Web Hosting Talk : Web Hosting Main Forums : Ecommerce Hosting & Discussion : Stripe.com - anybody use it?

[AL-Benjamin]

Fairly easy question but not one with a simple answer I'm sure.

I'm looking at switching to stripe for payment processing but I'm not sure about how it actually works, and if it has any downsides?

Any views?

[localnode]

I believe it's an all-in-one solution, no need for merchant accounts etc.

A downside would be it looks like you have to code your own forms: https://stripe.com/docs/tutorials/forms beyond that I don't think I know of any carts that have Stripe compatibility.

From then, I believe Stripe would process the payment, and then you get paid via a transfer to a bank account.

Something good though, is it charges the same fee for American Express - 2.9% + 30¢

[IGobyTerry]

Never used stripe, but I've been watching them braintreepayments.com, chargify.com to see how their cost structure works out. I'd recommend looking into all 3. Then take which one works best with your business model (fixed vs variable expenses) and also taking into consideration which has integration with your billing software.

[quaffapint]

Problem is you still need to do a separate set of APIs for paypal - Stripe just does credit cards (unless they've since added paypal support).

[sameev29]

Is it hard to integrate their API on any website?

[BrettB]

Originally Posted by sameev29

Is it hard to integrate their API on any website?

Not if you develop in PHP, Python, Ruby, or Java. They provide libraries for these languages and using their API has been easy and fairly flexible.

[sameev29]

Originally Posted by BrettB

Not if you develop in PHP, Python, Ruby, or Java. They provide libraries for these languages and using their API has been easy and fairly flexible.

Can it be done with html or a flash template?

[BrettB]

Originally Posted by sameev29

Can it be done with html or a flash template?

The client-side javascript tokenization (so that the credit card details never hit your server) is implemented in HTML & some very simple javascript. However, you're going to need some kind of server-side implementation as well to process the payment.

[fifty7hosting]

It's important to note that Stripe does NOT pay out on a standard schedule like most merchant solutions.

Stripe pays out on a 7 day rolling basis. So any charges you fire out on the 1st or 31st (depending on when you bill) won't show up in your bank account for 7 days.

The payments industry is on fire with a lot of new solutions hitting the market. Keep an eye out, the more they compete amongst each other the more merchants win.

[FRH Dave]

Stripe definitely has my attention. One of my clients pointed it out to me a few months back. The only hangup I see with it is the lack of solid, vendor-supplied WHMCS integration. There's currently a paid WHMCS module available, but after reading some of the bug reports, I don't think it's quite ready. The thread basically went like this:

User: "There's something wrong with PCI compliance. It's storing credit card data."
Developer: "No it isn't. That's just test data."
User: "I'm pretty sure it's real CC data."
Developer: "No way. Trust me."
User: "Here, I just un-installed WHMCS, wiped all the databases, formatted the drive, and re-installed, and it dumped the CC data back in."
Developer: "Oh yeah lol I fixed that now."

Note that the plugin isn't developed by Stripe, so this isn't any reflection on them. But the nature and tone of the exchange left with me with the impression that I should wait until they've matured a little bit.

Love them or hate them, PayPal makes an outstanding gateway. They're cheap (especially for small merchants), they do instant funding, and their PCI passthrough is solid.

[HNLV]

If you guys want a quick, out-of-the-box solution, which supports stripe without any coding, look at www.roninapp.com

Its sort of like freshbooks but I believe has WAY more important features. Freshbooks is always slow rolling out new important features, they are too busy these days messing around with CSS instead of functionality.

[Donald Kay]

Stripe definitely seems like a good alternative to a merchant account. Though I still don't see them replacing PayPal anytime soon, you'd be better off with both. I like the modern design of Stripe, it has that non-overfilled look I love. The only real downside is the lack of an official WHMCS module. I wouldn't consider Stripe unless either WHMCS releases a module or Stripe releases there own official module.

Good luck.

[--wb----------------]

Official stripe module is needed in WHMCS. Stripe + paypal would be killer. However, I have used stripe on some of out bigger orders for processing credit cards. It worked just fine.

[HiVelocityKB]

I have not heard of them myself, but as I have looked into it it seems not that bad of a solution, and people seem to have good things to say about it.

Good Luck!

[boonodoh]

I've heard good things about Stripe. I think it aims to be the Square of online world. It's still a pretty young company, but the documentation seems pretty good.