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Ask HN: Recommended credit card payment service for companies outside US?

• s_henry_paulson 15y ago
  Why don't you just set up a merchant account? i.e. authorize.net. You don't need some gimmicky service to process transactions.
  • dangrossman 15y ago
    Authorize.net is not a merchant account or merchant account provider. It's just a gateway, the software that sits between your merchant account's processing network and your website. Authnet only supports USD and primarily US processing networks.
• gkn 15y ago
  I was in the same boat as you. If you want a globally available service that IS developer friendly, reliable and simple, PayPal might actually be the correct answer after all. It is what we ended up with after a lot of research. I don't know your reasons for not wanting to use PayPal, they might differ from my hesitations, but after spending a couple of days experimenting, reading docs and so forth, I found the technical side of it extraordinaraily flexible and easy to use.
• DivByZero 15y ago
  PayPal is the quickest solution, not the best one ! Moreover most advanced features to integrate payment directly on your web site are available un US/AU/CA/UK only. We recently had the same problem, mainly for recurrent billing, and the overall scenario is quite depressing in Europe. The process of being accepted and setting up a payment gateway and merchant account is very long and require tons of documentation. We checked recurly, chargify and cheddargetter. All of them have some EU partners but they rates are often very high and responses are slow. After two weeks of investigation right now I would suggest you cheddargetter (https://cheddargetter.com/ https://cheddargetter.com/). You'll still have to go through lot's of papers and bureucracy but at least their support (both from them and from their EU partners) is very quick. We set up an account, opened a ticket to be helped setting up merchant account and within 3 hours we've been helped and immidiately contacted by their european partner to set up our merchant account. However, if you're not looking for recurrent billing, there could be more convenient local solution in your country provided directly by banks. Another respected solution in Europe is Ogone. We used them for a couple of our clients and they're at least decent :)
• tzury 15y ago
  Thank you all for the names and suggestions, I will check all sites mentioned and see what fits best.
  • DivByZero 15y ago
    That was my first comment on HN ... glad it was useful :)
• ifearthenight 15y ago
  As others in this thread I have researched this numerous times un various roles and unfortunately PayPal comes up time and again for small business needs. Merchant accounts are a lot of work unless you are talking rather high revenues. Sorry to disappoint.
• mogston 15y ago
  If you're in the UK I would recommend the following: - Barclaycard for your merchant bank account - SagePay for the payment gateway And if you're implementing recurring payments then I'd recommend Recurly. After much trial and error this is the best combo that I could find. If you're after something even simpler, try using hosted payment page solution from SagePay. Make sure you take into account VAT when taking payments in the UK.
• lox 15y ago
  As a developer originally from Melbourne, I struggled with this. We settled on WorldPay, who provide the merchant account and the gateway. They are pretty terrible, but they get the job done. Alternately, PaymentExpress (http://www.paymentexpress.com/ http://www.paymentexpress.com/) seemed like a great option.