. Actually, If you use Wirize, you're going to pay just a Stripe fee per transaction, and when there will be a new pricing model, it will be very transparent for the customer.
- joelrunyon 8y agoThat's not the problem. The problem is that you want people to switch and then will change the terms later. Literally a bait + switch. If you're going to offer it for free, then make some guarantees as to what the free level will contain for the future.
- tomcatfish 8y agoWould you rather pay for an unfinished product? They see value in allowing you to benefit from any utility while giving them testing data and a canvass of the market while they fill out the product. Charging now would cause a sense of entitlement in users that they probably aren't ready to handle yet
- mentat 8y agoYes I would because then I'd know what I was buying. So would most real buyers.
- deleted 8y ago[deleted]
- brandoncordell 8y agoIs there supposed to be an animation on the example checkout in your header? If so it's extremely choppy for (new MBPr, i7, 16gb ram). It looks like it's unintentionally growing in size.
- amelius 8y agoWhy does Stripe get a % of my income? Why isn't this capped at, say, $10 or at most $50? No other bank does this (they only take interest).
- gregsadetsky 8y agoI agree that the value of this is not perfectly clear, considering what the Stripe dashboard, and Stripe Billing specifically, offer. I've been wondering for a while what are good Stripe Checkout backend solutions for static / "server-less" sites? I've been deploying many micro static sites recently (using surge.sh -- plugging them as they're awesome) and whenever I wanted to add a Stripe Checkout JS integration, I was back at the problem of "what to do with the backend". I usually end up writing a micro Python service, hosted on Heroku, that accepts a SKU, charges the Stripe token, and returns a (CORS-busting) json success/error payload. I've seen flatmarket [1] which also exists in a deploy-to-Heroku-in-a-click version [2] but I remember having problems with it, and it doesn't look like it has been recently updated. It almost does what I'd like though: define your products in a JSON file, set your private Stripe key, done. WooCommerce is definitely great -- for WordPress sites. I don't want to host a WP site. :-) Any good, simple, hosted/self-hosted backend solutions for Stripe Checkout? It's not a M$ idea/potential, but would this help other people if I pursued this? I don't want to become a middlemen/third-party/Stripe Connect "merchant". I just want to charge the token and return {"success":true}! Cheers [1] https://github.com/christophercliff/flatmarket https://github.com/christophercliff/flatmarket [2] https://github.com/christophercliff/flatmarket-server-heroku https://github.com/christophercliff/flatmarket-server-heroku