The reason for processing on your own server is so you own the entire checkout experience. If you redirect he user to another site for payment, you run the risk of losing track of that user. Also, the third-party’s branding may clash with your own.

Best way to integrate with stripe is to use their checkout button to get a token instead of receiving CC info directly.

Iirc, still need to use backend code to do the actual charge, but at least you never see any sensitive info.

Not sure I follow - you mentioned not handling browser compatibility which implies you're not directly writing the html/css for the site. If you're using shopify or hosted wordpress or something, I would think most of those providers would handle the Stripe integration for you?

You also mention a passive web page, if you're talking about a static site (as in a jekyll or hugo site hosted on S3), you may be right. I don't fully understand how that might work since if you're accepting payment for a service, presumably you also need to keep state somewhere to track the delivery of that service to users and such. But if you did want to accept Stripe on a static site, I would think you could use Lambda functions in AWS to handle the callbacks without worrying about the maintenance costs and security risks of running your own linux server.

Wouldn't small time eBay sellers just use whatever payment processor eBay integrates with? (there's no need for them to host any part of the payment process since the transaction is conducted entirely on eBay). Reasons to not use the default processor would be : transaction cost.

You might want to take a look at https://www.everbutton.com/. It basically wraps Stripe’s API so you can drop front end JavaScript without any backend code. Much more customizable than PayPal with all of Stripe’s benefits.

I think the idea is that eBay doesn't want to have users sign up with Paypal anymore. Instead only ever interact with eBay, with Adyen just being the pipes for eBay.

Adyen actually provides this too, it's called Hosted Payment Pages (HPP)[1] and it's difficult to find because the documentation structure is abysmal.

There's a shared secret you can use to verify the payment when they callback to you after payment, and their HPP is skinnable.

[1] https://docs.adyen.com/developers/api-reference/hosted-payme...

i agree it's actually kind of bad that payment providers don't provide this page. todays technology could even render it on the webpage of the customer shop without redirecting fully to another page (scrpt scr=paymentproviderscript.bla? or so?). If people have to maintain and host their own script it makes them horrible prone to attack. In which case i'd rather have a payment provider who needs to secure it than every customer of the payment provider (reduces attack surface). i think paypal does good by providing this passive system and other providers should follow it, and perhaps if it's not to their liking innovate in this line instead of dumping their issues to the customer shop.

Most third-party payment gateways I've worked with are like this.

They usually offer some kind of "pay links" or something similar.

How's visa checkout? War under the impression that it was a direct PayPal competitor.

Does Stripe Checkout not fit the bill?

https://stripe.com/checkout

Stripe checkout does this

(I work at Stripe.)

Glad to hear on the developer friendliness! If there are ways we can continue to improve on that front, please shoot me a note: lachy@stripe.com

I'm curious though what you mean when you say Adyen is much more "bare metal" than Stripe. We don't typically talk too much publicly about our underlying infrastructure (our goal is to abstract away that [hopefully] unnecessary complexity), but we do strive to be as close to the bare metal as possible. (We're directly connected to all of the major card brands, and have "acquiring licenses" in numerous markets.)

as a buyer I never worry about purchases I make on ebay. I use paypal to send the money but other than that paypal is not in the picture. if I have a dispute with a seller ebay refunds me if I prove my case.

I was just recently refunded over five hundred dollars for a purchase made on ebay because the seller never had the item to sell. Now I had to wait until the last day of delivery passed and wait the "resolve with seller first" delay which is only three days I think. In the end ebay refunded me.

This is not to say ebay is perfect, they don't require sellers to provide tracking through ebay and they should. they should require it within three business days or allow a refund. In my case the fraudulent seller never provided tracking information even though I made three requests

PayPal is the whole reason I stopped selling on eBay 15 or so years ago.

I use PayPal as a buyer, I would NEVER use them as a seller.

Are you saying that to process recurring fees on Stripe (as so many startups do) that you need this reserve?

Wouldn’t they simply require a reserve that is proportional to the amount you’re charging for the recurring payment?

Also, when talking to them they were stuck on requiring photos of a passport as a requirement for the recipient of the payment if I remember right. In the U.S. That's a non-starter as many people don't have passports and even if they did wouldn't be used to providing them in a business setting, so we ultimately passed.

I doubt Adyen is well known among North Americans either (the first market being rolled out for ebay). Ayden is used by Uber and Netflix and some other big names but that's mostly hidden in the background as they are integrated directly into the platforms. Unlike Paypal which has an obvious branded layer for all transactional layers.

