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What you are doing is called negative option billing, and it is specifically forbidden by BrainTree's Acceptable Use Policy.
It's even illegal in some states.
You simply cannot charge someone for not doing something, even if they agree to it.
The work-around would be to charge users upfront, debit their account if they fail to check-in, then send the balance to the charity at the end of the month.
Then the purchase is done upfront, the user is being billed a known amount, and they are conducting the transaction personally at the time the credit card is charged.
https://www.braintreepayments.com/features/fraud-protection
It looks like it can be all sorts of inane things that cause it to incorrectly flag -- based on my experience with these tools I'm betting a typo caused an initial fail, then re-entering information too quickly made it decide you were a bot or something to that effect. it needs immediate re-configuration at any rate.
Doesn't work with a lot of merchants, they can get your updated card number from your bank very easily.
I highly recommend going back and using Braintree v.zero. I've been investigating new payment solutions for OpenEdX. We currently use CyberSource Secure Web Acceptance (very similar to PayPal IPN) and PayPal's REST API.
PayPal's REST API is simply not reliable. Some payments need to be retried. Others come back as declined, yet the buyer is charged. It's terrible.
The IPN approach works well...until you drop a request (either due to load or a server outage). The risk of this probably be low; but, having experienced these issues along with having to manually reconcile orders, I do not wish this pain on anyone else.
Braintree v.zero lets you avoid these issues because the entire transaction is handled in a single request after the user POSTs to your server. There is no need to listen for external calls and validate signatures (aside from CSRF tokens). Get the POST, make an API call, finish the handling on your end. It's really nice compared to the alternatives!
Ugh. So they couldn't figure out incremental schema changes with low duration locks and instead went with an EAV model. Obviously it works, for some value of "works", but still, ugh. Even just storing serialized blobs would have been nicer, not to mention stuff built for this exact type of thing, like hstore (was available and production ready at the time).
Many credit card gateways offer “card updating” services that retailers can subscribe to. It often has a cost associated with it, so not every service will subscribe, as you’ve seen.
An example:
There is going to be an API for using Apple Pay, of course they'll "support" it in their iOS wrapper sdk. All this means is that you can develop an app that uses the Braintree SDK to make calls into the Apple Pay API. If you develop your app with the Braintree SDK, you'll be able to use Apple Pay as one of the forms of incoming payment. You won't be able install a Braintree app on your phone and then go swipe a NFC reader at the store and have it charge your Bitcoin wallet instead of your card.
There are a lot more players in between the gov't and visa/mastercard/etc. in this, the % they pay is much higher, but definitely not 17.5%.
More likely to be around 2.6-2.7% plus 25 cents. As an example, here is Braintree's payment structure: https://www.braintreepayments.com/braintree-pricing
In the end, the exact % and cents are based on industry and partner, but it's WAY higher than 1% for the company swiping the card.
just some clarification, UBER does not store your credit card data. so does most of the other online services.
to store this kind of data you need to go through ridiculous amount of certification (especially here in Europe) and PCI DSS compliance (payment cards industry data security standards). that is why no sane business does it on it's own, if it doesn't have to. there are third parties that provide this kind of services - it's called payment processing (as far as I know Uber is using Braintree).
so yeah, your credit card data is perfectly safe with UBER.
SOURCE: working in finn tech since few years now. online transactions nowadays are much more secure than giving your credit card to a waiter at a restaurant. just don't give your credit card data to shady businesses and Nigerian aristocracy and you will be just fine!
You can also use square - https://squareup.com/ very easy to set up. Website and Hardward. If you have your own website you and just want to integrate a payment processor Braintree - https://www.braintreepayments.com/ would be a great option. First $50k in transactions are free and they are owned by Paypal. Their customer service seems to be great at this point in time.
Most large real world projects will require a mix of these things
- Querysets, prefetching and annotations. Getting performance from your querysets to prevent multiple queries hitting the database when they don't need to happen.
- How async tasks work, and how to implement them with celery and/or django q. This could be anything like sending an email and or performing a large calculation that the user doesn't need right away
- Polymorphism/ polymorphic models and when to use it and the advantages they bring
- Safe migrations. It doesn't seam like it but some migrations aren't safe on large projects/databases. This can lead to sites not working for users and is good to know about. This is a good starting point https://www.braintreepayments.com/blog/safe-operations-for-high-volume-postgresql/ it's useful to understand this with django projects
- Deployments can be handy to know about and understand, especially if you want to show off portfolio work.
- Once you understand this I'd recommend learning about a frontend framework and investigate how you can integrate that into one of your projects
You. I think fees are $400 for mastercard, $250 for Visa. I wouldn't worry as even if a merchant wins a first charge back rarely do they refile or win a second if the consumer tries again.
