Ask HN: How do you process payments? • Hacker News Board

Re: Ask HN: How do you process payments?

#31

Post by koolba » Wed, Jan 29, 2020, 2:53 AM UTC

Old_Thrashbarg wrote: post #24

We use Chargebee backed by Stripe. We've been quite happy with Chargebee overall and would recommend them. The only downside is their customer support is very bizarre sometimes and a bit frustrating. For example, they limit API access to my own (events) data to the last N months. I contacted and asked them to remove the restriction, and they said that wasn't possible because the data was "archived". I pointed out tha…

What value do you get from a middle man between you and the raw Stripe API? Why recommend them?

From what you describe it just seems like a hassle with them acting as gatekeeper to your own historical transaction records.

Re: Ask HN: How do you process payments?

#32

Post by derrick_jensen » Wed, Jan 29, 2020, 2:54 AM UTC

Stripe and an in-house Bitcoin backend

Funny thing is that I'm working on debugging an issue with the Stripe API right now (or the library I'm using)

Re: Ask HN: How do you process payments?

#33

Post by ezconnect » Wed, Jan 29, 2020, 2:55 AM UTC

Paypal. Never had issues with them. Only problem is there are a few customers that are dishonest but they are just a couple of them Every year. Average transaction is 15usd

Re: Ask HN: How do you process payments?

#34

Post by lopmotr » Wed, Jan 29, 2020, 2:58 AM UTC

I'm a complete dinosaur using Paypal. It emails me when there's a payment and I manually respond to the customer. They have to wait until I check my email since I don't even get notifications. Sorry customers. Paypal is a nightmare of course. Don't be like me.

Re: Ask HN: How do you process payments?

#35

Post by robhunter » Wed, Jan 29, 2020, 3:08 AM UTC

koolba wrote: post #31

Old_Thrashbarg wrote: post #24

We use Chargebee backed by Stripe. We've been quite happy with Chargebee overall and would recommend them. The only downside is their customer support is very bizarre sometimes and a bit frustrating. For example, they limit API access to my own (events) data to the last N months. I contacted and asked them to remove the restriction, and they said that wasn't possible because the data was "archived". I pointed out tha…

What value do you get from a middle man between you and the raw Stripe API? Why recommend them? From what you describe it just seems like a hassle with them acting as gatekeeper to your own historical transaction records.

Customers need invoices, A/R tracking, recurring payments, line items on an invoice, billing for multiple entities, adhoc products/add-ons - a billing system and a way to process payments are separate things.

I believe Stripe does more and more of this stuff, but it isn't cheap and in our experience Chargebee has perfected a lot of that functionality.

Re: Ask HN: How do you process payments?

#36

Post by jimohalloranau » Wed, Jan 29, 2020, 3:09 AM UTC

inopinatus wrote: post #17

Pin Payments, for cards. They have an Australian focus but global capability. If you use a scheme card for Fastmail, you probably paid via Pin Payments. Pin have a Stripe-like API but a small-team feel during contact i.e. we know one another by name, and when escalating a technical query I've had dialogue directly with a dev lead. I've even received hand-written Christmas cards from them. I live in mortal terror of P…

I've been using Pin since very early days. Dev experience is great, the API is well thought out and documented.

Your fear about Pin being bought by an Australian financial institution may be unfounded (or it's already happened depending on your perspective). Back in the early days, it was fairly well known that National Australia Bank was a part owner in Pin, but I can't find anything to support that now. NAB is listed first on their partners page (https://pinpayments.com/company/partners) and their Terms of Service (https://pinpayments.com/terms/national-australia-bank) are a 3 way agreement between NAB, Pin and yourself.

I'm sure it would be worse if Pin was fully absorbed into NAB though.

Re: Ask HN: How do you process payments?

#37

Post by makeee » Wed, Jan 29, 2020, 3:10 AM UTC

I use Stripe and PayPal. PayPal accounts for about 30% of my revenue. As another data point, I get easily 10x more requests for Stripe integration on https://divjoy.com than all other payment options combined. Devs overwhelming want to use Stripe.

Re: Ask HN: How do you process payments?

#38

Post by balls187 » Wed, Jan 29, 2020, 3:12 AM UTC

Stripe.

Love the developer friendly aspect, and their customer service is awesome.

Due to a misunderstanding[1], they believed our service violated their TOS. Stripe offered us a week to migrate AND suggested a competitor that allows those types of Txns.

Luckily, with a message to Customer Support (via Twitter) we resolved the misunderstanding and never had to migrate.

Also worth noting, the issue was addressed on a Saturday.

1: Stripe mistakenly thought we were doing online prescriptions.

Re: Ask HN: How do you process payments?

#39

Post by lopmotr » Wed, Jan 29, 2020, 3:17 AM UTC

ezconnect wrote: post #33

Paypal. Never had issues with them. Only problem is there are a few customers that are dishonest but they are just a couple of them Every year. Average transaction is 15usd

I dare you to try doing a withdrawl while overseas. You may have to prove you're not where you are before they'll reinstate your account.

Re: Ask HN: How do you process payments?

#40

Post by wheelerwj » Wed, Jan 29, 2020, 3:19 AM UTC

hex1848 wrote: post #11

Authorize.Net is what we've used for online payments and our internal subscription processing for over a decade. API is easy to use. Never really had any downtime. Rates are competitive. No one has come along and given us much of a reason to change.

Authorize.net is OLLLLLLLLD school. Its the primary merchant service that is recommended/resold by banks.

I ended up choosing stripe but only because Stripe has better branding and was 'cooler' to use.