[LRUG] Credit card processing in the UK

[Rob Sworder]

Hi,
I've also been looking into this;

for UK:
Sage Pay provide a token system (http://www.sagepay.com/token-system)
Paypal Express (but not Pro?) provide reference transactions (https://cms.paypal.com/us/cgi-bin/?cmd=_render-content&content_ID=developer/e_howto_api_ECReferenceTxns)

and for N.America:
Authorize.net (http://www.authorize.net/solutions/merchantsolutions/merchantservices/cim/)

Rob Sworder
robsworder at timeout.com

>> >> On 7 Aug 2012, at 09:09, J. Pablo Fern?ndez <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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