[LRUG] Recurring Payments and subscriptions

[Zach Inglis]

> Thanks for the warning.  It's something I'll check for.  Is that with Recurly + SagePay, or are you using a different payment gateway?
Recurly + SagePay + Lloyds Cardnet.
The issue is that Recurly stores the credit card details, not Sagepay. Sagepay just processes it. That's what makes them uneasy.

I had such a problem dealing with Lloyds and had a cowboy helping me that I am now dealing direct with the Regional Manager. Even he is proving to be troublesome. If they had it their way, my website would look like it was from 1998.

Good luck. If I can answer any questions, you have my email :)

Cheers,
–––
Zach Inglis
London Made, Creative Director

Mobile: +447800 838961 | AIM: zachinglis
Blog: http://zachinglis.com  |  Web: THE NEW http://londonmade.co.uk
Twitter: http://twitter.com/zachinglis  |  LinkedIn: http://linkedin.com/in/zachinglis


On 28 Jan 2011, at 15:01, Paul Wilson wrote:

> 
> On 28 Jan 2011, at 14:38, Zach Inglis wrote:
> 
>> We were going to do a similar setup, except we're doing it with Lloyds and it's proving to be a nightmare.
> 
> This is making me cross, in a write to my MP kind of way.  
> 
>> 
>> They are suggesting they do not recognise Recurly as a safe company even though they are PCI Compliant. You may have the same problems with HSBC so do check before you invest too much money. Because this is a new company, we're unfortunately having to deposit £10,000 also as backup payment. You may find yourself in the same boat if you have no trading history.
>> 
> 
> Thanks for the warning.  It's something I'll check for.  Is that with Recurly + SagePay, or are you using a different payment gateway?
> 
> Having read
> 
> http://danieltenner.com/posts/0006-how-to-get-a-merchant-account.html
> and
> http://blog.boxedice.com/2009/05/20/taking-payments-online-merchant-account-payment-processor-fees/
> 
> I'm going to try a number of banks, and also see about joining The Federation of Small Businesses(*), as may people are suggesting that their Merchant Account discounts are worthwhile.  
> 
> 
> (*) http://www.fsb.org.uk/  (Cheesy website warning).
> 
> 
>> The number one advice I have always got when building startups was "Don't roll your own billing system" by the way.
>> 
> 
> 
> Probably good advice.  Right now, we're planning to launch with a non-subscription based model - that way we can use PayPal (etc...) standard and we're not locked in to an account or gateway.  Oh hum.
> 
> 
> --
> Paul
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