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Stripe refunds: fees from the original charge are not returned

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Re: Stripe refunds: fees from the original charge are not returned

#171

Post by mcpeepants »

hawkice wrote: post #138
btown wrote: post #40

There's a vast payments ecosystem beyond Stripe that lets you avoid this. With companies like Spreedly to provide almost-Stripe-quality APIs and PCI-compliant card vaulting at only a flat cost, and a massive amount of "merchant account providers" a quick Google away that can hook into Authorize.net and then into Spreedly, you can end up at 1.75% or less depending on your industry, and the flexibility to dynamically r…

Wow, Stripe is the best developer experience? When I integrated a few months ago their documentation was so confusing I ended up giving up and not using it at all, relying on using a library for laborious guess and check, and watching the JSON responses. I suspect my product can still be purchased for free if you use that EU security feature because nothing could help me figure out when I need to use it or how to do…

I thought the Payment Intents and associated information about SCA had a learning curve, but was well documented. I think the aspect you're missing is that you don't need to decide, necessarily, when to use Payment Intents. You use only that API, and if there's an additional step required on the user's end, you'll get a different "state" in the response https://stripe.com/docs/payments/intents

Re: Stripe refunds: fees from the original charge are not returned

#172

Post by slenk »

ValentineC wrote: post #63
Meekro wrote: post #32

Earlier quoted context omitted.

I'm a long-time Stripe user who processes ~$40k per month, and I think you're being too harsh. From a business owner's perspective, PayPal is the kind of company that would shut down your account and steal the balance for 6 months if their shitty algorithm detects anything "suspicious." Your attempts to contact them can be ignored or given generic responses that tell you nothing. PayPal just doesn't care, and it show…

> From a business owner's perspective, PayPal is the kind of company that would shut down your account and steal the balance for 6 months if their shitty algorithm detects anything "suspicious." Your attempts to contact them can be ignored or given generic responses that tell you nothing. Heh, PayPal just this month asked me to provide charity information for my personal account, and subsequently limited my receiving…

What do you mean by charity information? What charities he likes to give to? I have never heard that phrase before.

Re: Stripe refunds: fees from the original charge are not returned

#173

Post by on_and_off »

mchusma wrote: post #33

Note: this is different than Braintree and Amazon payments, which either refund in full or simply charge only the $0.30 fee. Stripe is now at or near the most expensive here relative to the competition. The idea that they have been doing customers a favor is not accurate. I have used stripe for years, but they are a company that has continued to make things worse with every update, versus AWS which has my trust they…

>I hope stripe changes it's ways here, but they have been a large disappointment over the last 4 years or so after a solid start.

Sadly the same experience here.

Getting them to fix the many many basic issues of their client libraries is hell, testing is no better and library updates often break your testing scenarios.

Re: Stripe refunds: fees from the original charge are not returned

#174

Post by ativzzz »

bradgessler wrote: post #155
btmorex wrote: post #146

Earlier quoted context omitted.

My personal experience is that all subscription management platforms fall over when you're doing enterprise SaaS. At a certain level (because literally your most valuable customers insist), you have to deal with credit cards, ACH, wire transfers, and checks. On top of that: custom plans, all sorts of weird line items and discounts, prepays, etc. And then you usually want reporting in multiple different formats (e.g.…

I’m curious if any other HNers know of solutions out there that solve these problems.

In house solutions. Once a company becomes large enough where paying a company like Stripe's fees becomes larger than hiring enough people to create and maintain an internal billing system, then you do it yourself.

This is something that companies that are near public company size do since the amount of work required to meet payment regulations alone, not to mention all of the infrastructure to support things like subscriptions is staggering.

This is why there aren't many solutions to this problem. It's a very difficult problem.

Re: Stripe refunds: fees from the original charge are not returned

#175

Post by adrr »

bradgessler wrote: post #155
btmorex wrote: post #146

Earlier quoted context omitted.

My personal experience is that all subscription management platforms fall over when you're doing enterprise SaaS. At a certain level (because literally your most valuable customers insist), you have to deal with credit cards, ACH, wire transfers, and checks. On top of that: custom plans, all sorts of weird line items and discounts, prepays, etc. And then you usually want reporting in multiple different formats (e.g.…

I’m curious if any other HNers know of solutions out there that solve these problems.

Zuora can do complex billing. You still need to provide a processor though.

Re: Stripe refunds: fees from the original charge are not returned

#176

Post by jherdman »

PerfectElement wrote: post #166

We are doing 200k+ in MRR and looking to move from Stripe because the cost is starting to hurt, and this change feels unfair. Our use-case is pretty simple (capture card and manage subscriptions) and we don't need all the features they have built in the last 5 years or are planing to build. We are looking into Spreedly. Does anyone have other suggestions of Stripe alternatives that are not so expensive?

I'm busy writing a Spreedly integration for my employer. It's not in production yet, but I can tell you that their iFrame API is a bit clumbsy and gives you less out of the box than Stripe Elements.

Re: Stripe refunds: fees from the original charge are not returned

#178

Post by derrick_jensen »

polemic wrote: post #47
mchusma wrote: post #33

Note: this is different than Braintree and Amazon payments, which either refund in full or simply charge only the $0.30 fee. Stripe is now at or near the most expensive here relative to the competition. The idea that they have been doing customers a favor is not accurate. I have used stripe for years, but they are a company that has continued to make things worse with every update, versus AWS which has my trust they…

> ..don't test production checkout flows.. That's good advice. Payment providers have test gateways and cards for you to test your code against. While it might be a minor convenience for you to have 'fake' cards in their production system, the only thing they have to gain is a potentially serious fraud loophole (at best), or an expensive footgun for you. Don't "test" checkout flows in production unless you're using r…

One feature I would like to see is the option to create multiple test environments. I have one dedicated for the CICD, and ideally each person testing locally would have their own API key they can use however they wish.

Re: Stripe refunds: fees from the original charge are not returned

#179

Post by [deleted] »

btmorex wrote: post #146
austinkhale wrote: post #93

Earlier quoted context omitted.

We recently made the decision as a SaaS company to switch from a subscription management platform I won't name to Stripe. The process has not been without a couple bumps along the way, but frankly working with Stripe is similar to that scene from Lord of the Rings: The Two Towers when Gandalf tells Theoden to "Breathe the free air again, my friend." Please continue to do what you're doing in this space. Payments are…

My personal experience is that all subscription management platforms fall over when you're doing enterprise SaaS. At a certain level (because literally your most valuable customers insist), you have to deal with credit cards, ACH, wire transfers, and checks. On top of that: custom plans, all sorts of weird line items and discounts, prepays, etc. And then you usually want reporting in multiple different formats (e.g.…

[deleted]

Re: Stripe refunds: fees from the original charge are not returned

#180

Post by NicoJuicy »

hawkice wrote: post #164
NicoJuicy wrote: post #151

Earlier quoted context omitted.

Euh, you are talking about EU security features? So, if(IsInEurope(Customer.Country) || IpAnalyzer.IsInEurope(visitor.Ip)) { //Enable something } Should do it. But fallback method should be implemented, took me 3 minutes of reading documentation + googling. Between all those tax regulation differences, I think this one is mostly straightforward for handling global payments. Ps. Don't forget to encrypt your actual dat…

Nah there's some credit card security thing in the EU they talk about in the Stripe API. No comprehension of what it is, but I'm not talking about GDPR or anything, just weird credit cards.

GDPR, I think, is the root cause for the more complex PSD2 flow.

https://www.insideprivacy.com/financial-institutions/overlap...

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