Read this https://www.braintreepayments.com/blog/a-guide-to-chargebacks-part-iii-of-iii/
(a) they may be russian, but they live in the US...
(b) They use https://www.braintreepayments.com to process payments in the app (based on charges from using it). This is what uber uses as well. Presuming they implemented it correctly, they never see your credit card number on their servers, rather they get a nonce that allows them to charge your card, but that can be rescinded at any time.
I am not sure if this is true any more though, its not my area of expertise, but I have been seeing a at least a few cases of well scaled out postgres. Like this one:
https://www.braintreepayments.com/braintrust/scaling-postgresql-at-braintree-four-years-of-evolution
And then I hear reddit uses postgres. I mean if it can work at reddit scale, do most of us need to worry ?
Ebay and Paypal are both already looking at Bitcoin, with PayPal having already integrated it into their Braintree product (which handles payments for places like Uber and Airbnb).
It looks like its possible to set up recurring payments without the CVV being stored.
To be blunt, PCI DSS violations are not for you to worry about. If you think a merchant is violating PCI DSS standards, then you report them to Visa/etc.
Google wallet as it is today is just a method to send people money.
You add your bank account or card, transfer money into the wallet, then are able to send it to other Wallet users. From there you can send it again or send it back to your linked bank account.
That's the long and short of it.
Google wallet used to have a payment method via NFC. That feature was divorced of Wallet and is now Android Pay.
Android Pay allows you to add supported credit or debit cards to the app. Once added you can tap the phone to an NFC enabled terminal to pay.
You know the terminal accepts this if you see the NFC or branded icon. NFC, Apple Pay, Android pay
Unlike Wallet you do not need to transfer money or anything like that. Basically when you pay via an added card it generates a token authorized through your bank. When you tap your phone the phone sends that token to the terminal which it runs like your card. So on your end and the merchants end its just like you swiped your card. Money is immediately taken from your account. Only because it goes through a one time use token its impossible for someone to skim and take your card info.
Braintree says supplying the CVV doesn't make the merchant fee lower.
But it would certainly reduce the risk of a fraudulent transaction and/or a chargeback. So it's still in the merchant's interest to require it. And some payment processors would surely offer different rates to reduce those risks.
https://www.braintreepayments.com/blog/cvv2-does-not-affect-credit-card-qualification-rates/
Braintree's client list and general info shows that they develop payment solutions for clients; this isn't quite the same as general PayPal merchants that anyone can sign up for through an automated form.
In so far as that they are just partnering with Coinbase as what is frankly another middle-man layer, I think there's a bit of ways to go before PayPal/Ebay mainstream takes bitcoin even on merchant side. In my mind, the major step would be them simply acquiring Coinbase. I suppose that'd be a good thing for adoption, but a little depressing thinking about how they'd probably end up trying their best to co-opt bitcoin.
https://www.braintreepayments.com/ first $50k of transactions have no fees. After 50k you are in same boat as paypal.
also http://www.paymentsystemfees.com/
keep in mind dwolla does not accept credit card which is why they have no % fee. % fee is never going away with credit cards b/c that is how they make money by 'temporarily loaning' it to you for a transaction
I work as a Developer for Braintree Payments and we recently launched support for merchants in Canada and the EU. We're working hard to continually improve our international support and I hope we are able to help you. If you're interested and have any questions you can reach out to our sales team or just PM me directly.
I've used Stripe and Braintree in the past. Stripe is easier to onboard with better docs, but if you aren't careful being able to swap one provider for another is real tough if you directly use their tokens (following their internal modeling) in your database, as they're often different enough from each other that you can't drop-in replace them.
You might want to consider creating an abstract class that has an implementation powered by Stripe, which helps avoid that problem and may also make interactions with billing simpler from the rest of your codebase, but it will also add friction any time you want to use another feature from your payment provider as you need to think about how you want to abstract it. And if you aren't reading the docs on how the competitors work, your abstraction may end up being not-abstract-enough and still tied too tightly to Stripe and you've just played yourself.
So maybe only do that if you're willing to put some time reading multiple providers' docs and figuring out what's common/different between them?
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- We sponsor H1B / Visa / Green Card / etc.
If you message me your resume I'll happily forward it along to the right people. Otherwise, check out the openings here.
Thank you, it looks like Braintree Marketplace is exactly what I have been looking for. It just stinks that there is a 2.9% +$0.30 per transaction
> Braintree
That's available in Malaysia? Oh man, thanks! I'm serious, I didn't know braintree is avalable here. I might check it out!
Again, thanks!
