Preferred Payment Processors

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  2. last week

    Matthew G

    Jan 11 Pre-Release Testers, Xojo Pro Palmerston North, New Zealand

    stripe.com definitely - we use Paypal as well, but people don't like it - they just can't see the "credit card" payment option, think they always have to have a paypal account and associated credit card etc. even though we go to great pains to point out they don't.

    Stripe is much cleaner, faster and cheaper.

    my 2c

  3. anyone use skrill.com ?

  4. Thom M

    Jan 11 Pre-Release Testers Greater Hartford Area, CT

    Definitely had an easier and more pleasant time with Stripe than with PayPal. I think the Stripe user experience is much nicer too.

  5. Bob K

    Jan 11 Pre-Release Testers, Xojo Pro Kansas City

    One client has had very good luck with Payeezy (I wrote this code) and another is using PayJunction (which I did not write). No complaints about either one. Since I didn't pick either one it really is all about how expensive the transactions are. All of them charge something and some charge you if you don't charge *enough* every month or give you a better rate if you charge a lot. Read the fine print of anyone you talk to.

  6. Michel B

    Jan 11 Pre-Release Testers, Xojo Pro

    Business is business, is business. As a seller, I am not entitled to whims and prejudice. If people want to pay with Paypal, and at least in the US they are MANY MANY MANY, I would be downright stupid not to provide it. The user does not have to open an account to pay with it BTW, but if he does, his credit is completely shielded from abuse, which is at least in the US a huge advantage. No more stolen credit card on unknown web sites, and a 60 days money back guarantee.

    I believe if companies like Mac Donald's go with Paypal, there must be a very good business reason. I tend to follow the leaders, They have a sounder decision system.

    On the other hand, if I have enough customers that "hate Paypal", I can offer alternatives. One of them being buying my stuff on Amazon, the MAS or the Windows Store.

  7. 7 days ago

    James M

    Jan 13 South Devon England

    Thanks for all your comments, they have all proved to be really helpful.
    Paddle looks like the way I will probably proceed, due to the extended features it provides namely
    automatic payment of vat in the eu to the relevant country.

    I am developing an app that will include 4 optional modules that will be enabled when the customer signs up for them.
    Customers can sign up for an individual module any combination of modules or all of them to unlock all of the features within the application.

    Would this be possible using Paddle, has anybody developed something similar if so how is this achieved with code within xojo?

  8. Christian S

    Jan 13 Pre-Release Testers, Xojo Pro Germany

    Do you plan to collect postal addresses of clients?
    Than you need to make your own form before sending people to paddle.

  9. James M

    Jan 13 South Devon England

    @Christian Schmitz
    Do you plan to collect postal addresses of clients?
    Than you need to make your own form before sending people to paddle.

    Hi Christian no need to collect addresses from customers.

  10. Christoph D

    Jan 13 Pre-Release Testers, Xojo Pro
    Edited 7 days ago

    @Matthew G they just can't see the "credit card" payment option, think they always have to have a paypal account and associated credit card etc

    This is most used argument customers make for not using PayPal. Also, PayPal can block users and even you as a seller for no apparent reason. It then can take a long time (months) before they unblock your account and have access to your money.
    Anyhow, as I advised before, using a good partner like Paddle who offer multiple ways to pay, will guarantee result in more sales. Mine quadrupled easily. I never looked back again at the time when I only used PayPal.

    EDIT: I took a quick look at my sales made via Paddle for the last year: 41.2% used PayPal, 58,5% credit cards and 0.3% unknown (I think these are coupon codes etc..).
    So here you go ...

  11. Julian S

    Jan 13 Pre-Release Testers, Xojo Pro UK

    In terms of taking cards (not paypal, stick with them, the more options a customer has the more chance of a conversion):

    I spoke to paddle this week and another plus for paddle here in the UK is that they transfer funds to UK banks with no fees.

    I've also been looking at stripe. If you are using paypal already and just need card payment then they might be the way to go.

    I integrated countless customers back when I was doing web 15+ years ago through many payment processors, some of which have since closed or been bought out by worldpay. With worldpay, getting a merchant account will be your biggest hurdle from there integration will be similar to stripe, but again you will get a marginally better % rate with worldpay but you need to go through more work, PCI compliance etc.

    It basically boils down to time vs cost.

    Time to implement vs cost in % for the service.

    Paddle looks super easy to implement but they take a little more % off the top for the trouble of taking care of the vat stuff (not an issue if you're not worries about vat).

    Stripe might take a little longer to implement but you can make it the way you want it and they take a lower %.