I'm curious what the integration with Ebay will look like. Will users be redirected to their Ayden accounts ala Paypal or will it be branded via Ebay?

My previous employer in SEAsia is using Adyen, with majority customer in Europe and Aus/NZ. Hundred thousands of customer. I've never heard of Adyen before joining this company, but my experience with them has been positive. Not Stripe good, but at least on par with other modern payment processor.

Major upside for Adyen is they price match(at least for my company, we process USD ~350mil/annum). This may sounds crazy but my company constantly negotiate the pricing with them. Almost on monthly basis.

I knew this because my team have to work with lots of local and China-based payment processor to create PoC. Just so that corporate team can show this to Adyen and renegotiate the fee.

Never heard of Adyen here in Europe either… But from their website it seems they handle payments for some pretty well-known companies: https://www.adyen.com/customers

When I used Braintree a few years ago, before it was acquired by PayPal and before Stripe launched in the UK, Adyen handled Braintree's merchant accounts (in Europe, at least). I'd never heard of them before (or since). I remember the signup/KYC process as being a massive pain, as we needed to do KYC with Adyen as well as Braintree. It took weeks. A few years later when Stripe launched in the UK I was totally blown away by how simple and quick it was to sign up.

I have heard of it as it's a Dutch company and I am Dutch. They are doing really well in the sense of having many payment methods, as in Europe every country prefers a different method. The CEO has a lot of experience in payment integrations and financial transactions, even before starting Adyen. Furthermore, in the Netherlands they are also rolling out payment machines that are cheap and support many payment options (also think about Apple Pay etc).

(I work at Adyen) - Adyen has an office and acquiring license in Australia, offers EFTPOS, and works with Kogan, Showpo, Freelancer.com, and others.

We use Adyen at Kogan. They definitely have some staff here and some in Singapore I believe.

I hadn't heard of them until I moved to the Netherlands and only became aware of them because buying e.g. cinema tickets flashed up on my phone as a payment to Adyen rather than Pathe.

Since Uber and Netflix are using Ayden in the background I am guessing they can handle global payments. Most of us never knew what payment provider did these companies use so far.

I only live a couple of km away from Ayden and this is the first time I've heard of this company.

Yes. The Masters of the Universe decided that there was "value to be unlocked" by spinning off PayPal. Or at least...someone's spreadsheet said there was value to be unlocked..

I remembered that eBay spun off PayPal, but I thought PayPal still owned x.com. But after checking, it looks like Elon Musk held onto that domain before selling his steak in PayPal.

Heh, I felt PayPal has been playing catch up for years now.

Cocky maybe, certainly not stagnant.

And very pushy about having me open an account with them just because i want to buy something.

It has reached the point that i think twice about doing business if the store only offer Paypal.

I quit eBay (and failed to get back to a comparable experience, unfortunately) the day (years ago) that they stopped allowing people to sell and specify payment options that didn't have the extra Paypal fee. Forcing everyone to use Paypal and pay the fee was obviously corrupt.

It is not that way in oz, it was ruled illegal.

Longtime Stripe user and did about a year long stint with Adyen. Stripe beats Adyen on ease of integration, ease of using the back office, chargebacks, etc hands down.

Adyen had a better story for omni-channel commerce with card present, but they made us integrate with COM. COM! Apparently they have card present readers coming out that allow you to send some JSON.

In the end after hundreds of hours invested in it, we ditched Adyen. We did have it running in production, BTW. Their pricing was not any cheaper than we got from stripe with interchange plus.

Generally, Adyen is cheaper than Stripe but Stripe is easier to integrate. When considering moving from Stripe to Adyen, It comes down to a equation of dev cost/resources to integrate to Adyen compared to the amount of reduced fees/increase auth rates.

The more volume you process, the more a switch makes sense. and this difference of mentality is reflected by the fact Adyen has minimum monthly invoices when Stripe does not.

I implemented it for a company I was consulting for. I liked it. Their integration was not as terrible as many here make it seem. What I liked is that it allowed us to offer every payment option under the sun, including "native" options for the European market my customer is operating in (i.e. "iDEAL" for the Netherlands, "Sofort-Überweisung" for Germany, etc).

Adyen will be better if you have more consumer cards vs. business cards being charged. Nearly 100% chance of this, otherwise Stripe may win.