It worries me when the first two sentences contradict each other: "Paymill enables you to offer credit card payments on your website within a short time. There is no waiting time" Which one is it?
I hope it's the real deal because the world needs it (we deal with a lot of non US developers around payments all the time so know the pain). But Stripe hasn't nailed it and Braintree couldn't nail the "immediate sign up" outside of the US so I too will wait to hear if it's all that much different.
Lastly looks like just Visa/MC. No AMEX or Discover which isn't the terrible but worth noting vs other options. (AMEX is more expensive so not having it I'm sure helped them get to 2.9%)
a guy from our business team will contact you in the next days. Looks like a cool service you're offering! :)
We're thinking about AMEX and it could be another possible step in our v3. Actually we want to fix some minor bugs, our blog will updated within the next 1-2 weeks so you can stay tuned on English as well.
We actually didn't have the time to update our blog regularly regarding our European rollout. ;)
For what it's worth, AMEX is uncommon in my EU country (and I say that as someone who uses AMEX) and I wouldn't be surprised if it's just as rare throughout the EU. I have literally never seen a Discover card.
From the look of the API is also seems like Paymill wouldn't be of any use if you ship physical products. Some European countries don't allow you to charge the customers card until the goods are actually shipped. This mean that you do need to be able to reserve the money and later do a "capture".
I love the simplicity of solutions like Stripe and Paymill, but I really don't see them be all that useful. That might of cause be because I'm in the business of shipping physical products in small geographic location.
EDIT: Just noticed Dankort being supported by Spreedlycore, awesome.
It says you can trigger the capture to fire a bit later, though you'd probably want that to happen when you ship an order -- which you can do with the API by creating a new Transaction from your preauthorization: https://www.paymill.com/en-gb/documentation-3/reference/api-...
It seems like is saying the amount of time required by the developer is small and that you don't have to wait for approval/activation. (i.e. if it was a process it would be both fast and cpu-bound.)
I don't think that's necessarily true. The service lets you get payment processing up on your site in a short time. There is no waiting period to get an account set up to receive payments. It makes sense, its just not super specific.
Correction: Braintree hasn't nailed it even inside US, despite reports otherwise. Even though you can sign up and get started with a developer account immediately, there is a human underwriter who looks at your account and activates production. This process might take lesser time now, but its not automated (like Stripe) and some people might get rejected on the way.
This step is the key value proposition for me. If Braintree or Paymill doesn't work like that, then they are not comparable to Stripe.
This is no worse then any of the other payment processors in the UK but hardly the frictionless option that is in the US.