[LRUG] Credit card processing in the UK

Tue Aug 7 05:48:43 PDT 2012

> securely tokenise and store credit card details
Technology aside, you will also have to deal with regulatory issues
(which I suspect is the *really* hard part) :)

Best,
Sidu.
http://c42.in
http://sidu.in

On 7 August 2012 18:13, Stevie Graham <stevie at twilio.com> wrote:
> You may as well just build a Stripe competitor at that point as you will
> have to securely tokenise and store credit card details according to
> PCI-DSS. If you want to do that, there are several customers on this thread
> I'm sure, including me.
>
> S
>
>
> On Tue, Aug 7, 2012 at 1:28 PM, Paul Campbell <paul at rslw.com> wrote:
>>
>> A really cool hackday project would be to take an existing API and
>> re-implement it to use the Stripe API… once Stripe comes along, you
>> could just cut the cord!
>>
>> —P
>>
>> On Tue, Aug 7, 2012 at 12:51 PM, Sidu Ponnappa <ckponnappa at gmail.com>
>> wrote:
>> >> I’d strongly advise against paypal.
>> > I second that. We launched payments for RubyMonk last week only to
>> > have Paypal lock our account a handful of subscriptions in. We're
>> > still trying to resolve the issue (they needed more documentation for
>> > account verification), but they've taken three days for the first set
>> > of documents and have come back asking for more, so that's going to be
>> > another three days.
>> >
>> > Being based out of India, we have little choice but to go with PayPal.
>> > We're incorporating a subsidiary in the US simply to get access to a
>> > better payments processor like Braintree or Stripe.
>> >
>> > Best,
>> > Sidu.
>> > http://c42.in
>> > http://sidu.in
>> >
>> >
>> > On 7 August 2012 16:48, Louis Goff-Beardsley <louisror at gmail.com> wrote:
>> >>
>> >> I’d strongly advise against paypal. I had serious issues caused by them
>> >> limiting my merchant account without warning a few years back.
>> >>
>> >>
>> >>
>> >> Best, Louis
>> >>
>> >>
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>> >> -----Original Message-----
>> >> From: chat-bounces at lists.lrug.org [mailto:chat-bounces at lists.lrug.org]
>> >> On Behalf Of Frederick Cheung
>> >> Sent: 07 August 2012 09:16
>> >> To: London Ruby Users Group
>> >> Subject: Re: [LRUG] Credit card processing in the UK
>> >>
>> >>
>> >>
>> >>
>> >>
>> >> 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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>>
>> --
>>
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