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Stripe Payment Links

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Re: Stripe Payment Links

#121

Post by dakial1 »

We used this link model in Brazil (custom made) for a client that has a B2B2C platform where vendors (shop owners for a specific industry) use the client's platform as an endless aisle option. We had a challenge for the payment side because:

- the payment needed to be to our client and not the vendor (to avoid double taxation);

- integrating to the POS machines of more than 100K vendors was unfeasible;

- The client wouldn't trust typing credit card info into the vendors computer/tablet/mobile.

So the solution was to use a link that could be send (whatsapp, sms) or read (QR Code), that would take the client to a checkout and payment secure site to finish the transaction.

With mobile wallets penetration increasing we can make more sophisticated solutions where the link would connect directly to the wallet. But for now we are working with link>payment.

Re: Stripe Payment Links

#122

Post by farazbabar »

lostcolony wrote: post #103
farazbabar wrote: post #88

I believe I patented this in 2016: https://patents.justia.com/patent/10664883

And you're posting it here because...why? If you think there's a legal issue, this, obviously, isn't the forum. If you want to tell people "I had this idea first!" this also isn't the forum; you're either wrong, or are pointing to the wrong thing (patents aren't particular readable or understandable); show us the thing you made.

Because I am excited that this idea got turned into a viable product. And what is wrong with sharing the excitement with my fellow nerds including the fact that I had this idea first? It is all about execution and kudos to stripe for taking this idea forward and turning into a viable product.

Re: Stripe Payment Links

#123

Post by rspeele »

farazbabar wrote: post #88

I believe I patented this in 2016: https://patents.justia.com/patent/10664883

After reading the "Summary" of that patent twice, I believe you patented everything that ever is, has been, or will be done on a computer in 2016.

Re: Stripe Payment Links

#125

Post by farazbabar »

rspeele wrote: post #123
farazbabar wrote: post #88

I believe I patented this in 2016: https://patents.justia.com/patent/10664883

After reading the "Summary" of that patent twice, I believe you patented everything that ever is, has been, or will be done on a computer in 2016.

Oh yeah, that is what you get when you submit your diagrams and invention specifications and API to a team of lawyers :)

If you search the word click, it takes you to meat and potatoes but very well said. I was quite furious with the lawyers at the time but they had to navigate existing prior art and ability to defend this in future.

Re: Stripe Payment Links

#126

Post by leesalminen »

rexreed wrote: post #120
pc wrote: post #23

(Stripe cofounder.) While there are lots of antecedents (this is, after all, just a checkout page with a URL), and even though this was substantially inspired by the growth of the no-code ecosystem[0], the thing that's interesting to me about the payment link "space" is that it's a use case that really took off in other markets first -- Nigeria, India, Philippines, etc. I suspect that staying abreast of important new…

Hey pc! Is there a way to tie a digital delivery to the payment? Let's say you're selling an e-Book or an audio file or the latest collectable nonfungible (jk). Is there a way to have Stripe send a digital file or product upon successful payment completion without requiring a website backend to do that?

You can use Stripe Webhooks + a "no-code" solution like Zapier to make that happen in ~15 minutes.

Re: Stripe Payment Links

#127

Post by vmception »

mrtksn wrote: post #94
vmception wrote: post #76

Earlier quoted context omitted.

The key thing to understand is the difference between the actual law, individual company's implementation of the actual law, individual company's policies that have nothing to do with the law and are just a shitty inconvenient business practice, and individual company's representatives that don't know the difference between any of that and just say any inconvenience or transaction limit is because of "anti money laun…

> Compliance for a payment processor has nothing to do with detecting fraud and is pretty much just the OFAC list. I suspect that it's not that simple. I did some work for people in compliance, I have some idea on the work they do and it's not simply department of people simply checking against the OFAC list. I'm a bit familiar with banks and not with money processors though. I have seen the bank side of the relation…

on the legal side with the banking regulators that's all it is.

the rest is to simplify the likelihood of being part of a department of justice criminal inquiry - not because they did anything wrong, only to prove that they had no part in doing it or having to assist prosecutors and defense. if they just ban customer transactions that don't match their risk matrix, then there isn't data to provide to a prosecutor.

outside of that is the relationship with other banks. basically the underlying financial institutions can arbitrarily cut their peers off or be cut off. like you pointed out.

