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I just went to the CloudContacts order page and seeing that I type my credit card info straight on that page scared me. I'm pretty sure it's because I'm an engi

I just went to the CloudContacts order page and seeing that I type my credit card info straight on that page scared me. I'm pretty sure it's because I'm an engineer but even if it said "Powered by Stripe", I'd still be suspicious... I was really hoping I wouldn't react that way because I like what Stripe is doing.

dangrossman 15y ago
I agree, and that's where I start looking for the PayPal button. It doesn't have to be one payment processor or the other -- many major ecommerce retailers, and you, too! can have a credit card form on site and a PayPal button on the page to skip it. I offer it on all my sites and >50% choose PayPal, both for one-off payments and subscriptions. http://i.imgur.com/NEkG9.png http://i.imgur.com/NEkG9.png http://i.imgur.com/tocZf.png http://i.imgur.com/tocZf.png
- saurik 15y ago
  The striking realization for me with regards to PayPal usage (and how both reasonable it is to provide the option, as well as how many people must actually prefer to use it) was the day I noticed that Apple, a company that often is described as having the valuable asset "millions of customer's credit card details on file, ready for one-click purchase of anything on their Mac or iPhone", actually supports PayPal as a payment option in their iTunes suite.
  - brazzy 15y ago
    Note that for an international business, PayPal has the invaluable benefit of supporting a huge bunch of national payment methods - in many countries, these are more widespread than credit cards, so if you want to do business with normal people there (like Apple), you have to support these methods.
moses1400 15y ago
I'd love more input here - the page is SSL - I purposely don't want to put "powered by stripe" on the page - so far the only one I have seen doing this (i did ask) is Kickstarter. If you have ideas on how to overcome your concern, I would totally love to hear it - thanks!
- saurik 15y ago
  "Powered by Stripe" doesn't help; I mean, in the end, you are "powered by Visa", and if you are using a Visa card, you hopefully trust Visa. Instead, the question is whether we trust your website to handle the credit card data in a sane and safe manner before it is ever sent to these backend providers. Specifically, we do not know whether the credit card ends up on your server (possibly stored poorly), and just knowing you use Stripe (which allows for that not to happen) doesn't guarantee that your server has the requisite security required to not have been modified to send the things we enter to a third party. (That said, I will say that I am not actually the kind of person who fears using my credit card online, so I may be simulating this argument train incorrectly; these thoughts go through my head, but my reasons for often using PayPal when provided the option have more to do with liking the kinds of reporting I can easily do using their APIs.)
  - moses1400 15y ago
    Aah - I need to add the line that we do not store your credit card info to the order form - thanks for that! It's on the thank you page but you are right - I could add it to the form. One thing I absolutely wanted in our new system was that we were never going to store the cc# - that's one of the reasons I liked Paypal/GC because we never stored the cc number. I read something about a wine store being hacked and the hackers getting all of the credit card numbers recently.
    - saurik 15y ago
      One of my points, however, is that I have to take your word on that, and even if I know that you are using Stripe, I have to trust that your webserver wasn't compromised and is now running a few lines of "extra" JavaScript that also skim my credit card to a third party site. (Honestly, and I realize this is a stupid bias on my part, I'd trust your site more if the labels on the text boxes lined up with text boxes. I think it is fair to say, however, that a lot of people have silly biases like that, as a lot of time you are just fighting with some gut feeling someone is getting about your site as they are about to convert, and not any appeal to rational argument.) (Again, though: I am actually the kind of person who tends to just use their credit card willy nilly. I, personally, would have no serious problem signing up for your site as is. However, if you had PayPal as a payment option, I'd use it, and in the end it could actually save you money. If you had Amazon Flexible Payments as a payment option I'd definitely use it, and it would almost certainly save you money.)
enjo 15y ago
We tested exactly this. Our conversion rate was appreciably higher when keeping users on the page (using the Braintree Vault) when compared with Paypal or Google. It seems to me that users have already decided to trust us at the point of putting in credit card information, and sending them off-site required them to rethink it.

dangrossman 15y ago

I agree, and that's where I start looking for the PayPal button. It doesn't have to be one payment processor or the other -- many major ecommerce retailers, and you, too! can have a credit card form on site and a PayPal button on the page to skip it. I offer it on all my sites and >50% choose PayPal, both for one-off payments and subscriptions. http://i.imgur.com/NEkG9.png http://i.imgur.com/NEkG9.png http://i.imgur.com/tocZf.png http://i.imgur.com/tocZf.png

saurik 15y ago
The striking realization for me with regards to PayPal usage (and how both reasonable it is to provide the option, as well as how many people must actually prefer to use it) was the day I noticed that Apple, a company that often is described as having the valuable asset "millions of customer's credit card details on file, ready for one-click purchase of anything on their Mac or iPhone", actually supports PayPal as a payment option in their iTunes suite.
- brazzy 15y ago
  Note that for an international business, PayPal has the invaluable benefit of supporting a huge bunch of national payment methods - in many countries, these are more widespread than credit cards, so if you want to do business with normal people there (like Apple), you have to support these methods.

moses1400 15y ago

I'd love more input here - the page is SSL - I purposely don't want to put "powered by stripe" on the page - so far the only one I have seen doing this (i did ask) is Kickstarter. If you have ideas on how to overcome your concern, I would totally love to hear it - thanks!

saurik 15y ago
"Powered by Stripe" doesn't help; I mean, in the end, you are "powered by Visa", and if you are using a Visa card, you hopefully trust Visa. Instead, the question is whether we trust your website to handle the credit card data in a sane and safe manner before it is ever sent to these backend providers. Specifically, we do not know whether the credit card ends up on your server (possibly stored poorly), and just knowing you use Stripe (which allows for that not to happen) doesn't guarantee that your server has the requisite security required to not have been modified to send the things we enter to a third party. (That said, I will say that I am not actually the kind of person who fears using my credit card online, so I may be simulating this argument train incorrectly; these thoughts go through my head, but my reasons for often using PayPal when provided the option have more to do with liking the kinds of reporting I can easily do using their APIs.)
- moses1400 15y ago
  Aah - I need to add the line that we do not store your credit card info to the order form - thanks for that! It's on the thank you page but you are right - I could add it to the form. One thing I absolutely wanted in our new system was that we were never going to store the cc# - that's one of the reasons I liked Paypal/GC because we never stored the cc number. I read something about a wine store being hacked and the hackers getting all of the credit card numbers recently.
  - saurik 15y ago
    One of my points, however, is that I have to take your word on that, and even if I know that you are using Stripe, I have to trust that your webserver wasn't compromised and is now running a few lines of "extra" JavaScript that also skim my credit card to a third party site. (Honestly, and I realize this is a stupid bias on my part, I'd trust your site more if the labels on the text boxes lined up with text boxes. I think it is fair to say, however, that a lot of people have silly biases like that, as a lot of time you are just fighting with some gut feeling someone is getting about your site as they are about to convert, and not any appeal to rational argument.) (Again, though: I am actually the kind of person who tends to just use their credit card willy nilly. I, personally, would have no serious problem signing up for your site as is. However, if you had PayPal as a payment option, I'd use it, and in the end it could actually save you money. If you had Amazon Flexible Payments as a payment option I'd definitely use it, and it would almost certainly save you money.)

enjo 15y ago

We tested exactly this. Our conversion rate was appreciably higher when keeping users on the page (using the Braintree Vault) when compared with Paypal or Google. It seems to me that users have already decided to trust us at the point of putting in credit card information, and sending them off-site required them to rethink it.