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Stripe in Canada
- noirman 14y agoYes!!! Great job, Stripe Team.
- kurtvarner 14y agoIn many ways, launching in Canada is a big step for us—going from 1 to 2 is often harder than going from 2 to n—but it’s only a small piece of what we have in mind. We grew up in countries from Honduras to Kenya, and a large part of why we’re so eager to build Stripe is to help those outside the US to participate as first-class citizens in the internet economy. I'm glad they address this before people complain about Stripe only moving to Canada.
- batgaijin 14y agoI'm very curious to how much time they have budgeted for this - has this been consuming 50% of their time? 75%? It's really hard for me to tell if this was a real problem for them, or if they were just working on other stuff because the competition is still non-existent.
- vitno 14y agoMoving to other countries is crazy difficult. They have to deal with a whole host of legal BS every time.
- gbelote 14y agoIt's probably tough to measure. I imagine most of the bottlenecking comes from communicating with external entities, which may not scale well by adding more Stripers to the task. I would be surprised if they could just pull a developer aside and say "Joe, you're off feature X. Go call up Canada and make things happen!" While they probably don't feel external pressure due to lack of competition, I doubt they're hotdoggin' it because they are leaving money on the table.
- whyleyc 14y agoGood job guys - what's your ETA for the UK ? We're crying out for you !
- h2s 14y agoYes we are. Shut up and take my money.
- mietek 14y agoAnd mine!
- mseebach 14y agoIt seems Stripe is ideal for a partnering approach - have national established payment processors hook up to Stripes backend (after a vetting/selection process, of course). That way they can expand quickly without having to internalize the many different quirks of payment systems across the world. Stripe UK - powered by [foo] Ltd.
- grey-area 14y agoIf there is a stripe beta in the uk sometime soon, we'd love to take part... Is there anywhere we can join a waiting list for a uk beta? Perhaps it would be worth keeping a list per country of companies who are interested to judge demand?
- michaelschade 14y agoThere is! If you sign up at https://stripe.com/global https://stripe.com/global, we'll reach out once we're ready to start beta testing.
- grey-area 14y agoGreat thanks, I've signed up for the uk and await the email!
- xal 14y agoWe at Shopify just enabled automatic account provisioning for Canadians. End of an era of endless pain. We are thrilled!
- fruchtose 14y agoSpeaking as a non-merchant, I'm curious. What's the most painful thing that Stripe took care of?
- thibaultj 14y agoReplacing Paypal?
- xal 14y agoWaiting weeks for getting your merchant account setup. This usually involved faxing your ID and filling out boatloads of forms.
- tobyjsullivan 14y agoI have yet to implement Stripe but PayPal's options without a monthly fee are downright goofy (and PayPal is the only other processor to have a no-monthly-fee option in Canada). "Buy now" buttons and IPN... eww.
- tobyjsullivan 14y agoOkay, now that I've officially implemented Stripe the official answer is dev time. PayPal took days to get a full solution implented (start to finish). Stripe took on the order of three to five hours. I can already tell maintenance will be almost non-existent in comparison and user experience is way, way better.
- tibbon 14y agoThis is a great step. I'm really looking forward to being able to split transactions with the Platform so I can easily create an Apple-like App Store experience (where my customers get 90% of whatever and I get 10% of the transaction).
- amfeng 14y agoYou can do this with Apps already (although it's still in beta)! (: https://stripe.com/docs/apps https://stripe.com/docs/apps
- redstripe 14y agoThis is great. Although I was a bit surprised by the lengthy prohibited businesses section - https://stripe.com/ca/terms#Prohibited+Businesses https://stripe.com/ca/terms#Prohibited+Businesses There are some legitimate business apps that not allowed. e.g. anything twilio based: (36) prepaid phone cards, phone services or cell phones
- deleted 14y ago[deleted]
- atlbeer 14y agoIt's probably just a straight copy and paste from their upstream merchant.
- 2arrs2ells 14y agoWith a goof in the numbering! (44) telecommunications equipment and telephone sales, (45) timeshares, (46) travel agencies or travel clubs, (47) online or other non-face-to-face tobacco or e-cigarette sales, (44) weapons and munitions
- nucleardog 14y agoThe ban on e-cigarette sales is also confusing. They are completely legal to distribute and own in Canada.
- hakanito 14y agoGreat work! Naturally I figure Sweden will be next ;)
- wingerlang 14y agoPlease, take it to Sweden!
- Dystopian 14y agoGREAT STUFF STRIPE! Crossing Stripe off the list of innovative services I can't use in Canada Will definitely use you for my next product!
- run4yourlives 14y agoThank you stripe for: 1. Listening to us :-) 2. Adding a viable resource to the Canadian marketplace.
- shyn3 14y agoThey forgot Interac for Canadians.
- tobyjsullivan 14y agoI don't think that's a feature anybody is pining over (with the possible exception of a very small percentage of end-customers who don't have credit cards). Although a few web sites accept it (I think), I don't think I've ever heard of anyone actually buying stuff on-line with Interac. Anybody have any data to rebut that?
- nchlswu 14y agoAnecdotally, I've had the same experience. Interac money transfers from person to person on the other hand is very common
- shyn3 14y agoFor individual developers it seems useful. Right now for $1.50 or a monthly fee of $10.00 I can send an unlimited amount of money to a Canadian bank account holder. This would allow Canadians to pay Americans through their bank account. But I made the comment really to highlight how forgotten Canada is even when it is remembered.
