I have been working with, and implented, both Stripe and Paymill. I agree with the article that the only time you would go with Paymill is simply if Stripe is not yet available (and in those cases you are probably better off with a local competitor).<p>Paymill is just a bad copy of Stripe in regards of technology, customer support, processes etc. One example of this is the ID verification process. Stripe has this automated and it takes minutes to complete. With Paymill we had to send copies of several different ID documents to different people and the process took weeks.
One big difference between the two is that from what I understand is that with Stripe you use a shared merchant account where as with Paymill everyone get's their own. This explains why with Stripe you can be approved in minutes where as Paymill can take up to a few months at times.
The sole advantage Paymill has is that you can make use of it from any EU country. That said my experience with them was horrific. If Stripe continues to expand, I doubt that Paymill will be around in a few years.<p>Instead of the 10 days approval period they advertised I got hit with almost three months. Some of the delay was caused by Wirecard, the bank they work with. I can sort of relate to that. However the significant delays caused by their own contract manager left me baffled. On average her email replies were delayed by 3 to 4 days. Worse the emails were written without much thought. A slow trickle of unhelpful messages that slowly erodes your hopes.<p>Was she overworked? Or in need of training, I don't know. But for certain the future is bleak for Paymill, unless they drastically improve the on-boarding process.
> Both services are providing solid libraries and gems for every major programming platform like Rails or Node.js.<p>Laughed out loud at that one. :-D
I am not sure about Stripe since it is not available in our country (Slovenia), but Paymill doesn't allow processing 3rd party payments. Plus it took them 57 days from the day we sent them paper documents (they travel max 5 days to Germany) to respond that they cannot help us (since we do 3rd party processing). I was not impressed by their customer support and look forward to the day when Stripe will become available.
<a href="https://stripe.com/prohibited_businesses" rel="nofollow">https://stripe.com/prohibited_businesses</a><p>Just have a look at this list, there are enormous markets which are not served at all by stripe.
There is nothing to compare here. One company has a vision and a goal and the ability to execute on those. The other is a clone. They will always be second, they will always follow through, they will not innovate. That's for most clones.
I'm in the process of integrating with Paymill. I can't say much of the service itself yet, but they are trying to help with the registration process, even calling me when needed. I'm optimistic for now.
Paymill is <i>even more</i> expensive than Stripe (as 0.28€ is $0.39), which was already "way too expensive for product whose only value over PayPal seems to be prettier documentation" (especially at the under-$12 price point that most of these digital goods are at, but even at larger points as PayPal will give you bulk pricing on orders-of-magnitude smaller transaction volumes). (I guess maybe with larger transaction ticket pricing the cross-border 1% from PayPal will be higher than the $0.09 fixed-fee different from Paymill? Is that the idea?)
I run a very large adult website and wanted to integrate Stripe as the payment solution for subscriptions but like most payment processors in the United States they refuse to work with adult sites. Ironically PayPal is more accepting than Stripe and DOES work with adult sites (under certain conditions). Stripe on the other hand does not under any circumstances. I know adult websites are taboo, but it's really hard to find a payment solution that is as easy to use as Stripe. Does anyone know if Paymill fills that void?