Credit card payment gateways take a large percent. Typically, you can lower this percent if you operate a service like StreamLabs that has a high enough volume to get a better rate. As a lowly streamer though your options are limited. I've used braintree before: https://www.braintreepayments.com/braintree-pricing
I'm surprised more streamers don't take bitcoin donations. They are virtually fee free.
Destroy All Software transactions are processed via Braintree. If you inspect the source of the page, you can find it loading braintree.js from their servers over HTTPS, then initializing it on the subscription form. When the form is submitted, braintree.js encrypts the credit card information before it goes to the server. I don't have a key to decrypt that information; all I can do is forward it to Braintree, who can decrypt it and run transactions:
> Braintree retains the private key of the key pair so that merchants are unable to decrypt the encrypted fields server-side.
(https://www.braintreepayments.com/blog/braintree-js/)
Braintree is now owned by PayPal and it sounds like you trust them. (I don't trust PayPal in general; their purchase of Braintree was a huge disappointment to me.)
I can theoretically run arbitrary transactions against your card, of course, but you can simply issue a chargeback, in which case the burden of proof is entirely on me. I'll be charged the full amount of the reversed transaction plus a $15 fee, netting me -$15 per fraudulent transaction. This is true (often with larger fees) for all merchants. If I do that more than a few times, they're going to ask what's going on and I'll find myself prosecuted.
Alternately, if you google "destroy all software", you'll find five years of positive comments about it, including many in this thread from former subscribers. That seems like much better verification than all of the technical details above.
I haven't used Stripe, but I have used Braintree. API's pretty easy and customer support has been phenomenal, including on Christmas and new year's eve. I've heard similarly good things about Stripe too. I guess that's competition for ya.
Pleasantly surprised about Braintree, though, especially since it's owned by PayPal.
I've heard people say good things about Stripe, but I'm gonna use Braintree, b/c it looks better to me, for these reasons...
- there's no fees for the first £30,000 (approx ) worth of transactions you do (it's 2.4% after that)
- more payment options (they allow you to take payments via: PayPal, Apple Pay, Android Pay, Bitcoin, and Credit/Debit Cards)
- they're used by: Airbnb, Uber, GitHub, Mojang, LivingSocial, TaskRabbit, OpenTable...
There's a loophole or two that allows them to charge.
http://www.bankingmyway.com/credit-center/credit-cards/pull-plug-recurring-charges
We'd love to add Bitcoin. We use Braintree as our payment processor, and they're currently beta testing Bitcoin integration with Coinbase. Once that's out of beta, we'll probably add it! -DrewZilla
To jump in here, I helped build Shout.
I'll do my best to clarify a bit. We use PayPal's api to process our payments (https://www.braintreepayments.com/). The company is called Braintree and they are owned by PayPal (companies that also use them include: Uber, Airbnb, & Stubhub). So in terms of payments, it has identical security/trust but with a lower fee (0%).
When an item is purchased, we hold the funds, send the seller a shipping label, and the buyer a tracking ID. We then automatically send the funds to the seller 3 days after the package has arrived (unless they open a claim). We go through the same process as PayPal we re: to claims.
There are 0% Fees, Free shipping and, in my opinion, a wide-variety of benefits to transacting.
There are also a few cool features that make it unique. One is called "make an offer", which allows buyers to offer a price below the one listed, but they enter their payment info beforehand. We then put a pending charge on their CC for that amount and give the seller the option to accept or reject the offer.
Here a few screenshots of the app (I also snuck in one of me holding the deck). I would love ANY and all feedback. We're working hard to build an app that is awesome for you guys to buy and sell and I think we can get there. Your help/advice is essential.
Screenshots: http://imgur.com/a/qdb9L#0
On top of these, alternatives to look at are:
- Braintree - 2.9% + $.30/transaction (2-day payout)
- Balanced - 2.9% + $.30/transaction (1-day rolling payout)
These are essentially Stripe with faster payouts—startups with nice APIs.
Edit: For general payments there's a comparison here: http://gatewayindex.spreedly.com/
You can do this with TD but it is non-obvious and requires you to go in branch and talk to someone. I'd recommended people set their Visa debit transaction limit to $0. Otherwise some online transactions can be made without CVV purely by guessing your card number.
>https://www.braintreepayments.com/blog/visa-compliance-regional-cvv-requirements-for-merchants/
I know this isn't the most common route, but for years I used Stripe. Charge the client's credit card and it lands in your account in 7-10 days (depending on weekends/holidays/etc).
I just recently switched to Braintree for basically the same fees, same service, but deposits within 2 days. It's definitely more of a pain to register as they need to know EVERYTHING about you, including a credit check.