    Worldpay takes the most time and you get the best %.

    What it boils down to is do you take the higher % and peace of mind or involve yourself more and get a better/lower %.

    Personally, if you have a low throughput then go with paddle and move to stripe and/or worldpay if you are getting in plenty of sales where it will be worth doing the extra work for that extra 2-4% which might turn into a sizeable chunk of change in the long run.

  12. Christian S

    Jan 13 Pre-Release Testers, Xojo Pro Germany

    Looking on the websites, it looks like Fastspring costs more than Paddle and Share-It?

    Fastspring:

    • 8.9% per transaction is charged with minimum order fee being $0.75
    • You can also pay 5.9% with additional $0.95 per transaction

    Paddle:
    5% + $0.50

    Share-It
    7.9%, minimum 0.90 €
    4.9% plus 0.90 €

  13. 6 days ago

    Julian S

    Jan 13 Pre-Release Testers, Xojo Pro UK
    Edited 6 days ago

    Yeah, thats why I didnt include them :)

    You might get better rates with them if you do more volume. They do offer a nice service though, I just bought Tower through them and it was quite a nice process, so much so I wouldn't have noticed that I was sent off to their site to complete the order if I hadn't have specifically checked.

    One thing that put me off with them though is that they weren't up front about their costs. I could have quite easily signed up for their service without actually seeing a fee, I had to dig into their FAQ to get the info, that didn't inspire me with confidence.

  14. James M

    Jan 14 South Devon England
    Edited 6 days ago

    @Tim Parnell 27 Jul 2016 Pre-Release Testers, Xojo Pro
    Don't use the Paddle framework. There is a drag-and-drop Paddle keygen out there. It's not even a crack, it generates keys that validate perfectly. It works with anything using the Paddle.framework for keys.

    Ouch any one know if this is still an issue as I wouldn't have a clue as to how to proceed without using paddle's framework :-(

  15. Julian S

    Jan 14 Pre-Release Testers, Xojo Pro UK

    In its simplest form you just open a web page here:

    https://checkout.paddle.com/checkout/product/{product_id}

    provide it with a product ID that you set up through their system and away you go.

    You can then use a webhook

    https://paddle.com/docs/reference-using-webhooks

    to get a response to the transaction and deal with it how you wish, fire off an email or whatever.

  16. Christoph D

    Jan 14 Pre-Release Testers, Xojo Pro

    @James M Ouch any one know if this is still an issue as I wouldn't have a clue as to how to proceed without using paddle's framework :-(

    I don't use the Paddle framework but my own PHP script. Works fine and easy to setup at Paddle.

  17. Christoph D

    Jan 14 Pre-Release Testers, Xojo Pro

    @Julian S I spoke to paddle this week and another plus for paddle here in the UK is that they transfer funds to UK banks with no fees.

    A transfer to a Belgium bank also has no fees. :)
    Paddle is great. :-)

  18. 5 days ago

    Tim P

    Jan 14 Pre-Release Testers, Xojo Pro

    @James M Ouch any one know if this is still an issue as I wouldn't have a clue as to how to proceed without using paddle's framework :-(

    You don’t have to use Paddle’s DRM framework in your app, they offer it as a perk though. If you’re using Paddle as a payment processor and handling DRM yourself you will be fine.

  19. Sam R

    Jan 14 Pre-Release Testers, Xojo Pro Hengchun, Pingtung, Taiwan

    @James M Would this be possible using Paddle, has anybody developed something similar if so how is this achieved with code within xojo?

    Yes it's possible.

    Process.
    1. Customer clicks a button to purchase an item within your product, yo show them a window with a HTMLViewer embedded that displays a purchase for from Paddle. When the purchase goes through, paddle will redirect the HTMLViewer to an URL of your choice, you can capture that URL and then unlock your functionality.

    2. Use serial numbers, start the same as above, but have Paddle e-mail the customer a serial number. Customer then inputs the serial number and it unlocks the functionality.

  20. Dave S

    Jan 14 San Diego, California USA

    I have been using Paypal as payment processor for years with no issues at all.
    I think they charge 3%+30cents
    and transfers to you bank account is free (unless you want a physcial check)
    and transfers to another Paypal account is also free.. I found this out when I had to give some money to my niece.

  21. Markus W

    Jan 14 Pre-Release Testers, Xojo Pro #JeSuisHuman Europe (Germany)...

    @Dave S and transfers to another Paypal account is also free.. I found this out when I had to give some money to my niece.

    Only sending money to friends and family is free, not payments. And they have been cracking down lately on people abusing this system.

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