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Comment by ocskills | Hacker News Reader

I'd take a serious look at Braintree for credit card processing http://www.braintreepaymentsolutions.com/. I'm not affiliated, we're a customer that uses them for processing. Reading stories like this, I'm glad we do.

When we signed up they gave us a heads-up on almost every one of these facts (i.e. warning us up front to authorize a minimum of a dollar or many banks would reject it). They called AMEX on our behalf to get the service hooked up so we didn't have to. They've also given us tons of technical advice, like how to improve accuracy on AVS checks and details on what some of the esoteric failure codes really mean.

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I recently used CyberSource for a project. I'm not the best programmer by any means but was able to get it up and running fairly quickly. (No affiliation with CyberSource)

Last time I looked they have a minimum bar of $250,000 of business a month, or they're not interested in you. Thus not an option for people starting out.

Not true.

We use Braintree and they're great. We're not doing $250k/mo yet but had no problems getting signed up with them back in May.

We also helped a partner company get setup with BT recently. They're doing < $50K a month IIRC.

Have not run into most of the problems mentioned in the OP.

And, dare I ask without sounding like a complete user, what would you use if you were only doing < $1000/month. Would a credit card processor even touch you or is it basically just paypal?

Paypal and Google Checkout are both good alternative options to look at. In some cases when you factor in all of the upstream credit card processing charges you'll even pay less.

This discussion is probably dead, but just in case:

Within the last year, I've been in the position of doing <$1k/month on a credit card processor, and it was actually a delightful experience. The company I originally worked with was bought/renamed or something and I haven't had to deal with them in quite a few months, but I can probably dig up a contact. Email me if you like.

IIRC they have an exception for that for Rails projects, or something like that.

They don't have any exceptions. I paid for the rails SAAS kit and then talked to Braintree and it took a week's worth of email just to get them to send me the application. They told us that if we didn't do enough volume they would cancel our account.

I ended up just going with Payflow Pro (Paypal). Had to rewrite most of the SAAS kit..

nod. braintree are tools if you're not a big player.

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