[LRUG] Credit card processing in the UK
Kevin Monk
kevin at mangoswiss.com
Tue Aug 7 10:13:53 PDT 2012
Still waiting for the Bitcoin revolution myself.
When the pioneering and decentralised world of software development meets the old world of dusty legal books, contracts and top-down imposed standards, you realise just how broken the old world is.
On 7 Aug 2012, at 13:48, Sidu Ponnappa wrote:
>> 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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>>>>>
>>>>>
>>>>> [Louis Goff-Beardsley]
>>>>>
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>>>>>
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>>>>>
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>>>>>
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>>>>> 2012
>>>>>
>>>>>
>>>>>
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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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