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Ask HN: How do you process payments?

• fastest963 7y ago
  We use Stripe to process credit card payments and we're adding support for ACH soon. Recently they made some changes to pricing (charging for Radar and non-US cards) that was surprising but otherwise they've been amazing. Great tooling support, great customer service and overall great platform.
  • judge2020 7y ago
    >ACH soon What is your approach to bank account verification? Plaid/Yodlee, a more traditional "deposit x money, ask for verification", or both?
    • chrisgoman 7y ago
      We use Cliq.com for ACH for about 3 years now moving lots of transactions. Amounts are from hundred to low single-digit thousands (<$10k) about 200/wk. API is not as mature as Stripe but you can't beat the cost at $0.20 per transaction. We mostly do outbound so no verifications are done
      • fastest963 7y ago
        Interesting. Haven't heard of them but I'll check them out. Thanks!
    • fastest963 7y ago
      We plan to do the traditional 2 small deposit verification. After discussing we decided not to force our customers to give up their bank logins to Plaid just for a quicker verification.
      • chrisgoman 7y ago
        the guys at teller.io seems to be doing it the OAuth way so technically not storing it like the scraping guys. However, it may be limited to the banks that they can connect to due to the requirement for a "real API"
• espinchi 7y ago
  At our price range (most invoices are $10k-$50k and in the US), we generate and send invoices from Xero, our accounting software. Customers can pay via check, wire, ACH or Credit Card, and they typically do checks or ACH. For additional context: we automate customer service for ecommerce companies in the 50-500 employee range. Payment methods vary depending on the company size, localization, sector, payment size, etc.
• goatherders 7y ago
  Every client pays via CC except one by check and one by ACH. We use WePay which is connected to Freshbooks. We eat the 3% charge or whatever it is. Avg order size of $2,000.
• deleted 7y ago
  [deleted]
• maxmalysh 7y ago
  Bitcoin.
  • sillysaurusx 7y ago
    How many payments have you processed? I thought Bitcoin died as a payment medium. People have figured out that the overhead is only about $0.50 if you're willing to wait, but most consumer apps don't make it easy to default to the lower fee. (I haven't looked into this for some time, so that last paragraph is a bit dated.)
    • qwerty456127 7y ago
      It is worth mentioning that today "you're willing to wait" actually means just some minutes. I've actually started using BitCoin to pay for things recently and I was surprised to find out how easy and quick this actually is. This really is a no-bullshit electronic cash. No registration, no verification, no borders, quick and easy. I hope more goods and services are going to be offered for cryptocurrencies in future.
      • echelon 7y ago
        How do you deal with the price volatility?
        • qwerty456127 7y ago
          I don't use crypto for business and don't store much money this way (which would mean I have to plan) so far so I ignore it and I'm Ok. In fact I have only been affected by it in the positive way: I had insufficient BitConins to buy what I needed (not illegal) and planned to buy more but the rate grew quickly and I found myself in possession of sufficient value before I had time to bother.
        • rglullis 7y ago
          On the Ethereum blockchain, things are a little easier. You can always use a stabletoken like DAI. On the BTC blockchain, this can be a real problem. The best one can do is to hope that the BTC price doesn't swing more than the equivalent fee amount of a credit card transaction to make it worthwhile. If you are willing to keep some of your crypto on an exchange (but remember, it is only really your crypto if you have the keys), you can try to automate the swap between BTC<-> stablecoin to reduce the exposure to price swings.
• sigio 7y ago
  I create invoices using invoiceninja, which are payed via banktransfers mostly and via mollie payments for the smaller amounts. This is usually an ideal payment in .nl, and various other payment methods in other european countries.
• suhail 7y ago
  Stripe
• cknight 7y ago
  I use https://pinpayments.com/ https://pinpayments.com/ to accept credit/debit cards. My target market is 100% Australian so it was an easy option for me, but it won't be suitable for most people here.
  • mooibos 7y ago
    I use them too, and have been extremely happy with the service I've received so far. I'm based in Australia but sell mostly to overseas customers and bill in USD. They take a 4% cut this way, but don't hit you with a currency conversion fee like PayPal do. I used to use Stripe, but had an issue where my account was flagged as fraudulent by their ML model for God knows what reason. They sent me a link to click on to provide more information and escalate the issue, but the link went to a 404 page. I forwarded the email to their support but never heard back from them. Tried to call them, no dice. That's when I realised my business was relying on a service which could go down at any moment and didn't provide adequate phone support. Cancelled the account and signed up with PIN Payments on the spot. The few times I've spoken to them, I've received a response from a real person that actually knew what they were talking about. Couldn't recommend them more.
