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New version of Stripe Checkout

stripe.com

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Re: New version of Stripe Checkout

#81

Post by CPLX »

judge2020 wrote: post #62
foobarbazetc wrote: post #46

Earlier quoted context omitted.

We thought this and killed our PayPal integration (went Stripe only) and lost double digits in sales (and received constant emails asking for PayPal). Unfortunately people want PayPal for whatever reason. Everything about PayPal from the merchant side sucks (bad API, bad recurring billing features, slow, no refund of fees for refunds from May, 6 months for someone to do a chargeback!, etc etc)

Paypal is just another "you pay for convenience" service. Not having to type in your card details for every site means you can impulse buy any time you want. Another draw of Paypal I remember 5-10 years ago was being able to use money obtained on consumer-to-consumer markets. If you were to use any other p2p service (be it venmo, cashapp, etc) you would be required to have a bank and your money almost certainly will…

> Not having to type in your card details

And your shipping address. That's the killer app for me.

One email/password combo is all it takes to get whatever random thing I'm looking at into my office. It's a real convenience.

Re: New version of Stripe Checkout

#82

Post by rbobby »

ianhawes wrote: post #7

This is a beautiful user interface, but in my business, ~40% of our payments are through PayPal. To integrate Stripe Checkout, we would have to ask the customer whether they're paying with a card or using PayPal prior to displaying the Stripe UI. While that is not the worst option, our current UX is similar to Shopify, where there is an accordion component with multiple options: PayPal, Credit Card, Apple Pay, etc..…

> ~40% of our payments are through PayPal

There are far to many horror stories about PayPal for me to trust them as a business partner.

Re: New version of Stripe Checkout

#83

Post by w4 »

After skimming the docs, I'm not sure why you'd want to choose Checkout over Elements in a lot of situations, other than getting some great design work for free with Checkout. The dev time to implement Elements doesn't look that different from the new Checkout, and Elements doesn't require you to redirect your customers away from your site or force a multi-page checkout experience, which is generally associated with lower conversion rates. This also feels really ecommerce oriented, and less friendly to SaaS MVPs, etc.

The old version of Checkout was so dead simple to implement that it had a clear value prop over Elements, but at first blush this seems like a tossup. Braintree's js embed also came to mind after seeing this, since it's a bit less refined than the old version of Checkout, but it's simpler than this solution, and keeps users on your site.

EDIT: After looking closer at the docs, it does indeed look like you'd want to use Elements for SaaS or similar digital products. Unless I'm misunderstanding something, after the user completes their payment on Checkout, Stripe sends you the payment via a webhook, or you have to poll for the transaction. That's a big step back from the old version of Checkout, where you would send a token through to your server from the checkout form, and find out immediately if the payment went through or not so that you could proceed accordingly. This looks nice for ecommerce sites where delayed fulfillment is expected, but not for user subscriptions or account upgrades.

Re: New version of Stripe Checkout

#84

Post by kevin_thibedeau »

dtech wrote: post #66
foobarbazetc wrote: post #46

Earlier quoted context omitted.

We thought this and killed our PayPal integration (went Stripe only) and lost double digits in sales (and received constant emails asking for PayPal). Unfortunately people want PayPal for whatever reason. Everything about PayPal from the merchant side sucks (bad API, bad recurring billing features, slow, no refund of fees for refunds from May, 6 months for someone to do a chargeback!, etc etc)

I'm an European and always pick Paypal over credit card. Credit cards aren't really a thing in Europe. I also much prefer Paypal's direct debit options, where the transaction is immediately visible on my bank account instead of coming in aggregate a month later.

Euro PayPal is a real bank and can't get away with the shenanigans that US PayPal does.

Re: New version of Stripe Checkout

#87

Post by tracker1 »

solarkraft wrote: post #36
quotha wrote: post #27

Earlier quoted context omitted.

I think it's just a matter of time before people switch from using PayPal.

PayPal might be neither very cheap nor very trustworthy, but it sure is easy and quick.

I wind up using about once or twice a year when I pay for a foreign hosted server... My CC usually declines the charge and makes it a mess.. paypal to the same CC just works.

Re: New version of Stripe Checkout

#89

Post by rkho »

michaelmrose wrote: post #76
AdmiralAsshat wrote: post #67

Earlier quoted context omitted.

The advantage of PayPal is that I can make one-time purchase at random vendor whom I have no prior experience with, without having to trust them to protect my Credit Card info.

Isn't this the same benefit you get from stripe? Further being famously bad at developing software anyone would want to use doesn't necessarily mean that someone is incompetent in all aspects but it would decrease my trust in paypal just a little.

While it's similar, I think there's hesitation since the customer might not know that it's similar in this regard.

Plus the act of re-entering the credit card number and/or not being able to use a recurring PayPal balance to pay off something might be a non-starter for some.

Re: New version of Stripe Checkout

#90

Post by brlewis »

PatrolX wrote: post #88

The embeddable snippets don't work in an iframe, pops out and exposes the stripe domain which totally sucks.

I bet the frame busting is deliberate. As a consumer I prefer seeing the Stripe padlock on the current page...a reason this commenter gives for preferring paypal: https://news.ycombinator.com/item?id=19741689
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