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Comment by buildbuildbuild | Hacker News Reader

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 metal." Think more like a modern Authorize.net. Nobody comes close to Stripe's turnkey developer-friendliness.

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(I work at Stripe.)

Glad to hear on the developer friendliness! If there are ways we can continue to improve on that front, please shoot me a note: lachy@stripe.com

I'm curious though what you mean when you say Adyen is much more "bare metal" than Stripe. We don't typically talk too much publicly about our underlying infrastructure (our goal is to abstract away that [hopefully] unnecessary complexity), but we do strive to be as close to the bare metal as possible. (We're directly connected to all of the major card brands, and have "acquiring licenses" in numerous markets.)

I interpreted that as a positive nod towards Stripe. In other words, Adyen and Stripe provide equivalent functionality but Adyen requires more work to adopt.

I wasn't exactly sure which direction to read it :-) We often get questions around our underlying infrastructure and how we process payments (this is what I work on at Stripe!), so that bias is probably affecting my read...

Meant as a positive nod: Stripe is to Heroku as Adyen is to renting a dedicated server. With Stripe I don't have to worry about implementing a billion APIs or being PCI compliant unless I want to.

Basically, great work.

But for larger companies ready for deeper optimizations, especially on the pricing side, "bare metal" merchant services will always have their allure.

The failed payment alert functionality is a touch lacking for some SAAS scenarios.

The link in the alert email cannot be “parameterized”... it will only go to "the_saas_company.com". But I need the link to go to a per customer url, eg. "customercode.the_saas_company.com/billing". Heck basically anything that would allow my server to redirect the request to the "right" billing page (eg. the_saas_company.com/failedpayment/stripecustomernumber).

Stripe is one of the most intuitive developer facing products that we get to use! We've almost never experienced any sort of issue. To celebrate Stripe this week we made an animated gif about the developer experience of Stripe versus PayPal if you want a laugh: https://imgur.com/VpsnbZF

I say this as a loyal and very happy Stripe user: I'm not sure you can describe a bunch of JavaScript widgets as bare metal.

You don’t have to use all the JS widgets; you can integrate with forms more directly if you want.

as a buyer I never worry about purchases I make on ebay. I use paypal to send the money but other than that paypal is not in the picture. if I have a dispute with a seller ebay refunds me if I prove my case.

I was just recently refunded over five hundred dollars for a purchase made on ebay because the seller never had the item to sell. Now I had to wait until the last day of delivery passed and wait the "resolve with seller first" delay which is only three days I think. In the end ebay refunded me.

This is not to say ebay is perfect, they don't require sellers to provide tracking through ebay and they should. they should require it within three business days or allow a refund. In my case the fraudulent seller never provided tracking information even though I made three requests

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.

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