I was initially denied but after some back and forth got it straightened out.
Nope, per PCI standards (basically the rules for being connected to the payment card networks), they aren't allowed to store the CVV code, so they shouldn't have a copy of the old value.
Braintree offers wellsfarg or chase paymenttech merchant accounts. Merchant accounts underwrite the risk.
https://www.braintreepayments.com/legal/bank-agreement https://en.wikipedia.org/wiki/Merchant_account
I'm hosting on digital ocean a business outside of USA that sell digital content (specialized magazines ) . You can buy a subscription via Authorize.net or Paypal (https://www.braintreepayments.com ) but most of the income goes there. Now DigitalOcean allow me to pay via Pay pal and I can do recurring monthly payments which I would love on AWS (not to use a credit card)
That's some bullshit. Fine if they don't want to deal with PCI requirements and audits and stuff, but that's why companies like Braintree exist. Braintree literally exists so that any fuccboi can accept credit card payment on their site and not have to worry about anything.
Braintree in Chicago is supposed to be a good one. I know a few folks who work there, but I don't see any copywriter positions listed right now.
https://www.braintreepayments.com/careers#jobs
As for resources, here's a pretty detailed list of what's in Chicago:
Start writing them. All of them. Explain your position - be honest. You're new, you want to get your foot in the door. You'd take an intern spot, whatever. I'm not sure if you're traditional or digital or both (these days, not being experienced with digital ain't such a great idea), but look at the ad agency listing here, and the interactive listing.
Start following these agencies on Facebook and on Twitter. Pay attention to when they're looking.
> Bitcoin is taking its baby steps still, give it some time.
Bitcoin quarterly transaction volume is 1/7th of PayPal's (11.25 vs 80 billion per quarter). That's a significant fraction, and why Braintree, a division of PayPal, Inc is testing bitcoin acceptance (see bottom of page for proof Braintree is part of PayPal)
The Chase customer service rep is incorrect. Clearly, Spotify got your updated credit card account information. But it looks like it doesn't come directly from Chase; Chase sends card update information to Visa, and Visa has a service that provides that information to merchants like Spotify who do recurring billing: https://www.braintreepayments.com/blog/automatic-update-of-credit-card-information-for-recurring-billing-merchants/
BrainTree is a PayPal company that does recurring payments. As a bonus they'll do your first $50,000 in processing for free - no fees or percentages taken out.
There is also Rebilly. I have not used any of these but I've heard positive reviews. BrainTree sounds like a good start due to the introductory deal. Hope this helps
Oh interesting, no I have not. Holy crap they're free for the first $50k. I am really interested to hear from people who have used them now.
edit: my tired brain for some reason thought they meant the first 50k/year. Even still, that's at least $1,450 saved if you pick braintree. Since I've picked stripe and therefore have spent time/money on development, I can't say it's worth switching for me yet. Plus I've switch so much I feel like the village bicycle.
If its in your budget, you can look to work with larger companies like PayPal Developer or Braintree
Or the plethora of other resources, so you don't have to rely as much security yourself. Plus, using an external site can give a new site more credibility with a customer.
And its less time and work to make it a better experience overall.
Braintree charges NO transaction fees for the first $50K of transactions. After that, rates are comparable with other providers. I moved one client from PayPal and he raves about how much better they are (even though Braintree is now a subsidiary of PayPal). Highly recommended for low-volume or starting-out folks.
I also have put a couple of clients that don't have tons of product SKUs on FoxyCart -- it moves the entire checkout process to a third-party service that's secure and still very customizable, so all the PCI headaches go away. The clients don't even need HTTPS on the webserver because the website is just a catalog -- all the cart-related stuff is through the service.
You're way further than I was when I did the interview. The coding challenges I was given were incredibly simple. If given the same coding challenge I had, all you'd need to be able to do is define a method, print something to the command line, and run operations (+, - , , *, etc.) on an integer.
The focus is really much more about why you want to go to Dev Bootcamp, and if you'll make it to the end. They want to know that you've thought this decision through. Have you ever lived in a big city? If not, how do you plan to adapt to living in a big city? Do you have the financial resources to make it through the entire program? Where will you live? What's your commute going to be like? Do you have an emotional support system in place? Have good answers to those questions and you'll set yourself to succeed not only in the interview, but the program itself.
Happy side note. Braintree is going to award two full scholarships / mentorship for Dev Bootcamp for under-represented gender and racial minorities in tech. Check it out if that applies: https://www.braintreepayments.com/blog/commit-fellowship
Note that it is absolutely against your credit card agreement to EVER write the CVV code to disk (or paper). Even to a swap file. EVER. NEVER. If you store it at all, it must be kept in volatile memory for as little time as possible. Also keep in mind that there are encryption requirements for the credit card number itself.
https://www.braintreepayments.com/blog/pci-compliance-basics-for-credit-card-security
Whats the penalty for failing to failing to comply? Glad you asked!
