[LRUG] Best Payments solution for Rails app?

[Alex Reis]

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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