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Ask HN: Payment processing for micro SaaS outside USA?
I am developing a micro SaaS (not expecting to earn much from it), and I can't find a payment processor for it. I am in a country not supported by Stripe, so the obvious option is not possible.
I don't have business documentations (some of them require that), I just want to get paid via Credit Card (if they can include subscriptions that'd be great, if not I can try to code that myself), and then receive the money in my bank account or Paypal.
Is out there an option to do this without much bureaucracy? My customers wouldn't use crypto so that's not an option either.
- tntpreneur 2y agoI use lemonsqueezy.com. It has other features also, but I use it mostly as a payment gateway. It has a Stripe-like feel on their checkout page.
- devinfo 2y agoI rely on lemonsqueezy.com mainly for payment processing. Easy to setup and it includes other features, but its checkout page delivers a sleek, Stripe-like experience.
- contctlink 2y agoI have heard a lot of bad feedback about them lately. No issues so far with you?
- grezql 2y ago[dead]
- dsab 2y ago[flagged]
- torlok 2y agoIf you feel the need to go out of your way to use a racist metaphor that needs to be immediately explained, you may just be "głupi jak but" (https://en.wiktionary.org/wiki/g%C5%82upi_jak_but https://en.wiktionary.org/wiki/g%C5%82upi_jak_but).
- armstrong 2y agoI would recommend https://melange.technology/ https://melange.technology/ it suits well for my SaaS
- bloody-crow 2y agoTheir website mentions "clear documentation" and provides no link to said documentation. Very weird. Do they only show you docs when you engage their sales team?
- classicapple 2y agoNot sure if you've answered this - but what country are you in?
- asterix_pano 2y agoI wish a crypto like Nano would already be a solution for this kind of use case. Why is it still so hard in 2024 to accept payments globally, while the internet works everywhere?
- bdcravens 2y agoGovernments.
- neom 2y ago80% sure can shoehorn https://gitwallet.co/ https://gitwallet.co/ into doing this.
- kshmir 2y agoOP, contact me, also from Argentina.
- pythonbase 2y agoI am in the same boat. PayPal and Stripe don't work here, even Mercury is not accepting us anymore. So many ideas to execute, so few options to monetize.
- nitwit005 2y ago> I don't have business documentations (some of them require that) There are some exceptions, but registering a business is not difficult in most of the world. It's one of the more common government interactions. No one is going to let you take credit card payments without some sort of assurance you're a real business. Fraud is common, and it costs them money when it happens.
- jonathantf2 2y agoI just marked myself as a "sole trader" with Stripe and Square and I can take payments without a business
- quicksilver03 2y agoI'd avoid LemonSqueezy because the payouts fees if you're outside of the USA are too high (check out https://docs.lemonsqueezy.com/help/getting-started/fees https://docs.lemonsqueezy.com/help/getting-started/fees ). Paddle may be an option, depending on what your SaaS will sell, but if they start pretending that your business falls into a high-risk category they will demand 3 months of processing statements before allowing you to use their platform.
- ophilbert 2y agoMaybe you could tell us in which country you operate ? Would help to find the right psp
- deleted 2y ago[deleted]
- 101008 2y agoArgentina
- xtracto 2y agoIsn't MercadoPago an option for you?
- klaudemunn 2y agoDo you plan to get paid from Argentine customers? If not, maybe you can consider opening a US entity through Stripe Atlas, get a quasi-bank US account through Mercury and send the received amount to Argentina via SWIFT.
- 101008 2y agoNo, my ucstomers would be in the US and Europe. This is a SaaS for developers. Create a US entity through Atlas is exactly what I want to avoid. I'd prefer something simpler, where I can get paid (even if they get a high cut like 5%), and then send that money to Paypal or a bank account.
- bruce511 2y agoCompletely off topic, but developing products for developers (especially subscriptions) is difficult. I say this as someone who has been selling to developers for 30 years as one of my core functions. It's hard to sell to a group who premise their buying with "I could knock this up in a weekend , and do it better." Not to mention all the developers who have no work to do so code "alternatives" to Show HN. I survived by finding an incredibly tiny niche - really a tiny niche in a tiny niche - plus doing a lot of other work while building a brand. My advice is - there are easier groups to sell to.
- inquisitor27552 2y agogumroad?
- inquisitor27552 2y agoi think your best option is to save up for stripe atlas
- bootstrpppin 2y agoIt sounds like you’re describing a Merchant of Record (MoR). This is where customers pay a third-party service, which then handles payments, compliance, and then pays you. Check out gumroad, lemon squeezy and maybe Paypal.
- qcardona 2y agoHave you checked Paddle.com or 2Checkout?
- nh2 2y agoWe use the Paddle Merchant of Record (now "Paddle Billing") with our UK company. It works well; also worked well when we were very small. If you sell to consumers or non-VAT registered businesses, you will have to VAT-register with at least one EU member state and pay taxes there. Similar for US Sales Tax, which varies across US states (and feels extra unnecessarily complicated from my perspective). You also need to determine and validate from which country your customers are. This is a big pain. Stripe did not help with that. Using Paddle completely eliminates that. The support and dispute resolution were also good so far.
- ndjdjddjsjj 2y agoLeftfield suggestion: Clickbank.com
- rtsil 2y agoThis is a good answer, if one isn't bothered by the affiliates running wild in the neighbourhood. Clickbank is simple to set up, accepts individual vendors, and has subscriptions. The downside is you can't create a subscription product without going through approval, which adds delay. And also you'll need a separate CRM if there are many customers, because the backend is very basic.