• hex1848 7y ago
  Authorize.Net is what we've used for online payments and our internal subscription processing for over a decade. API is easy to use. Never really had any downtime. Rates are competitive. No one has come along and given us much of a reason to change.
  • wheelerwj 7y ago
    Authorize.net is OLLLLLLLLD school. Its the primary merchant service that is recommended/resold by banks. I ended up choosing stripe but only because Stripe has better branding and was 'cooler' to use.
    • dlhavema 7y ago
      I worked with authorize.net in 2006/7 for a php driven lead gen site... that brings me back...
    • conductr 7y ago
      When stripe first came out my initial thought on the API was “these guys got tired of Authorize.Net”
  • scottmotte 7y ago
    That brings me back. I remember Authorize.net before there was the ActiveMerchant gem (ruby). Have you used Stripe as well? Authorize.net always got the job done. Then Stripe came along. I was honestly surprised of its success at the time. It was mainly just more of a joy to use - not cheaper or much easier. Just 'fun' as I remember it.
  • wtracy 7y ago
    Everyone else is dumping on authorize.net, but they're willing to work with industries that PayPal and friends won't touch.
  • sleighboy 7y ago
    They could really use someone who gives a damn to focus on their official libraries. They seem to have tried to make them function similar no matter which language you use. Not the smartest move, they end up being sort of convoluted in languages like Python. Which lead to many people starting a client library, but probably moving on from using them and the libs go unmaintained.
• runako 7y ago
  Services work invoiced through Bonsai, typically paid via ACH with some credit cards mixed in. Stripe handles the ultimate money movement. SaaS - mostly Stripe credit cards, with a tiny percent in PayPal.
• asdfq1234 7y ago
  Authorize.net Their fee structure is far cheaper for us than Stripe, who are scam artists and need to be disrupted. Stripe needs to reduce fees dramatically.
• dreamer7 7y ago
  We use MangoPay. The customer service or tech support isn't as great as Stripe but they have a really intuitive model for marketplaces
  • nick_wikilerts 7y ago
    Yes, it's a really great service. If you want to see how it can be implemented, please have a look at https://sellcodes.com https://sellcodes.com
• oneplane 7y ago
  Multiple businesses but most common is direct wire transfer/bank transfer. The smaller business: generate invoices, send them to the customer, customer has a few choices, the only international ones are IBAN or PayPal (adds fees). Most common used is direct bank transfer. AVG transaction: €2500. Larger business: mostly commerce payments, over 90% is iDEAL (Dutch native payment system - does instant wire transfers between Dutch banks), the rest is either Apple Pay or by invoice/manual bank transfer. Some sub-0.1% uses Credit Cards but it almost costs more to keep it available than the revenue it generates. In all cases we use native banking APIs, no middlemen/broker/processors, except Credit Card. AVG transaction: €50.
• inopinatus 7y ago
  Pin Payments, for cards. They have an Australian focus but global capability. If you use a scheme card for Fastmail, you probably paid via Pin Payments. Pin have a Stripe-like API but a small-team feel during contact i.e. we know one another by name, and when escalating a technical query I've had dialogue directly with a dev lead. I've even received hand-written Christmas cards from them. I live in mortal terror of Pin being bought by Stripe, or (worse) an Australian financial institution, with all the consequences for competence and customer service level that follow. We also handle bulk/large payments via CS2 (the Aus equivalent of ACH, for Usonian readers), with handling fee.
  • jimohalloranau 7y ago
    I've been using Pin since very early days. Dev experience is great, the API is well thought out and documented. Your fear about Pin being bought by an Australian financial institution may be unfounded (or it's already happened depending on your perspective). Back in the early days, it was fairly well known that National Australia Bank was a part owner in Pin, but I can't find anything to support that now. NAB is listed first on their partners page (https://pinpayments.com/company/partners https://pinpayments.com/company/partners) and their Terms of Service (https://pinpayments.com/terms/national-australia-bank https://pinpayments.com/terms/national-australia-bank) are a 3 way agreement between NAB, Pin and yourself. I'm sure it would be worse if Pin was fully absorbed into NAB though.
