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EBay to Ditch PayPal for Dutch Payment Processor Adyen

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Re: EBay to Ditch PayPal for Dutch Payment Processor Adyen

#191

Post by darthbanane »

analog31 wrote: post #13

Here's what puzzles me. I have looked into Stripe, and just browsed the Adyen webpage. Both of those services seem to require you to maintain your own "active" server that can run server side code. PayPal seems to be unique in being able to take payments from a passive web page, because the customer conducts their transaction at PP's website. This is why I continue to use PP for my tiny little business (without eBay)…

Adyen actually provides this too, it's called Hosted Payment Pages (HPP)[1] and it's difficult to find because the documentation structure is abysmal.

There's a shared secret you can use to verify the payment when they callback to you after payment, and their HPP is skinnable.

[1] https://docs.adyen.com/developers/api-reference/hosted-payme...

Re: EBay to Ditch PayPal for Dutch Payment Processor Adyen

#192

Post by elif »

reacharavindh wrote: post #116
donatj wrote: post #88

Earlier quoted context omitted.

This. Entirely. I used to work for a small ecommerce webdev shop. I’ve worked on sooo many shitty insecure shopping carts over the years I simply know not to trust basically any small website asking for my card. Completely unencrypted, storing CVVs, sending CC details as GET parameters, I’ve seen it all. It’s painfully common! If a company is not a huge name, and is handling your credit card info themselves, they are…

This. I wish there was a fundamentally different way of handling payments. Something like a one time hash you give the vendor that serves like a digital check(cheque). This way, if they lose the hash they lost their money instead of the customer's. Handing a merchant credit card details "feels" like handing them a blank Check and trusting them to not take more than they should because of the risk of them losing the d…

not sure if this is an obtuse cryptocurrency joke, or you didn't realize you were describing cryptocurrency...

Re: EBay to Ditch PayPal for Dutch Payment Processor Adyen

#193

Post by cdancette »

analog31 wrote: post #13

Here's what puzzles me. I have looked into Stripe, and just browsed the Adyen webpage. Both of those services seem to require you to maintain your own "active" server that can run server side code. PayPal seems to be unique in being able to take payments from a passive web page, because the customer conducts their transaction at PP's website. This is why I continue to use PP for my tiny little business (without eBay)…

Stripe checkout does this

Re: EBay to Ditch PayPal for Dutch Payment Processor Adyen

#194

Post by jonknee »

gscott wrote: post #89
jonknee wrote: post #49

Earlier quoted context omitted.

And there actually was... PayPal itself is still (after this news) worth more than both eBay and PayPal were as a single company. Add both together and it was an obvious win.

Strange that since eBay probably owns a lot of PayPal stock that they would try to tank Paypal. Maybe eBay sold their Paypal stock holdings ahead of this change.

eBay has no stake in PayPal, that was the whole purpose of splitting it out. Shareholders of eBay before the split were given PYPL shares on a 1:1 basis.

Re: EBay to Ditch PayPal for Dutch Payment Processor Adyen

#195

Post by krutzger »

kevin_thibedeau wrote: post #82
clintonb wrote: post #58

Earlier quoted context omitted.

The reason for processing on your own server is so you own the entire checkout experience. If you redirect he user to another site for payment, you run the risk of losing track of that user. Also, the third-party’s branding may clash with your own.

Going to a well known third party is a guarantee that my payment data isn't sitting in a poorly secured vendor database. That's more important to me than a seamless transaction. PayPal is most useful when you don't fully trust the site you are buying from to have their shit together.

I see a possible problem with that statement: starting from a poorly secured sellers site, users can't really be sure if he ends up on the real PayPal page anyway.

Re: EBay to Ditch PayPal for Dutch Payment Processor Adyen

#196

Post by bdhess »

marcell wrote: post #93
donatj wrote: post #88

Earlier quoted context omitted.

This. Entirely. I used to work for a small ecommerce webdev shop. I’ve worked on sooo many shitty insecure shopping carts over the years I simply know not to trust basically any small website asking for my card. Completely unencrypted, storing CVVs, sending CC details as GET parameters, I’ve seen it all. It’s painfully common! If a company is not a huge name, and is handling your credit card info themselves, they are…

> If a company is not a huge name Not to be snarky, but a huge name is no guarantee of safety. See: Target, Equifax.

Parent didn’t say that. You assumed the converse.

Re: EBay to Ditch PayPal for Dutch Payment Processor Adyen

#197

Post by huangbong »

ddsaso wrote: post #182
toomuchtodo wrote: post #6

Earlier quoted context omitted.

Is there middleware that can route transactions based on criteria to various payment processors?

I work at Spreedly and this is essentially what we do. Store credit cards with us (we're PCI Level 1 Compliant) then decide which payment processor you want to send cards to for transactions. We don't provide automatic routing so you'd need to decide which processor to use on your end but you could easily charge the same card against two different payment gateways if you wanted to.

Did you guys recently just change your pricing structure? I remember it was per card a while ago and thought it was too expensive. But not it doesn’t look that bad!

Re: EBay to Ditch PayPal for Dutch Payment Processor Adyen

#198

Post by clintonb »

kbart wrote: post #107
clintonb wrote: post #58

Earlier quoted context omitted.

The reason for processing on your own server is so you own the entire checkout experience. If you redirect he user to another site for payment, you run the risk of losing track of that user. Also, the third-party’s branding may clash with your own.

From a user perspective, I wouldn't trust a site that uses it's own payment processor, unless you are Amazon, Ebay etc. Double that if you ask for credit card details. Redirecting to a well-known payment processor (PayPal etc.) guarantees that I can pay safely.

> From a user perspective, I wouldn't trust a site that uses it's own payment processor, unless you are Amazon, Ebay etc.

"etc."? That leaves a lot of companies where you potentially do business. Note that the size of the company isn't necessarily an indicator that the company knows how to safely handle payment information.

Re: EBay to Ditch PayPal for Dutch Payment Processor Adyen

#199

Post by clintonb »

athenot wrote: post #176
reacharavindh wrote: post #116

Earlier quoted context omitted.

This. I wish there was a fundamentally different way of handling payments. Something like a one time hash you give the vendor that serves like a digital check(cheque). This way, if they lose the hash they lost their money instead of the customer's. Handing a merchant credit card details "feels" like handing them a blank Check and trusting them to not take more than they should because of the risk of them losing the d…

I could be wrong but I think this is how Apple Pay is supposed to work. (Though a non-proprietary version of this would be fantastic, but this is a baby step I suppose.)

That is mostly how Apple Pay works. The one-time hash happens to be a transaction-specific credit card.

Re: EBay to Ditch PayPal for Dutch Payment Processor Adyen

#200

Post by clintonb »

Already__Taken wrote: post #153
reacharavindh wrote: post #133

Earlier quoted context omitted.

Yeah, but that's like buying a gift card for every merchant. That's a huge inconvenience. I can't buy one for every small website I want to buy stuff from..

It's 2018 we should be generating these on the fly from my encrypted 2FA phone app instantly.

You do, if you use Apple Pay or Google Pay.
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