6 ms·

I'd take a serious look at Braintree for credit card processing http://www.braintreepaymentsolutions.com/ http://www.braintreepaymentsolutions.com/. I'm not aff

I'd take a serious look at Braintree for credit card processing http://www.braintreepaymentsolutions.com/ http://www.braintreepaymentsolutions.com/. I'm not affiliated, we're a customer that uses them for processing. Reading stories like this, I'm glad we do. When we signed up they gave us a heads-up on almost every one of these facts (i.e. warning us up front to authorize a minimum of a dollar or many banks would reject it). They called AMEX on our behalf to get the service hooked up so we didn't have to. They've also given us tons of technical advice, like how to improve accuracy on AVS checks and details on what some of the esoteric failure codes really mean.

ahoyhere 18y ago
Last time I looked they have a minimum bar of $250,000 of business a month, or they're not interested in you. Thus not an option for people starting out.
- callmeed 18y ago
  Not true. We use Braintree and they're great. We're not doing $250k/mo yet but had no problems getting signed up with them back in May. We also helped a partner company get setup with BT recently. They're doing < $50K a month IIRC. Have not run into most of the problems mentioned in the OP.
  - hopeless 18y ago
    And, dare I ask without sounding like a complete user, what would you use if you were only doing < $1000/month. Would a credit card processor even touch you or is it basically just paypal?
    - ocskills 18y ago
      Paypal and Google Checkout are both good alternative options to look at. In some cases when you factor in all of the upstream credit card processing charges you'll even pay less.
      - NeverGetBusted 18y ago
        Authorize.net, PayPal, and Google all have canceled my account (after first telling me there would be no problem, and then commending me on my sales volume and zero chargebacks), refusing to stand up for free speech, and instead falling back on their legal boilerplate when my political enemies (the free-speech-hating DEA) called them and threatened them. So much for free speech in the USA! When it comes to any speech that needs protecting, there is no freedom of speech, because it has to exist in an ocean of extra-constitutional tax-subsidized legal threats. Free speech only means something if there's someone brave enough to speak. In this case, the United States CC processors don't have that bravery. They are virtually all rank cowards. Jefferson, John Locke and Thomas Paine are rolling in their graves. If you get high, or you are a friend of freedom, then please, tell everyone you know to boycott google pay, authorize.net, and paypal. Boycott them, don't pay them, never give them a dime. Seriously. If you do support them, don't come crying to me when they open your records to the DEA or the tax man, or shut you down because somebody doesn't like what you're saying. In this case, my "sour grapes" aren't that I'm losing money, my "sour grapes" are that my beautiful free country was sold down the river for an idle threat. The best revenge you can get is check out my sites anyway, and if you like what you see, order by phone. Or come back when our offshote account is set up. http://www.kopbusters.com http://www.kopbusters.com http://www.nevergetbusted.com http://www.nevergetbusted.com
    - tkiley 18y ago
      This discussion is probably dead, but just in case: Within the last year, I've been in the position of doing <$1k/month on a credit card processor, and it was actually a delightful experience. The company I originally worked with was bought/renamed or something and I haven't had to deal with them in quite a few months, but I can probably dig up a contact. Email me if you like.
- ivey 18y ago
  IIRC they have an exception for that for Rails projects, or something like that.
  - goodkarma 18y ago
    They don't have any exceptions. I paid for the rails SAAS kit and then talked to Braintree and it took a week's worth of email just to get them to send me the application. They told us that if we didn't do enough volume they would cancel our account. I ended up just going with Payflow Pro (Paypal). Had to rewrite most of the SAAS kit..
    - lunaru 18y ago
      nod. braintree are tools if you're not a big player.
sjs382 18y ago
I recently used CyberSource for a project. I'm not the best programmer by any means but was able to get it up and running fairly quickly. (No affiliation with CyberSource)

ahoyhere 18y ago

Last time I looked they have a minimum bar of $250,000 of business a month, or they're not interested in you. Thus not an option for people starting out.

callmeed 18y ago
Not true. We use Braintree and they're great. We're not doing $250k/mo yet but had no problems getting signed up with them back in May. We also helped a partner company get setup with BT recently. They're doing < $50K a month IIRC. Have not run into most of the problems mentioned in the OP.
- hopeless 18y ago
  And, dare I ask without sounding like a complete user, what would you use if you were only doing < $1000/month. Would a credit card processor even touch you or is it basically just paypal?
  - ocskills 18y ago
    Paypal and Google Checkout are both good alternative options to look at. In some cases when you factor in all of the upstream credit card processing charges you'll even pay less.
    - NeverGetBusted 18y ago
      Authorize.net, PayPal, and Google all have canceled my account (after first telling me there would be no problem, and then commending me on my sales volume and zero chargebacks), refusing to stand up for free speech, and instead falling back on their legal boilerplate when my political enemies (the free-speech-hating DEA) called them and threatened them. So much for free speech in the USA! When it comes to any speech that needs protecting, there is no freedom of speech, because it has to exist in an ocean of extra-constitutional tax-subsidized legal threats. Free speech only means something if there's someone brave enough to speak. In this case, the United States CC processors don't have that bravery. They are virtually all rank cowards. Jefferson, John Locke and Thomas Paine are rolling in their graves. If you get high, or you are a friend of freedom, then please, tell everyone you know to boycott google pay, authorize.net, and paypal. Boycott them, don't pay them, never give them a dime. Seriously. If you do support them, don't come crying to me when they open your records to the DEA or the tax man, or shut you down because somebody doesn't like what you're saying. In this case, my "sour grapes" aren't that I'm losing money, my "sour grapes" are that my beautiful free country was sold down the river for an idle threat. The best revenge you can get is check out my sites anyway, and if you like what you see, order by phone. Or come back when our offshote account is set up. http://www.kopbusters.com http://www.kopbusters.com http://www.nevergetbusted.com http://www.nevergetbusted.com
  - tkiley 18y ago
    This discussion is probably dead, but just in case: Within the last year, I've been in the position of doing <$1k/month on a credit card processor, and it was actually a delightful experience. The company I originally worked with was bought/renamed or something and I haven't had to deal with them in quite a few months, but I can probably dig up a contact. Email me if you like.
ivey 18y ago
IIRC they have an exception for that for Rails projects, or something like that.
- goodkarma 18y ago
  They don't have any exceptions. I paid for the rails SAAS kit and then talked to Braintree and it took a week's worth of email just to get them to send me the application. They told us that if we didn't do enough volume they would cancel our account. I ended up just going with Payflow Pro (Paypal). Had to rewrite most of the SAAS kit..
  - lunaru 18y ago
    nod. braintree are tools if you're not a big player.

sjs382 18y ago

I recently used CyberSource for a project. I'm not the best programmer by any means but was able to get it up and running fairly quickly. (No affiliation with CyberSource)