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Ask HN: How do you process payments?

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Re: Ask HN: How do you process payments?

#131

Post by ss3000 »

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…

Chargebee looks really promising but the pricing of minimum $250 per month feels way too steep for bootstrapped businesses that are just getting started, and a billing system feels like something I'd want to decide on at the beginning and have it scale with my business rather than starting with something basic and then have to refactor to something else later once the business starts gaining steam.

Anyone have recommendations for similar services that have a lower price of entry?

Re: Ask HN: How do you process payments?

#132

Post by celticmusic »

powerslacker wrote: post #95
celticmusic wrote: post #81

Earlier quoted context omitted.

Stripe only allows access to the last 30 days of events, it sounds like this 3rd party is offering a service of collecting that for longer (probably among other things).

What do you mean last 30 days of events? I use Stripe's API's daily and you can go back much further than that.

https://stripe.com/docs/api/events/list

> List events, going back up to 30 days.

If you're able to go further than that you may be paying extra for it.

Now, if you have the event id then you'll be able to pull it, but you can't simply list them out unless that documentation is lying.

Re: Ask HN: How do you process payments?

#134

Post by michristofides »

ss3000 wrote: post #131
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…

Chargebee looks really promising but the pricing of minimum $250 per month feels way too steep for bootstrapped businesses that are just getting started, and a billing system feels like something I'd want to decide on at the beginning and have it scale with my business rather than starting with something basic and then have to refactor to something else later once the business starts gaining steam. Anyone have recomm…

Looks like they have a free tier for the first 50k in revenue: https://www.chargebee.com/launch/

Re: Ask HN: How do you process payments?

#135

Post by fastest963 »

judge2020 wrote: post #62
fastest963 wrote: post #2

We use Stripe to process credit card payments and we're adding support for ACH soon. Recently they made some changes to pricing (charging for Radar and non-US cards) that was surprising but otherwise they've been amazing. Great tooling support, great customer service and overall great platform.

>ACH soon What is your approach to bank account verification? Plaid/Yodlee, a more traditional "deposit x money, ask for verification", or both?

We plan to do the traditional 2 small deposit verification. After discussing we decided not to force our customers to give up their bank logins to Plaid just for a quicker verification.

Re: Ask HN: How do you process payments?

#136

Post by fastest963 »

chrisgoman wrote: post #68
judge2020 wrote: post #62

Earlier quoted context omitted.

>ACH soon What is your approach to bank account verification? Plaid/Yodlee, a more traditional "deposit x money, ask for verification", or both?

We use Cliq.com for ACH for about 3 years now moving lots of transactions. Amounts are from hundred to low single-digit thousands ( We mostly do outbound so no verifications are done

Interesting. Haven't heard of them but I'll check them out. Thanks!

Re: Ask HN: How do you process payments?

#137

Post by seibelj »

kf wrote: post #79
seibelj wrote: post #70

Earlier quoted context omitted.

Ping me sometime for coffee if you are in Boston, I am a real person. Stay safe out there

Cheers. I'm in the Bay Area and don't make it east too often (Love Burn Miami is happening though!), happy to meet for coffee in SF/Oakland next time you come out these ways. Frankly, I've been in the legal drug space running www.getkratom.com for 13 years and things are fine because the plant actually is so profoundly safe. Orrin Hatch plus lots of veterans of the US armed forces calling their representatives is wha…

I have been in the crypto space for several years now, I like living a bit on the edge myself :)

I’ll message you if I come to SF, I don’t travel as much as I used to, too many responsibilities at home now a days. Glad your business is safe!

Tip - most of the major traders I know are incorporated offshore now, just makes things easier.

Re: Ask HN: How do you process payments?

#138

Post by mqzkehfbazkebf »

wildduck wrote: post #110
rwieruch wrote: post #104

Stripe whenever it's possible. However, without PayPal one is missing a bug chunk of people who cannot pay with credit card. Hence, I offer both. Since I implemented both (again) over the last month, here a list of my resources: - Stripe Elements [0] + Stripe Webhook [1] - Stripe Checkout [2] + Stripe Webhook [1] - PayPal Smart Payment Buttons [3] And one repository: - basic Stripe Checkout with Webhook in React + Ex…

>Personally I preferred Stripe Checkout over Elements, because they take care about the look and feel. Stripe Checkout force you to gave client email to stripe. With Elements you can just use stripe for card processing (with zipcode of course).

Note that giving the client's email is meaningful with Stripe Checkout since it takes care of sending the client's an email about failing payments (for instance with recurring payments when your get a new card and the old one is obsolete).

Re: Ask HN: How do you process payments?

#139

Post by mqzkehfbazkebf »

I implemented backends for various payment services in my last job, and we had a lot of maintenance going around payments, mostly for failing to properly synchronize state between local and remote payment-related entities, but we also had race conditions and timeout-related idempotency problems that were more complex to debug and fix.

Granted we had a lot of micro-transactions as well as grouped transactions (around 200 on average, one failing transaction blocking the process for the whole batch).

But it was extremely time consuming to operate daily maintenance tasks:

- it was complex and sensitive enough that only few people were able to do it.

- we had enough problems to devote one man full-time to maintenance tasks.

Is this what people who handle ten of thousands of transactions per day all experience ? Share your story please.

Re: Ask HN: How do you process payments?

#140

Post by 1stcity3rdcoast »

ss3000 wrote: post #131
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…

Chargebee looks really promising but the pricing of minimum $250 per month feels way too steep for bootstrapped businesses that are just getting started, and a billing system feels like something I'd want to decide on at the beginning and have it scale with my business rather than starting with something basic and then have to refactor to something else later once the business starts gaining steam. Anyone have recomm…

They have a free tier up to $50k in revenue that I’ve used successfully. Hosted checkout, strong API, etc.
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