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Don't Use Stripe

news.ycombinator.com

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Re: Don't Use Stripe

#51

Post by BerislavLopac »

yellow_lead wrote: post #42
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.

Not necessarily: https://primer.io/

Re: Don't Use Stripe

#52

Post by AlfeG »

elliotec wrote: post #11

Obviously not easy - but how quickly do you think you can get on another payment processing platform? If you're desperate, is it possible to jump to Braintree or Square or Shopify or something in the immediate future?

Are there no real banks in USA provide API to process payments?

Re: Don't Use Stripe

#54

Post by mosselman »

BerislavLopac wrote: post #51
yellow_lead wrote: post #42

Earlier quoted context omitted.

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.

Not necessarily: https://primer.io/

Isn't primer then the single point of failure?

Re: Don't Use Stripe

#55

Post by nnurmanov »

linuxhansl wrote: post #23

Whatever the backstory of this particular incident is... It's clear that Stripe, Paypal, et al need to be regulated like a bank. Period. If it looks like duck...

All global corporations need to be regulated. I heard a number of cases, when people could not reach FB support, they just ignore everyone. Did you know? It took Stripe 10 years to do it and 7 years for Robinhood. What do you think it is? 24×7 phone and chat support!

Re: Don't Use Stripe

#57

Post by WesolyKubeczek »

dibt wrote: post #36
WesolyKubeczek wrote: post #20

> anyone who posts about this issue on reddit gets downvoted and teamed up against by established Reddit accounts, that I have to imagine are owned by Stripe. You seem to be underestimating the power of fanboyism. If someone is a fanboy for a company/technology/whatever, they will defend it vehemently without even being paid for it. > mainly talking about coding in PERL. It's a little sus. But this now makes me want…

It really depends on which subreddit you ask. I see plenty of support to people in these situations on r/entrepreneur and r/smallbusiness. https://old.reddit.com/r/Entrepreneur+smallbusiness/search?q...

Developers may be biased towards Stripe because their API is among the best, and likely best-documented. (I had run into issues with the docs before, but was able to get to actual humans to resolve them. Eventually. Their first line support is just as bad as is described in any dilbertesque horror stories about outsourced support drones, giving you canned responses and having comprehension problems all the time.)

Now my theory is that Stripe will be a tad more inclined to help developers who help them build their empire via integrations and platforms and such, while actual merchants are a dime a dozen (in their eyes). I also have a perception that they have become way more MBA-aggressive in the recent years.

Re: Don't Use Stripe

#58

Post by 15155 »

mosselman wrote: post #54
BerislavLopac wrote: post #51

Earlier quoted context omitted.

Not necessarily: https://primer.io/

Isn't primer then the single point of failure?

I know nothing about the product, but I would be surprised if some federation service had the same financial liabilities (just offering software) as a payments processing company underwriting transactions.

Re: Don't Use Stripe

#59

Post by 15155 »

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…

The abstraction layer has no vested interest in shutting you down for reasons related to your transaction flow, fraud, etc.

Re: Don't Use Stripe

#60

Post by 6510 »

qqtt wrote: post #7

You can find similar stories about literally all online payment processors, including Paypal, Stripe, & all the "legacy" ones too (like First Data). Is it possible this isn't some nefarious conspiracy to steal money, but rather a reality of dealing with payments online given the regulatory environment it operates in? Also this is the biggest season for sales and tech companies in general are dealing with navigating a…

Not sure what you mean with "You can find"? I'm not the one making the claims?

> reality of dealing with payments online given the regulatory environment it operates in?

In my book not having a phone number and not attempting to answer and resolve the issue isn't "dealing with it". That would be not dealing with something.

I was curious and looked at some.

2C2P 02-026-3000

Adyen - no phone

Alipay +65 68307260

Amazon Pay - no phone

Apple Pay - no phone

Atos +33 1 73 26 00 00

Authorize.Net 1-888-323-4289

BHIM 1800-120-1740

BitPay 1-404-907-2055

bKash 16247

BPAY +61 130 036 8098

https://pastebin.com/Kmb6Ju1K

I couldn't think of an automated way of obtaining the numbers. Maybe someone else (you lol) has some idea or is willing to do a few lines of data entry.

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