• esdott 7y ago
  I am also interested in this question but would also love to know the average percentage people are paying. It’s always been interesting to me how stripe (and the like) are basically a premium over less polished tools like Authorize.net but are able to charge as much as a percentage point more for basically the same thing. I’ve built payment integrations my entire 20 year career and have always appreciated how ease of use relates to cost, e.g. it’s hard to build tools as easy to use as stripe or Braintree, but I’ve wondered how these features play out when it’s so close to the actual money itself.
  • perennate 7y ago
    Is Authorize.net not also 2.9% + 30 cents? (https://www.authorize.net/sign-up/pricing/ https://www.authorize.net/sign-up/pricing/)
    • scottmotte 7y ago
      I believe that is for the all-in-one option. And I do not believe Authorize.net offered that a decade back. Anyways, if you already have your merchant account, it is only 10cents a transaction.
  • nickphx 7y ago
    The percentage depends on the business "risk" category , transaction volume, return and charge back rate. You can get rates as low as 1.9% and .15 per transaction. That doesn't cover payment processing gateway fees (ie Authorize.net) though.
• qrbLPHiKpiux 7y ago
  Elavon
• emersonrsantos 7y ago
  Ebanx, for the Latin America market.
  • ianhawes 7y ago
    +1 for EBANX! Though after talking with them and talking with Stripe I’m not sure we lose out on as many credit cards as Ebanx made it seem like we would when processing with Stripe in LATAM.
    • bestnameever 7y ago
      Do you do any processing in Mexico? If so - how do you deal with facturas?
      • shadowprofile77 7y ago
        Second this question. Live and work in Mexico.
• lemming 7y ago
  I use Paddle, because they handle the intricacies of international VAT which is getting more and more complicated. I'd love to use Stripe, but I'd have to use something like Taxamo in combination with it. Since I was one of their first B2B customers I managed to negotiate a good rate with them, otherwise they'd be reasonably expensive. I've been generally happy with them.
• Old_Thrashbarg 7y ago
  We use Chargebee backed by Stripe. We've been quite happy with Chargebee overall and would recommend them. The only downside is their customer support is very bizarre sometimes and a bit frustrating. For example, they limit API access to my own (events) data to the last N months. I contacted and asked them to remove the restriction, and they said that wasn't possible because the data was "archived". I pointed out that their UI allowed me to see all the data and their page loaded quickly so clearly the data is close at hand. They then said they'd give me access to all my data over the API for one week. I told them I'm not going to build a script that will be broken in a week and instead will just have to scrape their website - they seemed happy with that resolution.
  • koolba 7y ago
    What value do you get from a middle man between you and the raw Stripe API? Why recommend them? From what you describe it just seems like a hassle with them acting as gatekeeper to your own historical transaction records.
    • robhunter 7y ago
      Customers need invoices, A/R tracking, recurring payments, line items on an invoice, billing for multiple entities, adhoc products/add-ons - a billing system and a way to process payments are separate things. I believe Stripe does more and more of this stuff, but it isn't cheap and in our experience Chargebee has perfected a lot of that functionality.
      • Old_Thrashbarg 7y ago
        Exactly. I find myself wondering why Stripe is still in the picture, seems like they're doing the easy part. We use the above-mentioned things, and they also take care of providing a UI where customers can change their plan, cancel it, download PDF invoices. Upon plan changes, they deal with proration. They send dunning emails for failed charges and cancel the plan after N retries. You can set up coupons, discounts, trials, credit, refunds, welcome emails, etc. through them.
      • 7y ago
• Axsuul 7y ago
  A mix of Stripe and Shopify's own billing system.
• LannisterDebt 7y ago
  Stripe for credit cards, run own nodes for cryptocurrency because customer privacy is important in certain scenarios for me.
• mlacks 7y ago
  Exclusively Paypal. I've had nothing but extremely positive experiences, but form what I hear, when it goes bad, it goes really really bad. I'm looking into other options
  • scrollaway 7y ago
    Do look into Stripe. The difference in dev UX is night and day.
  • droopyEyelids 7y ago
    It's actually easy to understand when PayPal 'Goes Bad' 1) When you collect money long before a user might file a chargeback - like if you're selling tickets for an event that will happen in 5 months, or if you're selling a product that you'll be shipping much later. 2) When your 'pattern' changes dramatically. eg, you've made 5k/month worth of sales for the past 2 years and this month you've suddenly sold 20k.
