Since March 2013, I've been working on building a payment system to sell products for my business. It started out as a modified version of Stripe Checkout. And, from there, I bolted on a full-featured back-end to manage the checkout and collected payments.

I named my payment system "Snappy Checkout". Here's an example of how I use it on one of my websites:

https://www.snappycheckout.com/pay?E13DZ319DJ1SJCNDH2JDP1

After adding a few lines of JavaScript, the checkout can also be launched directly from any website that uses HTTPS.

Here are some differences from other checkouts I've used:

- Both Stripe and PayPal payments can be accepted. I prefer Stripe over PayPal (API-wise), but I didn't want to switch soley to Stripe because a lot of people still like paying with PayPal.

- When a payment is received, a number of checks are run to determine if it's possibly fraudulent. I'm using the term "possibly" because it's hard to programatically determine a payment is fraudulent at 100% accuracy. So far though, I've found Snappy Checkout's detection to be accurate when scanning payments that I've received.

- If selling digital products, files are stored in your own Dropbox account. I suppose there could be pluses and minuses here. But, I prefer to allow people to control their own files.

- Snappy Checkout offers a variety of payments -- including one-time payments, discounted payments, subscriptions, subscriptions with a trial period prior to the first payment, and the option to split a payment over several months.

- Both Stripe and PayPal payments can be viewed, searched, and refunded from the Snappy Checkout dashboard.

- The cost is 2.9% + 80¢ per sale. Most people are charging a percentage of the sale price on top of the credit card processing fee.

I think others will find this can work for their business too. What do you think?