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Ask HN: Best Stripe Alternatives?

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Re: Ask HN: Best Stripe Alternatives?

#11

Post by trevorhinesley »

ceffio wrote: post #8
eljimmy wrote: post #5

If you don't know what's causing the issue, how do you know the problem isn't on your end? Switching providers won't fix that.

Hi, Stripe's support keep telling us it is a a bank error. According to stripe logs, a successful transaction has 3 steps: create a token (/v1/tokens), then the customer (/v1/customers) and finally generate the payment (/v1/charges). At the moment, all the transactions are falling when they receive the customer (/v1/customer). I am not sure what's causing the issue, I am requesting to talk to an engineer to get any r…

I don't see the payment intent endpoint listed here, which means you're not allowing for authentication challenges (SCA/PSD2). So it's possible the bank is denying the charge, but your flow isn't accounting for it if it's not using payment intents. See here for updating your implementation to account for SCA: https://stripe.com/docs/strong-customer-authentication/migra...

Re: Ask HN: Best Stripe Alternatives?

#12

Post by ceffio »

IdontRememberIt wrote: post #9

> We want to own the entire checkout experience The less you see, the better. Being PCI DSS compliant (as soon as you see/store sensitive transaction data) is a pain...

What I meant was, we don't want to redirect them to another website. I agree with what you mention.

Sorry if I wasn't clear.

Re: Ask HN: Best Stripe Alternatives?

#13

Post by thestepafter »

ceffio wrote: post #12
IdontRememberIt wrote: post #9

> We want to own the entire checkout experience The less you see, the better. Being PCI DSS compliant (as soon as you see/store sensitive transaction data) is a pain...

What I meant was, we don't want to redirect them to another website. I agree with what you mention. Sorry if I wasn't clear.

You don’t have to redirect to another website. I recommend getting a better web developer because integration with Stripe can be completely seamless.

Re: Ask HN: Best Stripe Alternatives?

#14

Post by ceffio »

edwinwee wrote: post #3

Edwin from Stripe here. Sorry you've been having trouble as of late—do you know yet what’s causing those transactions to fail? I'm happy to help troubleshoot if you email edwin@stripe.com.

Wow Edwin, just wanted to thank you for replying. I'll email you latter.

Re: Ask HN: Best Stripe Alternatives?

#16

Post by sunaurus »

trevorhinesley wrote: post #11
ceffio wrote: post #8

Earlier quoted context omitted.

Hi, Stripe's support keep telling us it is a a bank error. According to stripe logs, a successful transaction has 3 steps: create a token (/v1/tokens), then the customer (/v1/customers) and finally generate the payment (/v1/charges). At the moment, all the transactions are falling when they receive the customer (/v1/customer). I am not sure what's causing the issue, I am requesting to talk to an engineer to get any r…

I don't see the payment intent endpoint listed here, which means you're not allowing for authentication challenges (SCA/PSD2). So it's possible the bank is denying the charge, but your flow isn't accounting for it if it's not using payment intents. See here for updating your implementation to account for SCA: https://stripe.com/docs/strong-customer-authentication/migra...

This was my first thought as well. OP, your symptoms sound very similar to an app I recently updated to support SCA - it was just dropping a portion of the payments.

Re: Ask HN: Best Stripe Alternatives?

#17

Post by ENGNR »

thestepafter wrote: post #13
ceffio wrote: post #12

Earlier quoted context omitted.

What I meant was, we don't want to redirect them to another website. I agree with what you mention. Sorry if I wasn't clear.

You don’t have to redirect to another website. I recommend getting a better web developer because integration with Stripe can be completely seamless.

Stripe is starting to inject themselves into the transaction, turning more into Apple Pay by saying the charges API is deprecated

I think OP is just looking for something similar to Stripe. I’ve found Pin Payments to be pretty good. If they’d support ‘connect’ I’d migrate everything over to them

Re: Ask HN: Best Stripe Alternatives?

#18

Post by jsumrall »

Too vague of a question, given the different ways a PSP can be regarded as “good”. Some have nicer docs, some have cheaper prices. It’s all in what you need and your volume, margins, return rate, etc.

I’d take a look at something like https://www.spreedly.com/ or https://www.verygoodsecurity.com/ if you want to avoid lock in with Adyen, etc. Something like VGS can work where you don’t store credit card data but also don’t rely on a single PSP for everything.

Re: Ask HN: Best Stripe Alternatives?

#19

Post by sixhobbits »

Braintree is probably the closest to stripe. I only implemented the sandbox version though.

If stripe says it's the bank's fault though, it probably is. We had issues with a lot of payments failing with "no not honor". It was the same with other providers and did turn out to be the banks

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