• derrick_jensen 7y ago
  Stripe and an in-house Bitcoin backend Funny thing is that I'm working on debugging an issue with the Stripe API right now (or the library I'm using)
• ezconnect 7y ago
  Paypal. Never had issues with them. Only problem is there are a few customers that are dishonest but they are just a couple of them Every year. Average transaction is 15usd
  • lopmotr 7y ago
    I dare you to try doing a withdrawl while overseas. You may have to prove you're not where you are before they'll reinstate your account.
    • aianus 7y ago
      This happened to me too. They thought it was suspicious that I was in Vietnam, so they brilliantly called my Canadian landline to verify that it was really me that was connecting from Vietnam (???). Of course, I was unable to answer... PayPal is utter trash.
    • PaulDavisThe1st 7y ago
      Done it many times. My entire income (more or less) flows through PayPal, and I manually withdraw at the end of the month, no matter when I am at that time. It has never been a problem.
• lopmotr 7y ago
  I'm a complete dinosaur using Paypal. It emails me when there's a payment and I manually respond to the customer. They have to wait until I check my email since I don't even get notifications. Sorry customers. Paypal is a nightmare of course. Don't be like me.
• makeee 7y ago
  I use Stripe and PayPal. PayPal accounts for about 30% of my revenue. As another data point, I get easily 10x more requests for Stripe integration on https://divjoy.com https://divjoy.com than all other payment options combined. Devs overwhelming want to use Stripe.
• balls187 7y ago
  Stripe. Love the developer friendly aspect, and their customer service is awesome. Due to a misunderstanding[1], they believed our service violated their TOS. Stripe offered us a week to migrate AND suggested a competitor that allows those types of Txns. Luckily, with a message to Customer Support (via Twitter) we resolved the misunderstanding and never had to migrate. Also worth noting, the issue was addressed on a Saturday. 1: Stripe mistakenly thought we were doing online prescriptions.
  • daguava 7y ago
    Did you have to escalate via twitter or did you try other options first? I'm asking because if twitter was the first escalation and it worked, Great! If twitter was another resort after unsuccessful support.... not so great.
    • balls187 7y ago
      I first went through their online support, but quickly followed up over twitter (which IIRC they handle support issues as well). I felt satisfied with the level of effort I had to put in to resolve the issue.
  • pkaye 7y ago
    > Stripe mistakenly thought we were doing online prescriptions. Can you say what your company was actually selling?
    • balls187 7y ago
      Online second opinions for Eye Surgeons.
• slivanes 7y ago
  Elavon for direct card (they supported 3DSecure early back in the day), PayPal, and Bitcoin. We used to support Western Union, but we got blocked after a random amount of funds was received, their support was not able to help. Business is for digital goods. Would like to support worldwide bank transfers if it can be safe and quick for both sender and receiver, anyone got any tips?
• wakatime 7y ago
  We[1] use Stripe[2], Braintree[3], Coinbase Commerce[4], and GitHub Marketplace[5]. We built our own quote logic including prorating, etc. then apply that as recurring subscription using Braintree if customer wants to pay with PayPal, or Stripe if customer wants to pay with credit/debit card. Breakdown by processor: 73% Stripe 26% Braintree/PayPal 0.7% GitHub Marketplace 0.3% Coinbase Commerce [1]: https://wakatime.com/ https://wakatime.com/ [2]: https://stripe.com/ https://stripe.com/ [3]: https://www.braintreepayments.com/ https://www.braintreepayments.com/ [4]: https://commerce.coinbase.com/ https://commerce.coinbase.com/ [5]: https://github.com/marketplace https://github.com/marketplace
  • raphaelj 7y ago
    Is there any use policy restriction on Stripe, Molly and/or Braintree that would prevent one to dynamically select one or another payment provider depending on the quoted fee for a given customer (card type, country, currency...)?
    • wakatime 7y ago
      Not sure, but I know other companies use multiple payment providers too usually for redundancy. We would use Stripe for everything, except Stripe doesn't have the ability to accept BTC or PayPal. For the same reasons as rwieruch's comment above, some international customers prefer PayPal: https://news.ycombinator.com/item?id=22178646 https://news.ycombinator.com/item?id=22178646
• edoceo 7y ago
  Oh, what about sales tax for SAAS in USA? Currently driving me mad.
  • dkoston 7y ago
    Avalara and Vertex both have options that integrate well with major billing systems.
  • Cerium 7y ago
    I use taxcloud, and would be hesitant to recommend then. In the past they have made some mistakes (such as missing a filling) that resulted in a lot of headache to clear up. They have very poor customer service. It's been ok the last couple years, and I have not switched because it would be very painful.
