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Comment by lachyg | Hacker News Reader

(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.)

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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

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).

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...

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.

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