Any recommendations on which payment gateway to use? We want to own the entire checkout experience.
I am interested in hearing your experiences :)
[Edit] We are trying to find the root cause of the issue, a processor that allows us to talk to an engineer would be great.
[Edit] Checkout works correctly on test mode, but fails when running payments live. Customers have used their cards on other websites using stripe and transactions went smoothly.
Feel free to try out Square, but I'm going to be transparent in that any issue that you might be having with passing tokens from a front-end to your back-end for payment processing isn't necessarily going to be solved by switching processors.
It sounds like someone else mentioned that you might not be supporting Strong Customer Authentication (SCA). Additionally, just because you got a token and created a customer, doesn't necessitate that a transaction would be successful. There are many other factors that can cause a transaction to fail.
Sometimes the transactions fail for fairly vague reasons sent from the bank, so you'll just have a generic declined message. Your best bet is to attempt to root cause the reason for the failures with your processor. You want to find out if this is only for transactions with a particular bank, credit card network, etc...
If you're unable to root cause the failures with your processor, then that might be your actual reason for switching.
[EDIT] Not going to be linking out here, but you're always welcome to talk to engineers on our team in our community chat channel that is linked throughout our developer docs. Only adding this having seen an edit above regarding a desire to talk to an engineer.
Merchants switching to Adyen from Stripe generally experience increased performance (higher authorization rates, no downtime), and more transparency into what's going on with their transactions. We've put a lot of effort recently into making our APIs and documentation more developer-friendly-- an area where we know Stripe excels.
Feel free to reach out directly if you'd like more info! eric [dot] jacobs [at] adyen [dot] com
On the other side of the coin, as the moment we were working with Adyen it totally sucked during initial phase. It took ages till we started processing because someone on Adyen side said but didn't do, then did but didn't update, etc. I had to escalate issues to Eric :) However once it was sorted out, I couldn't complain at all. Hope you guys managed to get processes run more smoothly now.
The less you see, the better. Being PCI DSS compliant (as soon as you see/store sensitive transaction data) is a pain...
Sorry if I wasn't clear.
As a security consultant and user, I would prefer actually seeing whoever processes my data for a few reasons:
- I know who gets my data; it is not sent to them in the background and one can only find out through legalese (if at all, since "a payment processor" is all you're legally obliged to say)
- Payment data processed by a third party is likely more secure than an average-sized web shop (even if you just proxy it, a hack can impact that but it couldn't impact paypal's security without messing with the URL, which the user could observe (and if you say "but you're a security dude" yeah, but I also teach others to do the same and I've seen companies train their users on the concept of a domain followed by a slash, it isn't hard))
- I know what many of those companies' security reputation is
- And I may know the general reputation of the company, e.g. PayPal has a rich history of issues with both merchants and users so I would rather go back and choose another option if possible
According to stripe logs, a successful transaction has 3 steps: create a token (/v1/tokens), then the customer (/v1/customers) and finally generate the payment (/v1/charges). At the moment, all the transactions are falling when they receive the customer (/v1/customer). I am not sure what's causing the issue, I am requesting to talk to an engineer to get any response other than "talk to your bank" (we have talked to them 4 times already :(
Thanks for giving me the chance to clarify what's going on.
If stripe says it's the bank's fault though, it probably is. We had issues with a lot of payments failing with "no not honor". It was the same with other providers and did turn out to be the banks
Useful info, thanks for sharing! We've also been getting some "do not honors" and have been wondering if we might see better results with other processors.
That reads more like an issue in your stack than with stripe. Has this happened since 3d secure rolled out? Perhaps something with the same site cookie changes? Ca bundle out of date if this is backend passing to stripe?
Without knowing why you are having issues, you're running blind.
I’d take a look at something like https://www.spreedly.com/ or https://www.verygoodsecurity.com/ if you want to avoid lock in with Adyen, etc. Something like VGS can work where you don’t store credit card data but also don’t rely on a single PSP for everything.
We've had good experiences with Braintree, Adyen, Stripe and multiple other payment services for our customers at Shoperb (www.shoperb.com. It does sound like the problem you are facing may be technical implementation related. Have you done a custom implementation or using what Stripe provides out of the box?
To do this comparison, I made a small spreadsheet which could (maybe, or not) help you. Here it is: https://docs.google.com/spreadsheets/d/12-sWEe-gsoGm0kT5LMcM...
Feel free to add comments if you find any issue.
Disclaimer: I work for Shopify (But I also use it for my side hustles)
The biggest benefit is that with the Shopify checkout you can support credit cards, Paypal, Apple Pay, Google Pay, Crypto and more with ONE integration.
You also get discounts codes and logic out of the box (buy one get one, X percentage off, fixed amount off, etc)
And all you have to do is listen to the order completion web hook and do whatever you want on your side.
You can use the JavaScript SDK to send your users to the checkout. https://shopify.github.io/js-buy-sdk/
Hope that helps!
Also, it is fairly easy to build a PCI compliant stripe checkout experience without having to send customers visually to another stripe.
I can help with a quick look if you want to hit me up. Always happy to help. Rc at 44tables dot com
A lot depends on your use case.
Including all third-party fees from card network or paypal
They may give you a better deal if you are making 100k/month, but that was the starting rate last time im checked.