The laws surrounding credit card transactions in the United States has changed to protect the consumer! Moving forward (effective sometime this year), any company who's gets their customer's credit card information stolen is responsible for reimbursing the consumer (the credit card company is no longer liable). So to put it bluntly: if your shit gets hacked and stolen, it's on you to pay for the shit the scammers bought. This is to encourage appropriate credit card security practices. If Home Depot and Target got their customer's data stolen, you better believe that yours will if you insist on ignoring contracts, standards, and best practices. This is why you've recently seen many credit card companies mail out new cards with chips and many retailers get the new terminals to support the new cards.
So everyone has focused on payment processing so far. Additionally, any time you handle PII (Personally Identifiable Information), you need to follow best practices and security standards to keep it safe. Names, addresses, e-mails, and phone numbers are all PII.
If you don't want to put in the work, I highly recommend you choose a payment processing vendor. In fact, I recommend that anyway. Both PayPal and Amazon offer easy payment solutions. When shopping, I prefer Amazon's over anyone else's since I use it anyway and it has my personal and business card on file, but there are more good solutions out there than just those two.
As u/lorrieh has said, braintree was bought by Paypal and features Paypal integration.
This is what I was able to find. It has a few of the tools you have mentioned. I want to know what you think.
All the payment processors I've ever used in the US charge at least 2.5%.
Check these out if you don't believe me, you'll see what I'm talking about: http://stripe.com http://paypal.com https://www.braintreepayments.com/
I'm paying 3% right now so if you can provide me with a cheaper processor I'd love to know about it :)
My company is hiring like crazy. Not sure you'd get work in the next week or two, but you could at least start the process while you picked up some temporary stuff. https://www.braintreepayments.com/company/careers
offer a combination of braintree for credit card processing depending on if you have a merchant account but overall can be cheaper.
https://www.braintreepayments.com/pricing
along with paypal.
It is possible its because of:
"Eight years ago Visa started working on a program they call Account Updater (VAU). They created an automated system that directly interfaces with merchant accounts and updates customers credit card information."
"Yeager discovered his old gym got his new credit card information from his credit card company. All the major card companies do it. Visa calls its service the Visa Account Updater. At Mastercard, it's the Automatic Billing Updater. American Express calls their service the Cardrefresher."
Make sure your bank turned it off.
Did you set up the DD account online or through the app? Any chance your information was intercepted via phishing or malware?
The fact that they knew your 3 digit security code makes me skeptical that it was an internal DoorDash breach - because DoorDash literally doesn't store it anywhere. An employee wouldn't have access to that kind of information because merchants aren't allowed to store CVV codes. Even if you checked "save card on file", they would verify it once when saving the card, but it still wouldn't be saved anywhere for them to retrieve it.
So it couldn't have possibly come from their servers, but could have been some kind of man-in-the-middle attack where your computer, browser, network, etc. was breached.
As a quick heads up, Adyen don't work with out-of-the-gate startups, they only accept businesses with existing revenue. Their platform looks great and their fees are low, but when I applied on behalf of a startup ~6 months ago they asked us to apply again in the future with proof of revenue.
Stripe don't care about what stage your business is at, enter in your business details and away you go. They are an unstoppable force in the world of payment processing, read this excellent Stratechery newsletter from a few months ago.
It's worth mentioning Braintree too: they are the "developer" version of Paypal, positioned in such a way as to compete with Stripe.
If rollbacks happen rarely, what is wrong with doing it manually? Better than an automated solution corrupting your data.
Also the environment doesn't have to be down when you rollback. Use the zero downtime migration strategies mentioned here. E.g. instead of using ALTER COLUMN to change a column type, declare a new column, write a trigger that will mirror writes from the old column to the new column, backfill the new column and then finally drop the old column in favor of the new column.
> don't have pay for transaction processing yourself
No one has pointed this out yet... but its like 3% on the high end with every payment processing service Stripe is 2.9% + 30 Cents. Braintree is the same. Their services are very easy to integrate into your application.
This "access to our userbase" reasoning is complete bullshit. I bought the device from Apple. That should be the end of the deal right there. I am not their product. I bought the product from them. Everyone would say it was absurd if Microsoft decided to charge anyone who created an application that ran on windows 30%. Phones today are no different than computers. We use them for nearly every task we use a computer for. The platforms need to be open.
