[LRUG] Recurring Payments and subscriptions

Tim Harding tim.harding at gmail.com
Fri Sep 2 02:42:23 PDT 2011 

 Okay, good advice. Also, their UK tech director is a good friend of mine ;) Thanks!  


On Friday, 2 September 2011 at 10:36, Jason Green wrote:

> Hi Tim,
>  
> If you don't get approval quickly from Paypal, try calling their tech support guys in the UK. I had one account pending for 3 weeks and then called them up and it was activated that day.
>  
>  
> On 2 Sep 2011, at 10:34, Tim Harding wrote:
> >  Yes, +1 on gocardless.com (http://gocardless.com) sounding good. We had a hard decline from HSBC when we asked about getting our own Direct Debit facility. They had "no appetite" for that sort of risk.  
> >  
> > Still need to accept credit cards too somehow. We're spiking Recurly + PayPal Website Payments Pro (without recurring billing option) for now to see if we can get something up and running relatively quickly. Still pending PayPal approval.
> >  
> > A review of this thread suggests a few successful implementations of Spreedly + various partners in the past year.
> >  
> > I see little evidence of successful Recurly implementations.
> >  
> > Has anyone successfully used Recurly and what were the gateway and banking partners you used?
> >  
> > On another note, a pocket project I run (writersresidence.com (http://writersresidence.com)) was recently approved for an HSBC merchant account (after banking with them for 2 years). We first applied in December 2010… I think I'll give Spreedly + RealEx a go for that one. The only risk stipulation on that account is that the hold funds for 10 days.
> >  
> > Thanks,
> >  
> > -Tim
> >  
> >  
> > On Thursday, 1 September 2011 at 19:02, Tom Blomfield wrote:
> >  
> > >  Hello - thought I'd chip in. Disclaimer: I'm promoting my own company!  
> > >  
> > > I've been a long-time subscriber to LRUG, and I run a company called GoCardless.com (http://GoCardless.com/) (some people may remember GrouPAY.co.uk (http://GrouPAY.co.uk/) from previous LRUG events or Hacker News meetups - GoCardless is the version for businesses.).
> > >  
> > > We enable online merchants to accept Direct Debit with zero set-up costs - really cheap recurring payments with a great REST API (built on Rails) & co-branded "checkout" page. Currently UK-only, but we're expanding to Europe shortly. You don't need a merchant account or any other payments provider - we provide an end-to-end solution, and we're backed by the RBS.  
> > >  
> > > If you'd like to find out more, please get in touch.
> > >  
> > > Cheers
> > >  
> > > Tom
> > >  
> > > --  
> > > Tom Blomfield
> > >  
> > >  
> > > On Thursday, 1 September 2011 at 09:59, Tim Harding wrote:
> > >  
> > > > Opening up this old beauty again:  
> > > >  
> > > > Has anyone had specific experience with Recurly + Sage Pay + Sage Pay's bundled merchant account provider Elavon?
> > > >  
> > > > It appears that Recurly's hosted payment pages don't meet some of the requirements that Sage Pay mandates around black-listed countries and badging. Elavon, the merchant account provider require VbV or 3D Secure, at which point Recurly can't support them.
> > > >  
> > > > Recurly is an "Approved Partner" for Sage Pay…
> > > >  
> > > > Assembling a string of three providers that work together well seems to be a real pain in the arse.
> > > >  
> > > > Apparently Barclays and HSBC are both pretty relaxed about 3D Secure/VbV so there's some hope in that direction.
> > > >  
> > > >  
> > > >  
> > > > On Monday, 31 January 2011 at 15:02, Paul Campbell wrote:
> > > >  
> > > > > Paypal Payments Standard is really a fantastic, fantastic solution,
> > > > > for what it is.
> > > > >  
> > > > > With some coaxing, you can also get Paypal Payments Express up and
> > > > > running, which is slightly less obtrusive, and lets you use their API
> > > > > rather than IPN to be sure a payment goes through:
> > > > >  
> > > > > http://www.codyfauser.com/2008/1/17/paypal-express-payments-with-activemerchant
> > > > >  
> > > > > +1 for RealEx with a merchant account, but getting a merchant account,
> > > > > for me, isn't really worth the hassle when it's an MVP. I have one,
> > > > > but I'm paying monthly for the privilege and not making enough back to
> > > > > cover it!
> > > > >  
> > > > > —P
> > > > >  
> > > > > On Mon, Jan 31, 2011 at 2:59 PM, Chris Parsons
> > > > > <chris at edendevelopment.co.uk (mailto:chris at edendevelopment.co.uk)> wrote:
> > > > > > On 31 January 2011 13:54, Tim Harding <tim.harding at gmail.com (mailto:tim.harding at gmail.com)> wrote:
> > > > > > > It's a shame you've had a different experience, it was a very easy way to
> > > > > > > get up and going on day one for us.
> > > > > >  
> > > > > > Same here: I got Paypal up and running a few years back very easily
> > > > > > using recurring payments. We did go through the same process that Tim
> > > > > > did, verifying our bank accounts etc, but it wasn't much hassle. Our
> > > > > > implementation is a very simple subscribe button which redirects to
> > > > > > Paypal's payment pages, so that might explain the difference.
> > > > > >  
> > > > > > Thanks
> > > > > > Chris
> > > > > >  
> > > > > > > On 30 January 2011 16:40, George Palmer <george.palmer at gmail.com (mailto:george.palmer at gmail.com)> wrote:
> > > > > > > >  
> > > > > > > > > I've had numerous problems in the past getting PayPal to turn recurring
> > > > > > > > > billing on. You need to pay for their Website Payments Pro account,
> > > > > > > > > which is
> > > > > > > > > not a simple transaction: it's pretty much a full merchant account
> > > > > > > > > application, and the bar they ask you to jump over is relatively high.
> > > > > > > > > You
> > > > > > > > > need to have been trading for 3+ years with them, and have a reasonable
> > > > > > > > > trading history with them on their standard package before they'll
> > > > > > > > > really
> > > > > > > > > consider you, in my experience.
> > > > > > > >  
> > > > > > > > I'm not sure if that's still the case, or if it is, we seemed to have
> > > > > > > > slipped through the net. We setup on a new business account and at
> > > > > > > > the time of applying for recurring payments, had been a company for
> > > > > > > > less than 2 years.
> > > > > > > >  
> > > > > > > > --
> > > > > > > > George Palmer
> > > > > > > > Founder
> > > > > > > > http://www.digitaldeliveryapp.com (http://www.digitaldeliveryapp.com/)
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> > > > > > >  
> > > > > > >  
> > > > > > > --
> > > > > > > Tim Harding
> > > > > > >  
> > > > > > > Well Informed Ltd
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> > > > > >  
> > > > > > --
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> > > > >  
> > > > >  
> > > > > --  
> > > > >  
> > > > > Paul Campbell
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