Ask YC: Payment Processing

[scribblewiki]

I know this has been talked about before many times; but, looking through it still haven't been able to find a good one.

We currently use Paypal which has most of the features we currently want - no monthly fee - monthly subscriptions - not needing a merchant account

The problem is for a lot of business users and some consumers, going to another site Paypal looks a little "un-professional" and doesn't always just let you put in your credit card information.

I've looked at - Authorize.net, needs merchant account - Amazon, for the U.S. only - Paypal's PayFlowPro, for the U.S. only

I've been looking into 2checkout and they seem to look good.

Any other suggestions?

[bufferout]

For cushycms.com we offer a choice between PayPal and AlertPay when paying for plans.

They both do subscriptions. PayPal for quick and easy. AlertPay for a more traditional credit card style gateway.

Being based in Australia really limits our options though.

[agotterer]

If this a "serious" project, there shouldn't be a second thought to setting up a proper merchant account (authorize.net). Its a very small investment in the realm of things. Especially if you want to appear as "legit" or "professional". If that not an investment you are willing to make yes, I think you can get away with PayPal for the time being. Take a look at Express checkout, it's a lot prettier then some of the previous PP integrations.

[vaksel]

I like http://cdgcommerce.com/

They have very good rates, and customer service is top notch.(look on sites like webhosting talk and everyone raves about them)

+ if you plan to store people's credit card info they have the vault for that.(so you won't have to spend thousands on compliance with the credit card companies)

[Shooter]

Amazon FPS?

I'm told this is a cool service, but I have no firsthand experience. We own a payment processing company, so we've never had to deal with third-party gateways before.

[johns → Shooter]

FPS requires your users to have amazon accounts which introduces a similar break in the checkout process as PayPal.

[umangjaipuria]

Amazon's Checkout By Amazon and Amazon Simple Pay are complete solutions - much simpler to use than FPS.

[scribblewiki → umangjaipuria]

US only

[johns]

I use and recommend www.merchantplus.com

[jasonlbaptiste]

if youre doing subscriptions, zuora is the way to go. let me know if you want an intro.

[simonw]

Google Checkout?

[scribblewiki → simonw]

Also, looked at that; was hoping for something again that I could either keep users on my site or have it look similar to my site. Google Checkout doesn't do any of that.

[green → simonw]

no recurring payments with Google Checkout