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Don't Use Stripe

news.ycombinator.com

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Re: Don't Use Stripe

#41

Post by _xnmw »

keerthiko wrote: post #38
matrix_overload wrote: post #33

Not defending Stripe here, but DO NOT HAVE A SINGLE POINT OF FAILURE! Have 2-3 payment processors hooked to a common abstraction layer, split transactions between them. If one fails, switch to others while you try to sort it out. Unfortunately, "computer says no" has become the harsh reality when dealing with any kind of corporate entities, so you need to be ready. It sucks, but that's the world we live in.

doesn't your common abstraction layer become your single point of failure in this situation? The only robust economical way to do that is too use a third party multiplatform abstraction service, especially given the complexity of maintaining functional billing across multiple payment processors, you're kinda screwed if you try to implement this in house for a small business (either losing revenue to bugs or losing mo…

Not if it's an open source self-hosted abstraction layer, or built directly into the framework, like Laravel Cashier or Lago Billing.

Re: Don't Use Stripe

#42

Post by yellow_lead »

matrix_overload wrote: post #33

Not defending Stripe here, but DO NOT HAVE A SINGLE POINT OF FAILURE! Have 2-3 payment processors hooked to a common abstraction layer, split transactions between them. If one fails, switch to others while you try to sort it out. Unfortunately, "computer says no" has become the harsh reality when dealing with any kind of corporate entities, so you need to be ready. It sucks, but that's the world we live in.

It's expensive to build 2-3 integrations for every service you rely on though. And losing 1/3 of your money can still be detrimental to your business.

Re: Don't Use Stripe

#43

Post by IndySun »

You're rightly miffed at faceless tech, though I sincerely believe the issue will get sorted out, and then you leave Stripe. Good luck.

You're right about the phone number "...Note: We do not have an inbound support phone number at the moment. Request a phone call to connect with Stripe Support by phone..."

In case you missed it, a callback can be requested.

https://support.stripe.com/questions/contact-stripe-support

https://stripe.com/docs/disputes/responding

Re: Don't Use Stripe

#44

Post by amelius »

keerthiko wrote: post #38
matrix_overload wrote: post #33

Not defending Stripe here, but DO NOT HAVE A SINGLE POINT OF FAILURE! Have 2-3 payment processors hooked to a common abstraction layer, split transactions between them. If one fails, switch to others while you try to sort it out. Unfortunately, "computer says no" has become the harsh reality when dealing with any kind of corporate entities, so you need to be ready. It sucks, but that's the world we live in.

doesn't your common abstraction layer become your single point of failure in this situation? The only robust economical way to do that is too use a third party multiplatform abstraction service, especially given the complexity of maintaining functional billing across multiple payment processors, you're kinda screwed if you try to implement this in house for a small business (either losing revenue to bugs or losing mo…

Well, you can always fix your abstraction layer if it breaks. This is not true if you use a closed-source solution.

So, are there any open-source solutions available?

Re: Don't Use Stripe

#45

Post by Mikeb85 »

roguesupport wrote: post #14
rich_sasha wrote: post #6

Collect it all and go to court. I can't see how they have a chance. Document losses their incompetence caused you and request these too. IANAL ofc...

Yes, it's CLEAR you are not a lawyer. They consented when they signed up. Read the terms. They have NO liability.

The fact something is in a contract doesn't make it legal or enforceable.

Re: Don't Use Stripe

#46

Post by maxgashkov »

KingOfCoders wrote: post #22

A large company I was working for transfered all money out from Paypal every night. I would never leave money with Paypal or Stripe.

It's a typical setup, PayPal even have the automated daily bank withdrawal for merchants. What you probably fail to mention or notice that the company transferred the money once they clear the mandatory hold window.

Exact width of the window may be adjusted case by case and depends on the stuff you sell — e.g. if it's digital goods with immediate delivery it may be shorter, if it's physical goods it may be certain amount of days after delivery verified by tracking number. In my case I was working for a company that provided proxy auction participation support, PayPal forced 30d non-negotiable hold on all our transactions.

So, you may transfer it every night, but it's safe to assume that 25-100% of your monthly revenue going through PayPal is sitting there at all times.

Re: Don't Use Stripe

#47

Post by lizardactivist »

Don't use US American payment providers if you can avoid it.

It's a national sport over there to figure out new ways of getting people's money, whether it's peculiar made-up fees, or like in your case plain robbery under the ironical guise of crime prevention.

Re: Don't Use Stripe

#49

Post by kgeist »

matrix_overload wrote: post #33

Not defending Stripe here, but DO NOT HAVE A SINGLE POINT OF FAILURE! Have 2-3 payment processors hooked to a common abstraction layer, split transactions between them. If one fails, switch to others while you try to sort it out. Unfortunately, "computer says no" has become the harsh reality when dealing with any kind of corporate entities, so you need to be ready. It sucks, but that's the world we live in.

I agree with this. Last week out of a sudden we had an increase in rejected payments from Stripe so we simply switched to Verifone for which we already had an integration. The switch is manual however so we're currently automating it.
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