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EBay to Ditch PayPal for Dutch Payment Processor Adyen

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Re: EBay to Ditch PayPal for Dutch Payment Processor Adyen

#181

Post by zbentley »

arca_vorago wrote: post #173
cortesoft wrote: post #35

Earlier quoted context omitted.

Right, but the poster is saying they don't want to run a server AT ALL.

Then what are they running their website on? This is a perfect example of the infectious nature of the word cloud, people say the word cloud as if there's no server still running it! Oh noes, I have to run php code stripe has done all the work on and provided to me! Scary!

There's a big difference between running a server that does basically glorified inventory tracking, and running a server that hosts (even just a wrapper around) payment infrastructure.

If my inventory service breaks I might have some pissed-off customers or have to re-ship some items, the odds of getting in bigger trouble than that are low. If my payment infrastructure goes down or gets compromised, the odds of lawsuits or federal/financial-org penalties are way higher.

So sure, you still probably have to have a "server" somewhere (you could probably make a fully static site for a merchant using third-party payment links, javascript, and mailto links or something--think "email as database"--but I suspect this would be neither featureful, secure, nor reliable), but the difference in what you need to maintain/serve is huge.

Re: EBay to Ditch PayPal for Dutch Payment Processor Adyen

#182

Post by ddsaso »

toomuchtodo wrote: post #6
toptal wrote: post #5

Earlier quoted context omitted.

Adyen will be better if you have more consumer cards vs. business cards being charged. Nearly 100% chance of this, otherwise Stripe may win.

Is there middleware that can route transactions based on criteria to various payment processors?

I work at Spreedly and this is essentially what we do. Store credit cards with us (we're PCI Level 1 Compliant) then decide which payment processor you want to send cards to for transactions. We don't provide automatic routing so you'd need to decide which processor to use on your end but you could easily charge the same card against two different payment gateways if you wanted to.

Re: EBay to Ditch PayPal for Dutch Payment Processor Adyen

#183

Post by MaxBarraclough »

gregknicholson wrote: post #167
MaxBarraclough wrote: post #144

Earlier quoted context omitted.

> I wish there was a fundamentally different way of handling payments Seconded. At the risk of simply rephrasing everything you just said: It's a pity the banks and credit card companies just refuse to innovate. When I buy something from an online vendor, they should never get my full card details. PayPal ameliorates things (you can generally trust PayPal), but really there should be no need for PayPal. The banks/cre…

Card-readers are “trust your bank with information security” black boxes. If their online banking password policies are anything to go by — Halifax and especially Nationwide — then very definitely no thankyou. Nationwide asks you to set three pieces of memorable information. You can then log in with any 1 of those 3, at your option. https://onlinebanking.nationwide.co.uk/AccessManagement/Logi... This seems obviously…

> Card-readers are “trust your bank with information security” black boxes.

Well of course I trust my bank. No escaping that. The point is not to have to trust the vendor.

> online banking

I wasn't suggesting a payment system based on signing-in to online banking.

Your complaints about online banking security may be valid, but aren't the same issue.

Re: EBay to Ditch PayPal for Dutch Payment Processor Adyen

#184

Post by jeremiep »

clintonb wrote: post #58
analog31 wrote: post #13

Here's what puzzles me. I have looked into Stripe, and just browsed the Adyen webpage. Both of those services seem to require you to maintain your own "active" server that can run server side code. PayPal seems to be unique in being able to take payments from a passive web page, because the customer conducts their transaction at PP's website. This is why I continue to use PP for my tiny little business (without eBay)…

The reason for processing on your own server is so you own the entire checkout experience. If you redirect he user to another site for payment, you run the risk of losing track of that user. Also, the third-party’s branding may clash with your own.

Since when does checkout needs to be an "experience"?

I'd much rather trust Paypal than a company worried about losing track of me or that I might see a different branding.

That different branding is the very reason I'm doing the transaction in the first place: I trust Paypal way more than any company's self-hosted checkout.

Re: EBay to Ditch PayPal for Dutch Payment Processor Adyen

#185

Post by lsaferite »

zbentley wrote: post #181
arca_vorago wrote: post #173

Earlier quoted context omitted.

