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Ask HN: How do you process payments?

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Re: Ask HN: How do you process payments?

#41

Post by daguava »

balls187 wrote: post #38

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…

Did you have to escalate via twitter or did you try other options first?

I'm asking because if twitter was the first escalation and it worked, Great!

If twitter was another resort after unsuccessful support.... not so great.

Re: Ask HN: How do you process payments?

#42

Post by slivanes »

Elavon for direct card (they supported 3DSecure early back in the day), PayPal, and Bitcoin. We used to support Western Union, but we got blocked after a random amount of funds was received, their support was not able to help.

Business is for digital goods.

Would like to support worldwide bank transfers if it can be safe and quick for both sender and receiver, anyone got any tips?

Re: Ask HN: How do you process payments?

#43

Post by wakatime »

We[1] use Stripe[2], Braintree[3], Coinbase Commerce[4], and GitHub Marketplace[5].

We built our own quote logic including prorating, etc. then apply that as recurring subscription using Braintree if customer wants to pay with PayPal, or Stripe if customer wants to pay with credit/debit card.

Breakdown by processor:

73% Stripe

26% Braintree/PayPal

0.7% GitHub Marketplace

0.3% Coinbase Commerce

[1]: https://wakatime.com/

[2]: https://stripe.com/

[3]: https://www.braintreepayments.com/

[4]: https://commerce.coinbase.com/

[5]: https://github.com/marketplace

Re: Ask HN: How do you process payments?

#44

Post by dlhavema »

wheelerwj wrote: post #40
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.

I worked with authorize.net in 2006/7 for a php driven lead gen site... that brings me back...

Re: Ask HN: How do you process payments?

#47

Post by pkaye »

balls187 wrote: post #38

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…

> Stripe mistakenly thought we were doing online prescriptions.

Can you say what your company was actually selling?

Re: Ask HN: How do you process payments?

#50

Post by kf »

The FDA/DEA have waged war on the kratom industry in extralegal fashion; I've had my personal bank accounts and credit cards shut down without explanation via https://en.wikipedia.org/wiki/Operation_Choke_Point.

With Operation Chokepoint over, the DEA/FDA still have colluded to prevent the kratom industry from processing credit cards. For my website www.getkratom.com, we take checks, echecks, and cryptocurrency. Sales are about 1/3 of what they were when we were able to take credit cards.

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