What's the best online payment processing solution? | Hacker News Reader

What's the best online payment processing solution?

11 pointsjmpeters8 comments

I'm looking for an online credit card payment processing solution that can handle recurring monthly payments. I'm open to linking off of my site to a hosted provider, so long as I can sufficiently customize the look-and-feel. I'm also open to a lower-level code-it-yourself type of solution. Of course I don't want to spend too much time on this, and I want it to be cheap. :) Thanks in advance for sharing your experiences.

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See:

http://news.ycombinator.com/item?id=33322

http://news.ycombinator.com/item?id=33505

http://news.ycombinator.com/item?id=12010

http://news.ycombinator.com/item?id=5303

Great info, thanks.

Paysimple looks pretty good: http://www.paysimple.com/competitors.html . Anyone have any first-hand experience with it?

As I noted in one of those links, I've had success with Cybersource in the past. Their small business division is pretty competitive. For recurring payments, I just stored the cards encrypted and re-billed when necessary. It really wasn't too difficult or time consuming.

i have some experience with this.

i researched a lot of payment gateways such as authorize.net but decided against it because they have a lot of fixed costs which you can only recuperate with high volume.

Also online processors have a lot of procedures, credit checks etc. which is a lot of pain.

I went with paypal but had a lot of trouble with theiragent when dealing with fraud.

I would probably try amazon if I was doing it today.

Once you have an established volume you can switch to a dedicated service like authorize.net. Until then it is better to pay per transaction.

Regards.

-Augustus

People seem to like PayPal, and are used to the checkout process. I'd also like to hear about how customizable it is, as I'll be working on it in a few weeks.

amazon's new flexible payments system

Fwiw, FPS, while progressive in comparison to PayPal in that its % cut increases as Amazon's costs do, is, unfortunately, limited to US customers at the moment.

I've used authorize.net in the past. They were recently acquired by cybersource.

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