> Can you access https://www.braintreepayments.com ?
yes i can
> Have you noticed other connectivity problems today? Reboot your router and try again?
no, nothing different
> Same error in Incognito I assume?
unfortunately, yes
I can't tell you for sure because it seems to be a problem specific to you / your connection.
Can you access https://www.braintreepayments.com ?
Have you noticed other connectivity problems today? Reboot your router and try again?
Same error in Incognito I assume?
If it is truly pending, then yes -- it is just an authorization:
And it should expire after a certain period of time. 7 days, per this:
TL;DR: If you want to potentially be responsible for a ton of refunds and legal issues for $100 then go for it.
You could try contacting them. You should never have a web site live unless it is complete, and that may well have influenced their decision. Give them a call, and see what they say?
Call them at the number on https://www.braintreepayments.com/contact
I don't know, but Braintree is known for being more available internationally, so perhaps they have an instant payout in the UK, or at least one that is quicker than 7 days. Good luck!
I really dig BrainTree (https://www.braintreepayments.com/). they only charge 2.9% + .30/per transaction. No monthly fees or minimums or anything. Accounts can get setup quick and there's a plug-in to link it all up into WooCommerce. However can't speak to the product being "high risk". Not sure if they look into all that or not.
Check if platform supports monthly subscriptions. Check if the cost is fixed or cut from the sales and weigh in if it's too hefty for you. Check if you can make payment returns easily. Check if it fits your accounting needs. Check if the API is easy to implement and fits your use case. Check if platforms payment methods are common in your target group.
Also remember to look for alternatives https://www.braintreepayments.com/fi/features/payment-methods
I am also based in Poland and looking for something similar. After discovering that Stripe is not available for Polish companies, I started investigating Braintree (https://www.braintreepayments.com). From what I have learnt so, it has almost all the features that Stripe has and also provides PayPal payments. I haven't set it up yet, but will be working on it over the next few days.
There's also Braintree Marketplace
I investigated using it a couple of years ago at my old job, and it looked pretty decent. I have used normal Braintree payments though and had a very pleasant experience developing for it.
Apparently it integrates with Hyperwallet for payout, which allows you to control the whole user experience for payment and payout without users (buying or selling) having to interact with Braintree or Hyperwallet themselves.
I haven't looked properly at Stripe connect, but it looks like it does what you want too. I have also used regular Stripe payments though, and found it easy to develop for.
Between Stripe and Braintree, from my experience developing, I wouldn't have a particular preference. They're pretty much the same in terms of ease of use and features. The main driver for using Braintree at my old job was pricing, and I assume that's the same reason I use Stripe at my current job.
You will have to sign up for a payment processor like Braintree or Vantivor some such company.
All of these payment processors have an API which you can use to submit payments from your Spring app.
Look at what these APIs offer and integrate into your app. I am sure that all competent payment processors provide ACH (bank account based) payments along with credit and debit cards.
> PayPal offers only one way to use it on your website - via a popup that is called with a button.
You can use BrainTree (by PayPal) for on-site credit card processing.
https://www.braintreepayments.com/
It is a PayPal company that has support for PayPal (obviously), Venmo, Apple/Google/Samsung Pay, regular CC etc.
Pot să explic complexitatea unei operații de bileterie online.
pentru partea de plată electronică, procesatorul de plată și banca își iau părțile lor. Dacă ai volum mare, poți să negociezi comisioanele, dar dacă ești "mystage.ro", ești fix 0. Numai VISA/Mastercard au comision de poate 1%, procesatorul de plăți și banca au și ei comisionale lor. Exemplu: https://www.braintreepayments.com/ro/braintree-pricing?locale=ro
frauda este extrem de răspândită (that's why we can't have nice things) și combaterea ei costă bani. Noi treceam fiecare tranzacție prin 2 parteneri diferiti ca sa luam un scor de frauda.
odată ce vinzi bilete, trebuie să asiguri suport, cineva care sa raspunda manual la telefon/email si sa repare in sistem greselile facute: n-ai idee cate persoane cumpara bilet exact in ziua in care vine soacra in vizita si ei au uitat, si vor sa anuleze biletul si sa primeasca bani inapoi; munca asta manuala e foarte scumpa
o platforma de tipul asta nu are numai partea de tranzactionare; ea face si promovare, SEO pe internet, ca oamenii sa poata sa gaseasca spectacole pe care vrei sa le vezi. asta e iar munca, sa pui chestii pe website, si trimiti newslettere (spam)
in fine, tot sistemul asta trebuie mentinut tot timpul; fiecare furnizor de bilete (cinema, teatru separat) are alt sistem intern, si un distribuitor dezvolta de obicei o integrare unica pentru fiecare furnizor, ca sa poti sa imparti inventarul de bilete corect, sa nu vinzi de doua ori acelasi bilet, etc. asta iar costa o gramada de bani.