• jacobsenscott 7y ago
  Stripe/paypal
• Looter 7y ago
  We use Paystand for Credit Cards (2.49% + 30¢), ACH and eCheck 25¢ 0%. Services business. Import transactions into Xero. Monthly fee $299. We pass the CC fee to customers.
• kf 7y ago
  The FDA/DEA have waged war on the kratom industry in extralegal fashion; I've had my personal bank accounts and credit cards shut down without explanation via https://en.wikipedia.org/wiki/Operation_Choke_Point https://en.wikipedia.org/wiki/Operation_Choke_Point. With Operation Chokepoint over, the DEA/FDA still have colluded to prevent the kratom industry from processing credit cards. For my website www.getkratom.com, we take checks, echecks, and cryptocurrency. Sales are about 1/3 of what they were when we were able to take credit cards.
  • seibelj 7y ago
    You are a brave person, thanks for sharing.
    • kf 7y ago
      I've been meaning to try and fix the wikipedia article again. I last did that and got into an obnoxious fight with jytdog. I heard a couple months ago that he dox'd and called to harass a wikipedian and then deleted his account ahead of anticipated punitive action. Without that person spending 80 hours a week to advocate his particularly narrow anti-plant medicine interpretation of what is correct with regards to medicine, biochemistry, and pharmacology on wikipedia, editing it again might actually accomplish something. I think I and many other editors that went up against jytdog are still carrying trauma that makes me reluctant to reengage but it's about time to try.
      • seibelj 7y ago
        Ping me sometime for coffee if you are in Boston, I am a real person. Stay safe out there
        • kf 7y ago
          Cheers. I'm in the Bay Area and don't make it east too often (Love Burn Miami is happening though!), happy to meet for coffee in SF/Oakland next time you come out these ways. Frankly, I've been in the legal drug space running www.getkratom.com for 13 years and things are fine because the plant actually is so profoundly safe. Orrin Hatch plus lots of veterans of the US armed forces calling their representatives is what saved it from a federal ban. It already went through that due process and didn't get banned. Running a crypto hedge fund feels more dangerous to me in many ways that my simple, though controversial, ecommerce business. :) I'm doing fine and must like living on the edge.
• analog31 7y ago
  I have a small side business that makes a physical product. I've used PayPal for years with no issues, touch wood. There are two things that I like: 1. I don't have to write code or maintain a server to process payments. I realize that I'm an outlier for not wanting an API, but my business web page is completely static, and it's convenient for me to keep it that way. 2. They are unified with USPS for shipping, which has the best rates and service for packages that weigh just a few ounces. I can click on a button in PayPal and it spits out a USPS shipping label for me. I greatly prefer not having to handle any of my customers data. The only info I ever see is their shipping address and whatever e-mail address they signed up to PayPal with.
• kwindla 7y ago
  We use Stripe for usage-based billing of our video calls API. We wrote a blog post about how we built on top of Stripe's "subscriptions" API: https://www.daily.co/blog/implementing-api-billing-with-stripe https://www.daily.co/blog/implementing-api-billing-with-stri...
• winter_blue 7y ago
  Has anyone used Payfort (now an Amazon subsidiary), which is a payment processor for GCC (and MENA?) countries? I've never used them, but their terms of service seem to explicitly prohibit being used for software sales. I was wondering what else is available in the GCC countries that permits software subscriptions. For example, Chargebee seems to support transactions in AED, but it is not clear whether they can be used, for example, by an UAE-based LLC.
• aloukissas 7y ago
  I'm actually implementing our Stripe integration as we speak. Super straightforward to get it done, with tons of documentation and example, and the Elixir library is fantastic.
• therealx 7y ago
  Chargify. JUST DON'T DO IT! It's very limiting, the api sucks, and it's expensive. We got locked in by a dev before I was a part of things and I think before Stripe (maybe not.) Either way; just don't.
  • redninja83 7y ago
    1000% this. We started using chargify before Stripe when there were very few options and they were cheap. They increased pricing and added a bunch of features we dont use, plus our payment processor (DPS now Windcave) refuse to export our customer card data. So for the past few years we are slowly migrating people away as they update their card details, but its been a frustrating experience. Don't use Chargify or DPS/Windcave
• gramakri 7y ago
  We use Stripe. Will be adding PayPal integration later this year. Many of our customers are in europe and they don't have credit cards. PayPal works best for them.
• robertpohl 7y ago
  For Nordic/European customers, you should check out Mondido, which provide local payments and a lot for smart added value.