Then what are they running their website on? This is a perfect example of the infectious nature of the word cloud, people say the word cloud as if there's no server still running it! Oh noes, I have to run php code stripe has done all the work on and provided to me! Scary!

There's a big difference between running a server that does basically glorified inventory tracking, and running a server that hosts (even just a wrapper around) payment infrastructure. If my inventory service breaks I might have some pissed-off customers or have to re-ship some items, the odds of getting in bigger trouble than that are low. If my payment infrastructure goes down or gets compromised, the odds of lawsu…

Working with Stripe and PayPal are essentially the same if you use best practices. Stripe can do the payment page and redirect if needed and can also capture paying info from a static page that is submitted via JS in the background. In the end you'd get a simple token that's just a reference to the payment details in Stripe (just like PP). If you integrate with the Stripe payment page then they will even remember you across sites (again, just like PP) and you won't have to input payment details.

Re: EBay to Ditch PayPal for Dutch Payment Processor Adyen

#186

Post by justherefortart »

buildbuildbuild wrote: post #40

Potentially a great move for eBay to reign in processing fees and to consolidate the dispute resolution process within their own platform. A large pain point for many eBay users has been Paypal's opaque dispute process. (I admit to bias: I lost ~$5,000 in Paypal balance while in college due to Paypal siding with a dishonest international buyer) For those of you contemplating Adyen vs. Stripe: Adyen is much more "bare…

PayPal is the whole reason I stopped selling on eBay 15 or so years ago.

I use PayPal as a buyer, I would NEVER use them as a seller.

Re: EBay to Ditch PayPal for Dutch Payment Processor Adyen

#187

Post by lsaferite »

phsource wrote: post #121
superplussed wrote: post #117

Earlier quoted context omitted.

Are you saying that to process recurring fees on Stripe (as so many startups do) that you need this reserve?

Definitely not, from experience. I think the opening poster means that Adyen needs such a large reserve, since I definitely know subscriptions-based startups that don't have any reserve with Stripe

Adyen is crazy with the reserves. It's the sole reason we went with Stripe over Adyen.

Re: EBay to Ditch PayPal for Dutch Payment Processor Adyen

#188

Post by bspn »

clintonb wrote: post #58
analog31 wrote: post #13

Here's what puzzles me. I have looked into Stripe, and just browsed the Adyen webpage. Both of those services seem to require you to maintain your own "active" server that can run server side code. PayPal seems to be unique in being able to take payments from a passive web page, because the customer conducts their transaction at PP's website. This is why I continue to use PP for my tiny little business (without eBay)…

The reason for processing on your own server is so you own the entire checkout experience. If you redirect he user to another site for payment, you run the risk of losing track of that user. Also, the third-party’s branding may clash with your own.

It also puts you squarely in PCI scope which is a massive burden. I believe many of the modern payment processors offer embedded iframe solutions these days where they handle the sensitive bits (card and CVV#) but allow you to style the payment form however you like.

Re: EBay to Ditch PayPal for Dutch Payment Processor Adyen

#189

Post by LesZedCB »

bspn wrote: post #188
clintonb wrote: post #58

Earlier quoted context omitted.

The reason for processing on your own server is so you own the entire checkout experience. If you redirect he user to another site for payment, you run the risk of losing track of that user. Also, the third-party’s branding may clash with your own.

It also puts you squarely in PCI scope which is a massive burden. I believe many of the modern payment processors offer embedded iframe solutions these days where they handle the sensitive bits (card and CVV#) but allow you to style the payment form however you like.

to an extent yes. There is another lever, PA-DSS compliance which is less stringent than full PCI-DSS compliance because you aren't actually storing card data on your servers, they are just passing through, or pages that collect them are being rendered by that server.

Re: EBay to Ditch PayPal for Dutch Payment Processor Adyen

#190

Post by arca_vorago »

Fogest wrote: post #179
arca_vorago wrote: post #173

Earlier quoted context omitted.

Then what are they running their website on? This is a perfect example of the infectious nature of the word cloud, people say the word cloud as if there's no server still running it! Oh noes, I have to run php code stripe has done all the work on and provided to me! Scary!

Couldn't you run a more static based site if you don't have to run some PHP code though?

I was just using php as an example. See stripes documentation for more info:

https://stripe.com/docs/stripe-js

https://stripe.com/docs/charges

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