Ask HN: Payment Gateways?

3 pointsby marilyn16 anni fa3 comments

Reading up on the Chargify pricing increase (http://news.ycombinator.com/item?id=1780348 and http://news.ycombinator.com/item?id=1781156) led me to compare subscription payment services, which quickly lead to questions about gateways and merchant accounts:

1. How do payment processors like Speedly and Chargify relate to merchant accounts and payment gateways? 2. Are there any other pieces of the puzzle of getting the money from my paying, online customer to my account? 3. What should one look for in a payment gateway and/or merchant account? Does one need multiple gateways and/or merchant accounts? 4. Any recommendations for payment gateways and/or merchant accounts? 5. Any reasons not to go with PayPal instead? 6. Any one have experiences with Braintree?

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From my notes: Brief comparison online subscription payment processing options October 2010

    *   CheddarGetter (https://cheddargetter.com/)
          o Up to 20 customers free
          o $39/month for up to 1000 customers
          o $169/month for up to 10,000
          o $549/month for up to 50,000
          o requires merchant account
    * Recurly (http://recurly.com/)
          o $29-$699/month plans
          o +20-8 cents per transaction
          o +2-8 cents per user
          o must pay gateway and merchant fees separately
    * Spreedly (http://spreedly.com/)
          o $19 per month + 20¢ per payment transaction or 2% per payment transaction, whichever is less
          o Payment gateway required
          o 5000+ transactions per month, ask for bulk pricing
    * Chargify (http://chargify.com/0
          o  free development
          o $99/month for up to 500 customers
          o $349/month for up to 2000
          o $999/month for up to 10,000
          o branded payment pages
          o set up your own merchant accounts separately
    * Braintree (http://braintreepaymentsolutions.com/)
          o includes merchant account
          o payment processing with recurring payment add on option
          o 2.89% + 30 cents/transaction
          o $15/chargeback
          o $75 monthly minimum
          o one time $99 setup fee
          o $20 + 1 cent/card/month for credit card info storage
          o 20 cents/subscription per month for recurring payments

3 comments

fastspring16 anni fa

FastSpring's subscription offering (in beta) includes a merchant account, the gateway, etc. Finally, a one-stop shop for SaaS e-commerce. No need to piece the puzzle together on your own anymore.

marilyn16 anni fa

Is there some public info on FastSpring's beta subscription service? All I can find is: http://www.fastspring.com/faq.php#twentyone

I am currently debating between FastSpring and rolling out my own PayPal based payment processing for a e-product site. If FastSpring will meet my future subscription needs, my choice would be easy to make!

fastspring16 anni fa

We'll update the FAQ. If you'd like to be considered for the beta, please email support at fastspring.com and mention you're interested. Thanks for your interest.