I'm still drawing a distinction between voluntary "I think I know what I'm doing" compliance and the mandatory compliance that is pretty clear cut.

The result for customers is pretty crappy. None of this anti-money laundering dragnet stuff works and we're the ones burdened with arbitrarily low dollar amount stigmas and limits ($2,000, $10,000) and all the liability. While we occasionally hear about a $2bn decade long money laundering system from a single financial institution dealing drugs with the literal cartel. All to prevent terrorism, which isn't even that expensive. 200,000 9/11's, congratulations everyone. The reality, since apparently nobody actually wants to blow up buildings in the US, is the financial institutions have been tasked with data mining for the state.

Re: Stripe Payment Links

#128

Post by jeiting »

cyral wrote: post #77
pc wrote: post #23

(Stripe cofounder.) While there are lots of antecedents (this is, after all, just a checkout page with a URL), and even though this was substantially inspired by the growth of the no-code ecosystem[0], the thing that's interesting to me about the payment link "space" is that it's a use case that really took off in other markets first -- Nigeria, India, Philippines, etc. I suspect that staying abreast of important new…

Not related to payment links... but I would love to see Stripe take on handling in app purchases. (basically a webhook and management layer over the terrible native APIs) Companies like RevenueCat are halfway there but have nowhere as nice of an API or dashboard as Stripe. I run a cross platform (web/ios/android) app and would love to do payments all under one platform (Stripe, that is). Apple and Google subscription…

Would love to hear how we can improve the API to make you not want Stripe to do it better. :)

Obviously, Stripe is the gold standard and I think we have a hard time, but we're hoping to improve the developer experience even more this year.

Re: Stripe Payment Links

#129

Post by danielskogly »

pc wrote: post #23

(Stripe cofounder.) While there are lots of antecedents (this is, after all, just a checkout page with a URL), and even though this was substantially inspired by the growth of the no-code ecosystem[0], the thing that's interesting to me about the payment link "space" is that it's a use case that really took off in other markets first -- Nigeria, India, Philippines, etc. I suspect that staying abreast of important new…

Congratulations on the launch! This looks super nice, and if I understand it correctly, it's _kinda_ like creating a Checkout Session and redirecting the user, but more direct.

About a year ago I was toying with the idea of creating a SaaS/product that worked completely without JS, and the only hurdle was that there currently is no way to simply answer redirect a client directly to the Checkout page after creating a Checkout Session in the backend. Currently, you have to create the Checkout Session, send this to the client, load StripeJS, and _then_ you can redirect to the Checkout page.

Seeing that the Payment Link is basically the same thing, only that instead of a backend, the seller can create the Payment Link ("Checkout Session") in a dashboard, it doesn't really seem like the StripeJS-step I mentioned above is strictly necessary.

I hope you'll add a way to get the URL when creating a Checkout Session in the backend, so that the dream of a fully-functioning noscript SaaS might one day come true :)

Re: Stripe Payment Links

#130

Post by rexreed »

leesalminen wrote: post #126
rexreed wrote: post #120

Earlier quoted context omitted.

Hey pc! Is there a way to tie a digital delivery to the payment? Let's say you're selling an e-Book or an audio file or the latest collectable nonfungible (jk). Is there a way to have Stripe send a digital file or product upon successful payment completion without requiring a website backend to do that?

You can use Stripe Webhooks + a "no-code" solution like Zapier to make that happen in ~15 minutes.

But if you have a few hundred products then this doesn't become so easy. And where exactly does Zapier deliver that file from in a secure way?

If I'm going to go through all that trouble, I might as well just use a Wordpress electronic delivery solution or Woocommerce, in which case, what's the point of this website-less payment solution?

If I'm gonna go website-less, then it needs to do what the website would otherwise do.

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