Ask HN: What do you use for payment processing?

7 points·aorshan··11 comments

I am looking for a way to process payments securely for a website I am thinking about building. I already plan on using paypal but I want to offer credit card payments too. Advice?

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https://stripe.com/

Paypal also takes credit card.

unless you are forecasting a revenue in ten of thousands, it's better to use Paypal as everything it's setup

Problem is with users who don't have a paypal account, when they are taken to paypal payment page- they see this big login box and small button under all that for 'other payment options.'

DO NOT USE PAYPAL -- worst mistake of your life. Work your ass off for an invite to Stripe, it'll be totally worth it.

I offer PayPal as an option but I hate doing so. PayPal are useless but some people still want it as an option.

Got an invite to stripe. Thanks guys.

Have you seen FastSpring?

I used to use Fastspring but your prices are simply too high. With Stripe I save more that half in fees.

I used to use FS but now I use Stripe and I save 50% or more in fees. Your fees are very high.

You obviously have to use what best suits you, but don't forget that with less expensive-appearing services you typically have to pay 3.5-4% in processing fees, but they end up costing you far more when you factor in software development costs, merchant fees, and especially the amount of time you will spend if using an existing basic service that appears to cost less.

You also have to factor in chargeback fees, processing for non-qualified transactions (i.e. corporate cards, rewards cards, int'l cards, Amex cards, all of which cost far more than the often quoted 2-2.5% "qualified" transactions.

Thanks.

I use Braintree.

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