[LRUG] Best Payments solution for Rails app?

[JB Steadman]

A former client speaks highly of Chargify; it looks like they do Europe.


On Mon, Feb 4, 2013 at 4:49 PM, David Burrows <david at designsuperbuild.com>wrote:

> 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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-- 
JB Steadman
Pivotal Labs - London
mobile: +44 (0) 7450 418 409
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