Toate astea se aduna. E mult mai ieftin sa pui toate locurile in sala intr-o stiva mare de bilete la 2 ghisee si sa vinzi prin doi casieri. Sa le pui online e mult mai scump.
It looks like you use php, so for your second question I'd recommend checking out Laravel, a php framework that makes developing a breeze, but also supports payments and subscriptions out of the box. It makes it very easy to connect and talk to Stripe or Braintree, two big online payment options. Of course, if you don't want to use Laravel, just check Stripe and Braintree out!
> OK, so if you already knew at the time you posted that chart, that Dell and Valve had stopped accepting Bitcoin in 2017 and that Edeka was only one independent franchise
Moreover, I've included this info directly into the chart.
> it seems very disingenuous to still include these companies in your 2018 listing. They are not "Expected changes in 2018", they had already changed.
The list for 2017 includes them. The list for 2018 will not. Thus, it's indeed expected changes for the 2018 column. I don't understand how it's disingenuous if I'm openly writing about it in the chart.
> Edeka should never have been on your list in the first place.
I think major franchises should be included too, as the growth of acceptance among them is a useful indicator too. I've made a separate category for them to avoid any confusion.
> I just had a look at the Braintree site and don't see Bitcoin as one of their "almost any way to pay" anymore, and can't find any other mention of Bitcoin
Yep, it looks like Braintree dropped it in 2017: https://www.braintreepayments.com/blog/coinbase-private-beta/
Thanks for the hint! I'll exclude them from 2018 in the next version of the chart.
Please feel free to check any other or all companies in the list! If you're not against it, I'll mention your contribution in the credits as a reviewer or any other role at your discretion.
If you're in the US you can use Braintree's Marketplace API:
https://www.braintreepayments.com/en-au/products/braintree-marketplace
If you're in Australia you can use PIN.net.au's recipients and transfers APIs.
I am not sure of your region but I find Braintree in Australia to be nicer
Standard
For newer businesses looking to grow
1.75% + $.30 AUD https://www.braintreepayments.com/en-au/braintree-pricing
You might also check out Braintree. They were offering no fees on your first $50,000 in revenue, but can't find any verbiage on that anymore. It's owned by PayPal so you might be able to take advantage of their micropayment tier.
It appears that, while the $1 account verification charge is still relatively common, within the last decade or so some institutions did institute other methods for verifying a card is active, Visa offers merchants a zero dollar account verification. Mind you, I have no idea how that process accomplished what the $1 process accomplishes.
Edit: I totally forgot why I was bringing this up, merchants who don't appear to do that $1 verification may be utilizing other means to verify.
Ideally, something like Braintree (https://www.braintreepayments.com/en-gb) would be used. However, I assume due to the work needed to actually do that, and that PayPal works for the vast majority, there hasn't been a change. Of course, it's very likely I could be completely wrong.
Long term there's no way to avoid fees. It's simple the cost of doing business. In the short term brain tree is offering a promo where the first 50k you receive is free.
Do you think the chargeback fee of it is too high?
https://www.braintreepayments.com/faq#free-processing
If you incur some chargebacks on braintree, you will have to pay $15. $15 dollars is a big mount of money I guess.
What's more. If hte transaction amount is blow 50K, what's the fee policy then?
In the very beginning I doubt whether I can hit that figure. I think not.
Are you sure you need a paypal account to pay a merchant who implements Braintree?
It seems they offer a form of just credit card: https://www.braintreepayments.com/features/drop-in
And the docs appear to suggest no paypal account is required for paying or creating a customer where you can create your own form w/o the Paypal logo
https://developers.braintreepayments.com/ios+ruby/reference/request/payment-method/create
https://developers.braintreepayments.com/ios+ruby/guides/customers#create
PayPal has nothing against Bitcoin, they actually own a small company for processing alternative payment methods like Bitcoin. PayPal has issues with users running "unlicensed money transmitting" business, They are simply complying with federal regulations so they don't end up facilitating "businesses" like Coin MX.
What a lot of folks lose sight of is Paypal is far more than just a payment service for consumers. Their real business, and the core of their growth, is merchant processing, particularly in the mobile space. Here, Paypal has competitive advantages through its scale and other programs (Bill me later is even more popular with business customers than consumers) that other merchant processors can't touch.
They are able to offer same day processing of payments to their business clients, including on Amex payments. Their merchant fees are difficult if not impossible for other merchant processors to match (pay no attention to their advertised rates... that's only offered to startups and small businesses). And their integration and checkout technology is better by far than anything else out there (see https://www.braintreepayments.com... they handle Uber's payments, along with many others).
