uk-netmarketing Archive (2011-2015)

Hi Sam,



The payment gateways are much of a muchness these days.     The ‘hosted’
solutions get you out of jail on the PCIDSS compliance considerations, but
be mindful there are things that help a user that you can pass to the
gateway ( and increase conversion) that do not fall under PCIDSS
consideration,  address etc.



What you are looking at is ‘continuous authority’  on the card,   which
lets you repeat bill for the subscription.  Worldpay call this ‘future
pay’, for example.   Secure trading, sagepay etc all have equivalent
services.



The problem with cards is that they expire, and subscription based services
have renewal associated problems with card expiration.   An online direct
debit has no such problem,    so well worth considering for subscriptions
if renewal rate conversion is a consideration and you have a bunch of
individual subscriptions)



Subscription only services (like Recurly) tend to be more expensive over
time.



You’ll need a clearing bank and an online merchant account.    NB
GlobalPayments (formerly HSBC merchant services) have a particularly good
scam at the moment where they charge customers £50 per month PCIDSS ‘fee’
despite their using a hosted PCIDSS compliant service, like Secure
trading,  whilst steadfastly refusing to speak to the payment gateway to
confirm PCIDSS compliance.  They think people will be confused by it, or
think that it is actually necessary, part of the service and that they can
get away with it.  Naughty GlobalPayments.



As a rule of thumb it takes us 3-5 man days to integrate and test a new
payment gateway and hook it up to the account handling part of the site for
a publisher running Blaze  (manage profile / view payments / history /
email alerts etc), and about 1-2 to deploy one we have already done for a
new online subscription based service.



In answer to the charity aspect on the thread  the main consideration (all
things being roughly equal on the integration  / documentation front
between gateways these days) is the charging structure.    Some change a
monthly fee. some a percentage per transaction, and some a combination of
the two.    The difference if you have a small number of large payments,
or a large number of small payments can be considerable and that would be
my main deciding factor.



HTH!



angus





--

Angus Phillipson

Byte9 <http://www.thebyte9.com/>



angus at thebyte9.com

+44 (0) 771 043 8972

+44 (0) 0208 780 6350



*From:* uk-netmarketing-bounces at mm.chinwag.com [mailto:
uk-netmarketing-bounces at mm.chinwag.com] *On Behalf Of *Sam Michel
*Sent:* 27 March 2013 17:01
*To:* uk-netmarketing
*Subject:* Re: [uk-netmarketing] Subscription Payment Providers



Thanks Nabil, looks like a pretty comprehensive solution although more
geared towards hosting/tech services, I can see how it would work though.



One thing I'm trying to avoid is taking responsibility for the secure card
details and PCI-DSS compliance, so wondering whether we might be better off
with the other 3rd party solutions who cover this. Swing'n'roundabouts.



Thanks though, I'll do some more digging with WHCMS.



Toodle Pip

Sam

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On 27 March 2013 11:37, Nabil <nabil at shabka.com> wrote:

Hey Sam,

Guess it depends on what you want to do as well as collect subscriptions.
We've been using a UK provider called whmcs for many years and they are
great  https://www.whmcs.com/.  I believe they can host for you, if not,
let me know and we can install and host it for you if you'd like.  It has
reminders, pdf invoices, promotions, shopping cart, multiple admins (with
different permissions) etc.

Best

Nabil



On 26/03/2013 17:29, Sam Michel wrote:

Hiya all...



Anyone use or have any recommendations for subscription billing tools?



I'm thinking particularly of Spreedly <https://spreedly.com/> and
Recurly<http://recurly.com/>,
but I imagine since I last looked there's a whole bunch of new offerings.
Would appreciated any insight as we're looking at both, but I'm hesitant to
make the tech commitment - there's a fair bit of integration work required
with both.


Toodle Pip

Sam

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Chinwag - http://chinwag.com
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