As a digital vendor who lives outside the US, I don't want to be at the mercy of PayPal's psychotic mood swings. What alternatives are out there to process payments and accept payouts from gumroad, paddle, Leanpub etc?
I recommend Fastspring (<a href="http://www.fastspring.com" rel="nofollow">http://www.fastspring.com</a>). Yes, it's more expensive than others but it has a lot of features that make it worth it.
The main selling point for us was that essential you sell your product wholesale to Fastspring and they become the seller. This makes accounting and taxes much easier, especially for EU customers.
For European businesses Paymill might be an alternative. It works pretty much exactly the same as Stripe, just available in more/different countries.<p><a href="http://www.paymill.com" rel="nofollow">http://www.paymill.com</a>
Hey, I'm the CEO at Paddle.com (mentioned in your initial post). Wondering what we can be doing to make withdrawing your Paddle earnings easier. We opperate in a very similar way to Fastspring - in that you sell your products wholesale to us and we become the merchant of record (and it seems you're already familiar with us).<p>Would love to see how we can help you out (we're a little cheaper than FS too if that's a deciding factor for you).
You are welcome to try out our service, <a href="https://www.bizify.me" rel="nofollow">https://www.bizify.me</a><p>We have higher fees then PayPal but we also support payment by mobile phone (SMS) in a lot of countries and of course also payment by credit card.<p>You can read more about our service here: <a href="https://www.bizify.me/hacker-news/" rel="nofollow">https://www.bizify.me/hacker-news/</a><p>If you would like to try out our service, just contact us and we'll give you a great rate if your products are "normal" products. Adult related content is a little higher risk so we can't give you as good rate on adult as we can on "normal" products.<p>PS: You can check out our WordPress plugin if you are running a WordPress blog: <a href="https://wordpress.org/plugins/bizifyme/" rel="nofollow">https://wordpress.org/plugins/bizifyme/</a>
We use Paypal, Stripe, GoCardless (UK only I think), and Bitpay.<p>Although we are obviously aware of Paypal's mood swings, we haven't been the victim of any. So far all of the above have worked well for us. They've all been easy to integrate.
Great question! I recently launched a startup where we ended up using Paypal because we simply couldn't find any good alternatives. It is a huge drawback from our point of view and we really want an alternative. There just doesn't seem to be one.<p>We wanted to set up a payment flow where a consumer would transfer the money to us, and after the delivery of the product we would transfer it to the seller. Strripe offers something that can accomodate this flow, but not internationally. It is only available in the US.<p>There seems to be a huge gap in the market here. Is there something missing from my exploration of alternatives?
For the folks over in the Middle East, there's <a href="https://whitepayments.com/" rel="nofollow">https://whitepayments.com/</a><p>(As if the guy on the front page didn't give it away)
Cleverbridge <a href="https://www.cleverbridge.com" rel="nofollow">https://www.cleverbridge.com</a> is great and works well with International and American users.
(EU-based freelancer and SaaS builder here). I can warmly recommend <a href="https://www.recurly.com" rel="nofollow">https://www.recurly.com</a>, which I use to handle recurring billing on a number of projects (my own SaaS <a href="https://www.wisecashhq.com" rel="nofollow">https://www.wisecashhq.com</a>, but also client projects such as <a href="https://www.boxcar.io/developer" rel="nofollow">https://www.boxcar.io/developer</a> and <a href="https://www.process-one.net/en/ejabberd/saas/" rel="nofollow">https://www.process-one.net/en/ejabberd/saas/</a>).<p>It can be used together with Stripe as a gateway (much recommended, the setup is much faster than on other gateways), and provides a full-featured setup with PCI SAQ A, VAT handling, PDF invoices, coupons, dunning etc.
Nationally many countries have their own local market leader. In the Netherlands, iDeal is the most popular (and the most user friendly of those I've tried). <a href="http://www.ideal.nl" rel="nofollow">http://www.ideal.nl</a><p>For moving money internationally and between currencies there is TransferWise, which I personally mainly use for c2c payment but they also support business accounts and I've used it to pay companies on occasion too.<p>With a TransferWise invite link you can transfer up to £3000 (over $4.5k) for free, here's mine: <a href="https://transferwise.com/u/5d78" rel="nofollow">https://transferwise.com/u/5d78</a><p>Where I work we use mangopay, which is specifically for marketplaces. <a href="http://www.mangopay.com" rel="nofollow">http://www.mangopay.com</a>
If you're in Europe, give a try to <a href="https://klarna.com" rel="nofollow">https://klarna.com</a>. It's more than a payment processor, and can help you a lot!
Disclaimer: klarna employee.
In europe <a href="https://www.hipay.com/" rel="nofollow">https://www.hipay.com/</a> was cleary easier to set up then something more popular, like ogone, and had much better prices for us
What are you selling?<p>I'd say Stripe, but it depends what you're selling: <a href="https://stripe.com/us/prohibited-businesses" rel="nofollow">https://stripe.com/us/prohibited-businesses</a><p>If what you're selling in any way touches any of the things on that list, then you should get your own merchant account and handle it directly. It's messy, it's work you don't want to do, but the list of prohibited businesses put on you by your bank is much shorter than the list put on you by Stripe, PayPal, etc.
I run a Sweden based payment service called <a href="https://www.mondido.com" rel="nofollow">https://www.mondido.com</a>, with support for cards and subscriptions.
I sell downloadable software.<p>I have tried shareit, bluesnap and avangate.<p>Avangate checkout flow peformed best.<p>I am currently working on switching to cleverbridge, ping me if you want stats on them when I have switched.
I can recommend BMTMicro: <a href="http://www.bmtmicro.com/" rel="nofollow">http://www.bmtmicro.com/</a>
Payment processor with the best support I had so far. Supports nearly every payment type and does all the nasty stuff for you (invoices, recharges, customer support etc)
I have a SaaS that processes payments with PayPal since 2011 and I never had a single problem. I know about the horror stories, frozen accounts and whatnot, but maybe it's also worth considering where your opinion comes from.<p>I also use Stripe and accept wire transfers.
2CO/2Checkout works great for me. You can withdraw your funds either via wire transfer or a Mastercard debit card issued by Payoneer.com<p>Have used them for 7 years without issue.
Bluesnap.com (Supports 180 Countries, 110 Payment Types, 60 Currencies & 29 Languages) - Dont know why no one has matched the features offered by this service ...<p>paywithatweet.com (pay with twitter)<p>chargebee.com<p>adyen.com<p>afex.com<p>securetrading.com<p>credorax.com<p>ccavenue.com<p>moneybookers.com<p>2checkout.com<p>chargebee.com<p>For India (stricter rules of double authentication:<p>payzippy.com<p>paytm.com<p>zaakpay.com<p>citruspay.com<p>payupaisa.com<p>indiapay.com<p>payu.in
If you can use stripe, that should be your first choice.<p>Failing that, 2Checkout and <a href="http://www.fastspring.com/" rel="nofollow">http://www.fastspring.com/</a> are really good and 2Checkout works in many countries.<p>The other option would be to just get your own merchant account and use something like WorldPay