Ask HN: What payment system are you using? We almost finished our startup and currently we need to choose a payment system, that will be easy to use, have a small commission, easy to implement (have a good and easy API) and can accept credit cards in USA, Europe and if possible Asia (China, Japan). What payment system are you using? What are advantages/disadvantages? Thanks in advance |
I use Authorize.net as a payment gateway for that account [2]. If you do look at merchant account providers, they'll typically set you up with a gateway, you don't need to choose and sign up for one yourself. Just watch that they don't use it as a way to add on more than nominal fees.
To actually hook everything up to my websites, I use Spreedly [3]. They're the best thing to happen to payments in years. Spreedly is a single API for 66 different gateways and payment providers, meaning you code against Spreedly and can switch payment companies any time you want without changing any code. They're also a PCI Level 1 Certified card vault for storing payment information to charge again in the future, for e.g. running a SaaS business.
They offer a pass-thru option where you point the payment form on your website to their URL, and they return the visitor to your page with a token attached that you can then use via their API to make charges, meaning no cardholder data ever touches your servers. That means no on-site PCI audits or any of the other nasty stuff required if you store cards yourself.
The advantage of Chargebee is that you are not dependent on one backend or merchant provider, and can always swap it out for another if you get booted or want to try something else.
Disadvantages: Comparatively expensive.