• waffle_ss 7y ago
  Stripe when possible, but for a recent project I’m using Dwolla, which operates strictly via ACH (which makes it US-only). The problem with Stripe is they have a large list of prohibited businesses, which mainly is inherited from the credit card networks as I understand it. Even if you’re a perfectly legal and legitimate business, if you fall under one of these broad categories you can’t use Stripe’s platform (even if you only use their ACH product and don’t touch credit cards). PayPal has a similar list. The credit card networks justify it by claiming certain categories of business are riskier (and I’m sure some are). But then you see how a lot of these categories may have come from Operation Chokepoint, chosen by unelected bureaucrats seemingly without any evidence. Personally it disturbs me that so many legitimate businesses are severely hamstrung from collecting payments online because of extremely opaque decisions by an oligopoly of payment networks. But about Dwolla - it’s not quite as smooth as Stripe; you have to build out your own customer onboarding screens, and production plans are priced through a sales rep rather than a SaaS-y paygo model. But I feel much more in control from the business end of things using them.
• disillusioned 7y ago
  For my consulting business (average invoice size of anywhere from $15k-$125k), we exclusively accept paper checks, ACH (either as a direct credit for larger companies set up to do that,) or QuickBooks Online, which makes ACH relatively trivial, and they charge basically $1 to process it. Can't beat that with a stick. For our clients, our preference is still Stripe, though we had a client deplatformed by them because their bank had problems with the product. (In our case, specifically, adult toys.) We had spoken with Stripe at length before investing in using them, and confirmed that this would be acceptable, as they had other adult toy companies on their platform, but Wells Fargo, paragons of fucking virtue that they are, decided to step in an try to get extremely and very awkwardly hands on with our specific products. (They tried to dictate what colors we could and couldn't offer, for instance. It was unpleasant, and we recognized we needed to leave immediately.) We ended up back at a higher-risk merchant service provider, though we're paying typical rates because we fulfill an actual, physical product (not, say, porn), and our chargeback rate is very low. Still a frustrating experience, and yet another reason to hate Wells.
  • Hackbraten 7y ago
    > we had a client deplatformed by them because their bank had problems with the product. (In our case, specifically, adult toys.) What kind of bank would do that, and why? I don’t comprehend the logic that would drive such a decision.
    • sdan 7y ago
      Wait until you hear about what PayPal stops.
      • iso947 7y ago
        PayPal isn’t a bank and is known for that behaviour. I understand Wells Fargo is a bank.
        • cies 7y ago
          > PayPal isn’t a bank They are: https://www.quora.com/How-can-PayPal-function-without-a-banking-license/answer/Julio-Vittel https://www.quora.com/How-can-PayPal-function-without-a-bank... In the EU you either work with a bank or you need to be a bank to do what Paypal does. In the US not (yet).
• fyfy18 7y ago
  I've been selling a SaaS product for the last four years. Originally I used Stripe but recently switched to Paddle. The main reason is that it makes my life a lot easier, they act as a reseller so I effectively sell my product to them, and they sell it on to customers. At the end of each month I just need to enter a single payment into my accounting platform, and they handle all currency conversions (I sell in USD, my accounting is in GBP) and sales taxes. They of course charge more, but for the amounts I'm talking about the cost outweighs the time I was spending dealing with Stripe payments. They also support PayPal which I've had a lot of people ask for, so that's a win too.
  • ivanovb 7y ago
    Sorry if it's offtopic, but can you give me an estimate of how much is Paddle charging? Their pricing page is not really helpful. Also, how easy it was to implement into your systems?
    • yani 7y ago
      This service is still alpha/beta at best. I tried them and I got customers with double charges, missing emails, and their interface is difficult to understand and make use of. Give them one more year before trying.
      • nickjj 7y ago
        At the same time it's being used for https://realpython.com https://realpython.com which has millions of monthly views and an unknown (but likely high) amount of developers paying for their subscription through Paddle. If you want to hear a success story about it, we talked about it when Dan (the guy who runs Real Python) went over his entire tech stack on this podcast: https://runninginproduction.com/podcast/4-real-python-is-one-of-the-largest-python-learning-platforms-around https://runninginproduction.com/podcast/4-real-python-is-one... 36:36 is when the Paddle bits starts. Did you have a bad experience with it? If so, how long ago was that? I was thinking about using it on a future project.
  • sparkling 7y ago
• jwr 7y ago
  Braintree, planning to switch to stripe. Still looking for a good EU-compliant (Poland) solution for invoicing, having to do it myself right now.
