[LRUG] Best Payments solution for Rails app?

[David Burrows]

Thanks for all the feedback!

Stripe is out for the moment, as is GoCardless - they're both great
services but I need an international solution, fingers crossed their
expansion is forthcoming. Paypal is still an option but as the project
deals with high-price non-physical goods it may be a bit risky.

Paymill and Braintree definitely look worth investigating further - will go
through the dev process and see how I get on.

Cheers,
David



-- 
David Burrows
079 1234 2125
@dburrows

http://www.designsuperbuild.com/ | @dsgnsprbld


On Mon, Feb 4, 2013 at 1:45 PM, Tom Taylor <tom at tomtaylor.co.uk> wrote:

> Our experience with PayPal has been reasonably positive, especially
> recently. They have a new CEO, keen to keep pace with the new upstarts.
>
> We *are* shipping physical goods <http://www.newspaperclub.com>, so that
> makes things more straight forward. We put a decent amount of money through
> them, >£500k/yr, and have absolutely no delay or hold on funds received.
> When we call we get through to a knowledgable person in Ireland.
>
> We're about to add a merchant account to the mix, if only to build our own
> credit worthiness and provide some resilience, but I'd argue PayPal is a
> good place to start.
>
> On 4 Feb 2013, at 12:58, Alex Reis <alex at alexmreis.com> wrote:
>
> > Whatever you do just steer clear of PayPal. Last client that asked for
> paypal ended up switching to Worldpay after much pain to get their account
> approved. Worldpay has a very decent system, though you can't API just your
> way to recurring payments, need to use their own pages to sign the user up,
> which are minimally customisable. Heard good things about Realex as well.
> >
> > Also do make sure you or our client's account is all set up and ready to
> go before jumping in on the project, otherwise you might end up spending
> quite some time and money only to find out that you've been rejected by
> that particular gateway and need to start over. Make a test transaction as
> step #1, not as a verification step in the end.
> >
> >
> > Alexandre M. Reis
> > http://alexmreis.com
> > +32 484 77 99 27
> >
> >
> > On Mon, Feb 4, 2013 at 1:54 PM, Gabe da Silveira <gabe at websaviour.com>
> wrote:
> > If you're not selling a physical product absolutely do not use PayPal.
>  Braintree is good and can work with many different currencies although you
> will require merchant accounts in said currency.  Of course Stripe is the
> best if you can limit yourself to the US/Canada for now.  The rumor is UK
> is in development or at least on their radar.
> >
> > If you go with Braintree or Stripe then you could avoid the overhead of
> ActiveMerchant which ends up being sort of a lowest-commond-denominator
> solution.  The idea is that it abstracts the payment details so you can
> switch gateways easily, but in practice the surface area of the payment
> processing interface isn't that big anyway, and if you design your
> application correctly than I think the precision and clarify of using a
> specific payment systems library outweighs the small benefit of
> ActiveMerchant's abstraction.  That is assuming the libraries are
> well-maintained, which Braintree's and Stripe's are.
> >
> > -gabe
> >
> >
> > On Mon, Feb 4, 2013 at 12:42 PM, David Burrows <
> david at designsuperbuild.com> wrote:
> > Hi All,
> >
> > Got a project where I need to setup one-off and recurring payments from
> around the world, mainly US & Europe - was wondering if anyone had any
> current recommendations? I've used active_merchant / Paypal in the past but
> Braintree has a lot of good buzz and seems like a more robust solution,
> esp. considering PayPal's recent form.
> >
> > Cheers,
> > David
> >
> > --
> > David Burrows
> > 079 1234 2125
> > @dburrows
> >
> > http://www.designsuperbuild.com/ | @dsgnsprbld
> >
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