Payment gateways for small businesses. What do you look for in them? Personally I don’t care – I crave simple pleasures.
I would prefer if a checkout page looks like the rest of the site, but I need for it to be not-obviously-insecure and be compliant with current regs but also it must be less work to implement than the rest of the site was to create. If taking card payments was my core business, I would be in that business. I would prefer to sacrifice a significant chunk of revenue for this usability bonus.
The checklist
I would like a payment API
- To which I can connect with, ideally a .NET Core client, but pure HTTPS is fine.
- Where I can specify what my customer is buying
- I get to know who bought from me (email is all I need)
- Where I can indicate how much they will be charged (so that I can do discounts) – in fairness this is only sometimes missing
- That understands the concept of VAT and can just handle it for me. In the EU, VAT now in some cases has to be declared in the customer’s country. This is the type of faff a Stripe, Paypal et al should handle for me.
- Deal with 3D Secure automagically.
- Deal with PSD2/SCA automagically
Reality
Dodgy simile
Proper guitar amplifiers have a spectrum of volume*. Your exact volume knob indicators may vary, but the segments are universal.
Volume 1 – 4
practically silent,
4-4.8
Audible,
4.9
Decent volume, speakers are operating at reasonable dynamics, you can play. It’s just a bit quiet.
5.0 – 11.0
Massive noise complaints, police arrive.
Cards
From what I can tell, payment gateways operate similarly.
Level 1
You just need a button, and money might appear on your account. Never you mind who paid you for what.
Level 2
You can get to know who paid for what, but you’re SOL on VAT and have to do discounts manually like some schmuck. And webhooks. MOAR webhooks FTW.
Level 3
First you must create the Universe, then you must do 3DSecure manually and do three API calls to just begin to set up the first thing that might eventually become a card transaction.
Resolution
There is none that I can see. Am open to suggestions.
* I am aware attenuators solve this problem, but play along please.