• Nesze 7y ago
  At my current company we use Spreedly to integrate with the payment gateway. Idea is to have multiple payment providers in the background, which is fairly simple with Spreedly (they offer a single API, while large nr of supported psps in the background). We also vaulting the cards there.
• PaulDavisThe1st 7y ago
  100% PayPal, despite the horror stories. Why? Micropayment account alongside regular account. A majority of payments are less than US$12, many are US$1 and on the latter I save 23c per transaction over typical rates (PayPal or other processors). Customers from Turkey, Pakistan and a few other places are not happy (PayPal banned in their territories), but for the most part, few complaints. Ancient key/value pair API continues to work, which is nice. Hate their website, hate the lack of ways to get reports, particularly on subscriptions. Could be done so much better (and likely is), but the micropayment account saves me thousands of dollars a year.
• shooshoo 7y ago
  We use both Paypal and Stripe for international (worldwide) payments. Most customers seem to prefer Paypal, and Paypal is set up so that we don't have to do anything - we just receive an email on purchase, while we need a server in the middle for Stripe. Paypal is significantly more expensive. Recurring subscriptions are really bad (the "vintage" UI is stuck circa 1999). But what's really bad is that at some point, after 5 or 6 years of significant usage, someone calls us once at 4.30 PM, gets no answer, and flags us as "suspicious". At that point, we could not retrieve any money for the account, could not call anyone (you cannot contact the fraud team - we'll call you back), and it started a lengthy (like, a couple of months) process where we were asked a lot of previous information in order to unlock the account. I mean, I understand you may want/need more information, but you talk to us first and then, if you do not receive good answers, you lock the account. Our bank charges per year way less than PayPal and gives us an account who knows who we are, comes visit yearly, and whose mobile number I have. So, even if we still use Paypal by popular demand, I'd rather not.
• damauls 7y ago
  We use Razorpay. APIs are well documented and extremely easy to use. Never experienced any downtime either. (Our transaction count is pretty low, though :P)
  • actuator 7y ago
    You should have at least changed the comment or picked a different sounding username. https://news.ycombinator.com/item?id=22178218 https://news.ycombinator.com/item?id=22178218
• mauls 7y ago
  We use Razorpay. APIs are well documented and extremely easy to use. Never experienced any downtime either. (Our transaction count is pretty low, though :P)
• fastbeef 7y ago
  I’m in the process of starting up a side business for my wife, making and selling physical goods. I’m in Sweden, and the go-to here is Klarna. They have their issues, but integration with WooCommerce was a breeze and people have come to expect Klarna as the default way to pay online.
  • kajmagnusmobile 7y ago
    There's also Billogram (in Sweden), I like them
• fredsted 7y ago
  I operate a "electronically supplied services" hobby company, https://webhook.site https://webhook.site, and I just didn't want to deal with VAT payments to individual EU member countries. So I switched from Stripe to Paddle, who handle all the VAT payments for me, take a fee and give me a lump sum. EU just has way too much bureaucracy for small-medium sized companies. I'm also using Patreon which is similar (they also handle VAT and subscriptions), but it seems most people prefer Paddle to Patreon. Tangentially, I'd recommend everyone to stay away from Paypal. You will lose your money or your account sooner or later. Let someone else (like Paddle) handle Paypal payments and that risk.
  • faeyanpiraat 7y ago
    FastSpring is a similar alternative.
  • raihansaputra 7y ago
    Damn this is a cool product. Bookmarking for future use.
• deneme100 7y ago
  Java: public class PaymentRequest{} public class PaymentResponse{} Golang: type PaymentRequest struct {} type PaymentResponse struct {} Kotlin: data class PaymentRequest("") data class PaymentResponse("")
• ptman 7y ago
  Adyen is a large player. Not quite as slick as Stripe but better rates.
  • iRobbery 7y ago
    Better rates if you do enough volume yes.
