[LRUG] Credit card processing in the UK

[Frederick Cheung]

On 7 Aug 2012, at 09:09, J. Pablo Fernández <pupeno at pupeno.com> wrote:

> Hello rubists!
> 
> My startup is getting closer to the point when we start charging. Yay! So... Any recommendation on a merchant, or however you'd call such a provider, that would store the CC number for me and allow me to place a charge of variable amounts every month? Yeah, I know, the trickiest of the cases. The most promising companies offering these types of services that I found all fail at the geographic level: they are US-centric and can't operate in the UK.

worldpay do offer this service in the uk. You can set up what they call a futurepay recurring payment. You can either do a regular payment which occurs at fixed intervals (but with a varying amount) or adhoc intervals but with a limit (that the user enters when they give the card details to worldpay) both on the total amount chargeable per time period and the max frequency of payments. I did an integration with the latter a few years back and it was relatively straightforward (although we never launched, for a bunch of other reasons). Setting up a merchant account with worldpay was a bit of a pain - took forever and they wanted all sorts of crazy info to verify us (did that bit again quite recently)

I believe paypal also have a recurring payments thing, but I finds paypals set of products to be utterly confusing.

Fred
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