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Ask HN: Favorite payment processor?

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Re: Ask HN: Favorite payment processor?

#11

Post by StavrosK »

maccman wrote: post #9
frisco wrote: post #5

Braintree: http://www.braintreepaymentsolutions.com/ Libraries out of the box for Ruby, Python, PHP, .NET, and Java: http://www.braintreepaymentsolutions.com/gateway

Another +1 for Braintree, they've been excellent.

The only problem is their high fees ($75/mo minimum, $35/mo fee, 2.29% + $0.30 per transaction). They're an absolute killer if you want to accept micropayments of EDIT: They aren't even available outside the US :/

Re: Ask HN: Favorite payment processor?

#12

Post by StavrosK »

ladon86 wrote: post #8
StavrosK wrote: post #3

Earlier quoted context omitted.

Ah, good catch, why didn't I think of that? Are they available for UK banks? I'll look now, thanks...

No they're not. You need a credit card from a US bank. Amazon FPS has some really good aggregate payment features that I can't find anywhere else, so I'm starting a US company primarily to get round this.

Ah, that's why I didn't think of them :( That is terribly unfortunate. They seem to be the best option so far, and if the only alternative is Braintree, it seems that the project is dead before it even begins...

Re: Ask HN: Favorite payment processor?

#14

Post by compumike »

PayPal can now do the pre-authorization thing under their Adaptive Payments API (see https://www.x.com/docs/DOC-1419). We did exactly what you're talking about (one-time preapproval, and then either charge or cancel after a few days) for a project earlier this year. You do have to explicitly apply to PayPal for access to these advanced APIs, but we found that process to be quick and painless. The API is relatively clean.

When we were working with it earlier this year, the end user had to have a PayPal account, which might be a barrier. However, my understanding is that this is no longer required (https://www.thepaypalblog.com/2010/06/it%E2%80%99s-official-...).

Re: Ask HN: Favorite payment processor?

#15

Post by to »

i always liked moneybookers. sadly nobody uses them. why? - more countries - better support - account and linked bank accounts are not chained to your location (im german living in america with an austrian bank account: paypal fail - german adress with austrian bank not possible same with us address. its the god damn EU i can open accounts where ever i want as citizen of the EU) - higher limits - way less bullshit

Re: Ask HN: Favorite payment processor?

#16

Post by mvip »

StavrosK wrote: post #6
pledgingto wrote: post #4

Earlier quoted context omitted.

To be more precise, Amazon Flexible Payments Service ( http://aws.amazon.com/fps/ )

Thanks, their website is a bit hard to navigate, they only emphasized simple payments and Amazon checkout.

I can't seem to find if it's only available to US/UK users, or if it can be used for clients world wide. We're based in the US and are currently using Google Checkout (which works great), but would like to offer our users an alternative.

Re: Ask HN: Favorite payment processor?

#18

Post by jasonkester »

StavrosK wrote: post #11
maccman wrote: post #9

Earlier quoted context omitted.

Another +1 for Braintree, they've been excellent.

The only problem is their high fees ($75/mo minimum, $35/mo fee, 2.29% + $0.30 per transaction). They're an absolute killer if you want to accept micropayments of EDIT: They aren't even available outside the US :/

$100/month is not a lot of money. If you're a business, and you want to process credit cards, that's what it will cost you.

A good definition of "hobby" is anything where a $100/month expense eats into your profits in a meaningful way.

You're right about micropayments though. Apart from AWS, I don't know of anybody who offers a good way to do them.

Re: Ask HN: Favorite payment processor?

#20

Post by auxbuss »

swombat wrote: post #17

In the UK, I've happily used SecureTrading. They provide great customer service. I wrote an ActiveMerchant plugin for them too: https://github.com/swombat/active_merchant

Hard to evaluate, though, as they don't publish any pricing. Not that I could find. Suspicious minds might conclude: What have you got to hide? Also, it's disingenuous to claim rates lower than the competition without publishing them.
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