- goodcanadian 14y agoI did once use Interac for an online purchase. It was because the merchant required a "Verified by Mastercard" or some such which was impossible for me to get on my Canadian credit card without a Canadian address (I live overseas). It is a bit of an edge case, I admit, and I would still choose the credit card over the debit card most of the time, but it is once example where accepting Interac was a good thing for the consumer. Of course, I would have been happier if they just accepted my credit card without the "Verified by Mastercard" BS.
- smweber 14y agoI used to pay for prepaid phone credit from Fido's website using Interac online payment. One time Fido's server failed right after the Interac server accepted my payment. As far as my bank could tell everything went through fine, but Fido had no record of any attempt at payment. I only use my credit card online now.
- wildmXranat 14y agoYes! I received my Beta invite last night and integrating with Stripe moved to the top of my to-do list.
- brendanobrien 14y agoSo excited! Thank you Stripe!
- drm237 14y agoThis is great news. While working with Stripe today, I noticed something a bit unnerving. The Stripe charge method will create a charge even if the CVC and the AVS fraud checks fail. It's then up to you to monitor this and reverse the charge if you feel it's too high risk (there's no fee reversal though). There are ways to get around this with custom development, but that doesn't help for people who are using software that's already integrated with Stripe. It would be great to see a fraud setting that would allow you to prohibit charges from going through depending on what checks fail.
- purephase 14y agoThis and the mass pay option in Paypal is what keeping us from migrating. I was/am? still working on a better fraud model for Paypal that could easily be swapped out for Stripe given the similarities between the payment provider responses. Not that I'm promoting Paypal's fraud controls in any way. They're terrible as well. The way I see it now, Stripe made it easy. If they could lock down the secure aspect they'll run away with the game. Integrating with something like maxmind might be a good direction for them to look. Edit: Just noticed the Stripe Apps functionality. It might suffice for an alternative to the mass pay functionality that Paypal provides. This just got a little more interesting.
- adambenayoun 14y agoCheck out a blog post we wrote some time ago about fraud prevention (we're both using paypal and stripe). http://www.binpress.com/blog/2012/07/31/fighting-online-fraud-pitfalls-and-solutions/ http://www.binpress.com/blog/2012/07/31/fighting-online-frau... Might be of interest to you.
- michaelschade 14y agoAs a brief bit of background: these charges are accepted because card brands do not always decline if the CVC fails (and AVS has no effect); instead, they're taking several signals into account. We expose as much data as possible to give you full control (https://answers.stripe.com/questions/what-controls-for-fraud-prevention-does-stripe-offer https://answers.stripe.com/questions/what-controls-for-fraud...). That said, I really appreciate the feedback. We're actively working on better fraud controls that should be ready soon!
- robmclarty 14y agoSo much less pain in Canada now. Thank you Stripe!
- d0m 14y agoThat Country selection drop-down is pretty slick, love it. Is there any plan in open sourcing it?
- pc86 14y agoWhat is there to open source? It's HTML, CSS and JS.
- chris24 14y agoThere's no license.
- biot 14y agoIt's also copyrighted, meaning that while you may be able to study the source and prepare your own implementation, you would be unable to use any of the assets. Open sourcing it would give you the legal right to use it verbatim according to the terms of whatever license they choose.
- tsieling 14y agoThis is great news. We got into the beta for Canadian service and what a breath of fresh air. Goodbye, forever, Paypal, I look forward to watching your slow, sad demise.
- deleted 14y ago[deleted]
- 47 14y agoIt still does not let you charge in US Dollars (Yes I know the customer can pay in what ever currency they want). But from a Canadian business point of view where your large section of customers are from US. Stripe is still not a very attractive option.
- boucher 14y agoActually, you can choose to charge in either USD or CAD, but you can only choose one with your account. If you need to charge in both currencies, for the moment we recommend creating two separate Stripe accounts.
- braver 14y agoPayPal is really great. Buts it has oldish APIs and horrible documentation. Great to see promising services like stripe moving out of the US. Looking forward to see you guys all over the globe.
- armandososa 14y agoYay! I think it's easier to open an account in Canada from outside than opening one in the US. Do you know if that's true for Mexico?
- j45 14y agoThis is great news.
- slajax 14y agoIf Stripe and Square made a baby it would be the most glorious merchant baby ever.
- indiecore 14y ago:D
- jblake 14y agoI'm currently on Beanstream with terms that were acceptable at the time (hard to get a Merchant Account) but are now completely unacceptable and am interested in a switch. - 5% 6 month rolling reserve // - 2 week + 5 day lag settlements // - 2.8% blended + monthly fees. Am I crazy to not switch, or should I present this to Beanstream and get better terms? Other than my terms, I have nothing but ecstatically positive things to say about BS. Note: my terms are like so because of the nature of my business model. It is high risk, like a TPPA (third party payment aggregator). Think: Eventbrite. Appreciate the feedback.
- jblake 14y agoI say "High Risk" because that is how it was evaluated at the time. We have had our Beanstream account for over 6 months with zero chargebacks, a 100% clean record. If a Stripe rep appears here and makes an offer - jeff@goodnights.me - you have my business.
- conradfr 14y agoI often speak about Stripe here in France and nobody knows it. I hope it will come sooner than later because the market of credit card (well, debit card) charging only offer horrible tools (and the usual PayPal).
- juzfoo 14y agoGreat News! Have couple of questions though, 1. What are the PCI implications if I were to use stripe.js in my site? Will I have to get my application and deployment stack PCI verified? 2. I will have customers from both US and Europe, so what is the ideal approach to support multi currency so that customers end up paying the same (or close to same) price that they saw on my website?