Their brand name is built on their P2P and consumer payments systems. Their real business though is in taking a piece of every credit card transaction regardless of whether it says 'Paypal' on the site or not, and in this they are better by far than anyone else.
TL;DR Paypal is well into the process of doing to the merchant processing industry what Netflix is doing to cable.
BrainTree might be the right choice for a custom solution. Pretty good API. I had to switch to them because I needed on the fly pricing adjustments for clients. It looks like it could be what you need.
"In a statement issued Saturday, Fusco said the breach — which is being investigated by Rotterdam police and the U.S. Secret Service — stemmed from one hacker who broke through the software’s firewall security, according to the independent IT company."
Sooo, this implies that the carwash has some sort of online app to run their business, and that app stores unencrypted card numbers and according to the news story has 'firewall security' built into the app? (forehead palm slap).
Most credit card numbers are stolen by unethical retail store clerks and restaurant employees using skimmers or dumpster diving the trash of any merchant.
There are all sorts of rules that merchants are supposed to follow, or else they can (and should) lose their merchant account.
Not sure where you came up with 4.4%+.30 from PayPal. PayPal charges the same rate as the merchant rate for subscription payments.
You can also use the Braintree API for recurring payments for PayPal also. That is the preferred method. See the FAQ section on the Braintree website or the developer docs for more info:
https://www.braintreepayments.com/faq#recurring-billing https://developers.braintreepayments.com
Give Braintree payments a look. Here is a link to the recurring payments page:
https://www.braintreepayments.com/features/recurring-billing
Recurly is another option to look into as well. Link here: https://recurly.com/
If you have any more questions, feel free to PM me.
From what I can see so far it is only available in Payments hub (possibly only in North America).
Though i've been told numerous times actual PayPal integration is on the cards.
Side note: BrainTree's VZero SDK is currently accepting private beta participants for coinbase integration - https://www.braintreepayments.com/blog/coinbase-private-beta - this allows you to transact PayPal, credit cards, BTC, Apple Pay and more
Braintree Drop-In UI:
https://www.braintreepayments.com/features/drop-in
PayPal and credit cards. Mobile and web. Done and done.
And your first $50K in credit card processing is fee free:
https://www.braintreepayments.com/pricing
PM me anyone if you have questions.
My e-commerce site uses Braintree (a Paypal company now). The first $50K in transactions are free, then the fees are 2.9% + $0.30 (USA not sure what it is everywhere else). Great for startups!
Looks normal to me. What were you expecting doing it on your own? paypal, stripe, braintree, etc
With braintree the first 50k of goods is free, but then you are hosting it on your own as well as possibly integrating it (unless you have a shopping cart plugin that works with them). So time is money and all that :)
Braintree does not charge to payout your sub merchants AND they will give you your first $50K in transactions fee free.
I may know a thing or 2 about this. ;-)
>And again, the first generation of financial technology companies (and banks) have taken notice, and one doesn’t have to look far for examples: BBVA acquired Simple in February for $117 million; Braintree acquired Venmo in 2012 for $26 .2 million; PayPal acquired Braintree last September for $800 million; and Intuit acquired Check in May for $360 million.
I just check https://www.braintreepayments.com/ website:
> 2,9% + €,30 per transaction
So, this is a question for PayPal, how much for Bitcoin? HAHAHAHA
TO DA MOON!!
> Also love there is no payment required at end of trip as it's linked to PayPal.
Pedantry time: While PayPal did buy BrainTree a few months ago, Uber actually never used PayPal - they use BrainTree to process credit card transactions.
If you are looking to do recurring / subscription based payments, I'm a big fan of Braintree. Might take some custom dev work to get in integrated, depending on your current platform. How are you handling purchases currently?
Well if you are just starting up, you might plug in the loopholes manually. And once you hit a good scale where this becomes tedious, you can look at switching to a paid service. Best part about Stripe, Braintree or Balanced is you are never locked in with anyone. Oh! Do consider Braintree too, I thought you might find this offer very interesting.
Personally, I like Braintree. It provides funds much faster than Stripe and you can easily send payments through Venmo, as they own them. You can have funds sent right to your bank account as well.
Oh, thanks for the heads up. I've just started looking around but I found one called Braintree(https://www.braintreepayments.com/). I've found some pretty cool apps like uber that have fluid payment systems and they use Braintree.
Are you sure you're phrasing the question correctly? You don't have to use ActiveMerchant for anything. In fact, Braintree has their own gem. ActiveMerchant is just a library that allows you to interact with different gateways in the same manner as you do with any other gateway ActiveMerchant supports.