• rwieruch 7y ago
  Stripe whenever it's possible. However, without PayPal one is missing a bug chunk of people who cannot pay with credit card. Hence, I offer both. Since I implemented both (again) over the last month, here a list of my resources: - Stripe Elements [0] + Stripe Webhook [1] - Stripe Checkout [2] + Stripe Webhook [1] - PayPal Smart Payment Buttons [3] And one repository: - basic Stripe Checkout with Webhook in React + Express [4] Personally I preferred Stripe Checkout over Elements, because they take care about the look and feel. - 0 https://github.com/stripe/react-stripe-elements https://github.com/stripe/react-stripe-elements - 1 https://stripe.com/docs/webhooks https://stripe.com/docs/webhooks - 2 https://stripe.com/docs/payments/checkout https://stripe.com/docs/payments/checkout - 3 https://developer.paypal.com/docs/checkout/ https://developer.paypal.com/docs/checkout/ - 4 https://github.com/rwieruch/react-express-stripe https://github.com/rwieruch/react-express-stripe
  • wildduck 7y ago
    >Personally I preferred Stripe Checkout over Elements, because they take care about the look and feel. Stripe Checkout force you to gave client email to stripe. With Elements you can just use stripe for card processing (with zipcode of course).
    • tehbeard 7y ago
      Stripe checkout handles sending a receipt though iirc? So it's not like the email is winding up on a shadowy marketing list run by them.
    • mqzkehfbazkebf 7y ago
      Note that giving the client's email is meaningful with Stripe Checkout since it takes care of sending the client's an email about failing payments (for instance with recurring payments when your get a new card and the old one is obsolete).
  • Taig 7y ago
    Could you elaborate a bit for which reasons you prefer Stripe over PayPal and why it makes sense to offer both? I am currently trying to decide on a payment service but having a hard time making a sensible decision. The way I understand it PayPal supports more countries and may thus be accessible to more customers. Fees between Stripe and PayPal seem to be identical for US transactions; for international transactions things tend to get more complicated.
• karambir 7y ago
  Our company is based out of India selling online courses for Data Science community and we use two payment providers: Instamojo and Paypal. Instamojo is for Indian cards and Paypal is for international payments. We could have used Instamojo for all payments but many customers like using Paypal as they don't have to worry about saving credit card information with some random payment provider. Stripe just came out of private beta in India but their processing fees are pretty high. We are looking at two providers as they are promising better fees. Razorpay and Payu: - Razorpay is pretty much Stripe of India with the documentation and UI similar to Stripe. - Payu is an old dog in Indian Payment Industry with good sales team but bad integration and overall product.
  • tealpod 7y ago
    Rajorpay customer support is pathetic. I tried to open an account with them and their replies are automatic emails.
• rkangel 7y ago
  We used GoCardless to set up Direct Debits. We were taking large-ish recurring payments (£100s) and GoCardless was the cheapest as they cap at £2 a transaction. Their service was great and was trivial to interact with. We were working only in the UK, and Direct Debit isn't available everywhere but GoCardless offers some equivalent in a lot of countries.
• shreyshrey 7y ago
  We used both stripe and paypal. Now we have consolidated everything to stripe. Larger payments we use paper checks and wire transfers. Pricing wise both paypal and stripe are not very different.if you process large amounts you can get discounts from both
• Numberwang 7y ago
  PaymentIQ
• deleted 7y ago
  [deleted]
• estebarb 7y ago
  Nobody have experience with 2checkout? I'm considering using it for a SaaS (they handle taxes, payout to latam), but the lack of references feels odd
• mqzkehfbazkebf 7y ago
  I implemented backends for various payment services in my last job, and we had a lot of maintenance going around payments, mostly for failing to properly synchronize state between local and remote payment-related entities, but we also had race conditions and timeout-related idempotency problems that were more complex to debug and fix. Granted we had a lot of micro-transactions as well as grouped transactions (around 200 on average, one failing transaction blocking the process for the whole batch). But it was extremely time consuming to operate daily maintenance tasks: - it was complex and sensitive enough that only few people were able to do it. - we had enough problems to devote one man full-time to maintenance tasks. Is this what people who handle ten of thousands of transactions per day all experience ? Share your story please.
• vfuse 7y ago
  We use Stripe, Braintree (just for paypal billing agreements) and Mollie for certain EU payments. Mollie we only do annual payments since they are mostly non recurring payment options.
• thedangler 7y ago
  I own my own payment processing company and gateway, so I use that. I do sometime recommend Stripe and Square to Clients but Stripe for most people is a no go in Canada because of the 7 day deposit delay.
• franz899 7y ago
  Stripe's Payment Intent API All done via serverless functions, for both initialisation and confirmation(via Stripe's webhooks).
• xtiansimon 7y ago
  Several of my hospitality clients have started with Square. The CC fees are straight forward <= %4. There are third-party partners who extend on the platform. (I'm looking for a simple option for invoices-statements without trying to compete as Online Bookkeeping service.)