We use Stripe, Braintree (just for paypal billing agreements) and Mollie for certain EU payments. Mollie we only do annual payments since they are mostly non recurring payment options.
Ask HN: How do you process payments?
141–150 of 167 posts
Re: Ask HN: How do you process payments?
#142Oh, what about sales tax for SAAS in USA? Currently driving me mad.
I use taxcloud, and would be hesitant to recommend then. In the past they have made some mistakes (such as missing a filling) that resulted in a lot of headache to clear up. They have very poor customer service. It's been ok the last couple years, and I have not switched because it would be very painful.
Re: Ask HN: How do you process payments?
#143Stripe 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…
Could you elaborate a bit for which reasons you prefer Stripe over PayPal and why it makes sense to offer both? I am currently trying to decide on a payment service but having a hard time making a sensible decision. The way I understand it PayPal supports more countries and may thus be accessible to more customers. Fees between Stripe and PayPal seem to be identical for US transactions; for international transactions…
Keeping it short: Stripe's API is just a dream from a developer's perspective and I don't agree with many things PayPal as a company did in the past. However, as you mentioned, PayPal reaches a wider audience world wide than Stripe. Also even though people would be able to use Stripe from a customer perspective, for many there is still this familiarity with PayPal I guess.
Re: Ask HN: How do you process payments?
#144Earlier quoted context omitted.
Not op, but my 2 cents. Stripe's developer UX is godly, from api docs to the dashboard it's something all B2B companies that offer APIs should aspire to. Secondly, with stripe elements it can be styled into the website much nicer than PayPal buttons. PayPal does support more countries and still has some brand recognition with customers as "a safe way to pay online", but between the bad UX for both business and develo…
> Secondly, with stripe elements it can be styled into the website much nicer than PayPal buttons. Seriously, does anybody care about the style used on a website when making a payment? Also, as a user, I'd rather see a single consistent style so I have some confirmation about what bank I'm dealing with.
> Seriously, does anybody care about the style used on a website when making a payment?
Stakeholders tend to.
Style may have been a poor choice of wording, as I meant the workflow as well as aesthetics. Keeping the user on the site and having complete control of the checkout process can lead to better conversion rates and up-selling than throwing them to a payment provider and maybe getting them sent back.
> as a user, I'd rather see a single consistent style so I have some confirmation about what bank I'm dealing with
Which is one of the reasons I listed to include PayPal, as the logo is well recognised.
Re: Ask HN: How do you process payments?
#145Stripe 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…
I forgot about this one, but if you want to see a full integration of Stripe and PayPal with a React checkout form, head over here [0]. Working on this right now :)
[0] https://github.com/rwieruch/nextjs-firebase-authentication
Re: Ask HN: How do you process payments?
#146Earlier quoted context omitted.
> we had a client deplatformed by them because their bank had problems with the product. (In our case, specifically, adult toys.) What kind of bank would do that, and why? I don’t comprehend the logic that would drive such a decision.
Some specific product/service categories have higher rates of fraud and/or other problems, and it just does not worth it for them.
Good point.
It still makes zero sense for me why more fraud would happen specifically at adult toy stores compared to other categories.
I just don’t get how banks make their decisions. Mine declined my credit card when I tried to add it to Patreon. I called the bank and the rep told me that online subscriptions can be fraudulent and that a bank needed to protect its customers. I told her Patreon was certainly not a scam site. She replied that she’d never even heard of Patreon and that she wasn’t going to white-list Patreon for me and “jeopardize tens of thousands of other customers.”
I feel I’m never going to get behind banks.
Re: Ask HN: How do you process payments?
#147I own my own payment processing company and gateway, so I use that.
I do sometime recommend Stripe and Square to Clients but Stripe for most people is a no go in Canada because of the 7 day deposit delay.
Re: Ask HN: How do you process payments?
#148Stripe. 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.
I first went through their online support, but quickly followed up over twitter (which IIRC they handle support issues as well).
I felt satisfied with the level of effort I had to put in to resolve the issue.
Re: Ask HN: How do you process payments?
#149Stripe. 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?
Online second opinions for Eye Surgeons.
Re: Ask HN: How do you process payments?
#150Earlier quoted context omitted.
Not op, but my 2 cents. Stripe's developer UX is godly, from api docs to the dashboard it's something all B2B companies that offer APIs should aspire to. Secondly, with stripe elements it can be styled into the website much nicer than PayPal buttons. PayPal does support more countries and still has some brand recognition with customers as "a safe way to pay online", but between the bad UX for both business and develo…
> Secondly, with stripe elements it can be styled into the website much nicer than PayPal buttons. Seriously, does anybody care about the style used on a website when making a payment? Also, as a user, I'd rather see a single consistent style so I have some confirmation about what bank I'm dealing with.
Having a disjointed UI is a huge risk of dropping conversions. So yeah, it does matter.