[LRUG] Recurring Payments and subscriptions

Tim Harding tim.harding at gmail.com
Fri Sep 2 02:34:14 PDT 2011 

 Yes, +1 on 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) 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
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> > > > >  
> > > > >  
> > > > > --
> > > > > Tim Harding
> > > > >  
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> > > --  
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