paymill vs stripe

Paymill or Stripe?Betabeers Madrid 44

Ivan MaederCoderswitch@ivanmaeder

My experience

1 price point (non-recurring)

June 2013

Multiple price points (recurring and non-recurring)

March 2014

$199 $199$99/month$49

/month

What are Paymill and Stripe?

if (paymill == stripe) printf("They work the same way");else printf("They work the same way");

Then why did you change?

Lots of little things that add up

Not all cards available to usCards supported > cards supported in our account

Test OK, live FAILOut of date documentation? No help for four days

Error in APIError case, probably ignored by most people

Unable to debug errorCalled the bank directly

Difficult to test transactions liveBlacklisted cards

Name shown on card statementsMartin Cabrera → Marsin Gabrera Diatb → Codekai

PCI documentationEndlosschleife

Shut up and code

1. Register online2. Download API (back-end)3. Get token via JavaScript (Ajax)4. Take payment (back-end)

1. Register online2. Download API (back-end)3. Get token via JavaScript (Ajax)4. Take payment (back-end)

Paymill StripeC# ✔ Community

Go ✘ Community

Java ✔ ✔

Node.js ✔ ✔

Perl ✘ Community

PHP ✔ ✔

Python ✔ ✔

Ruby ✔ ✔

Paymill StripeAndroid ✔ ✔

iOS ✔ ✔

1. Register online2. Download API (back-end)3. Get token via JavaScript (Ajax)4. Take payment (back-end)

Paymill

<form> <input name="card-number"> <input name="card-expiry"> <input name="card-security-code"></form>

<form> <input name="card-number"> <input name="card-expiry"> <input name="card-security-code"></form>

<form> <input class="card-number"> <input class="card-expiry"> <input class="card-security-code"></form>

<form> <input type="hidden" name="token"> <input class="card-number"> <input class="card-expiry"> <input class="card-security-code"></form>

<script> var PAYMILL_PUBLIC_KEY = "<$= publicKey() ?>";</script>

<script src="https://bridge.paymill.com/"></script>

$('form').submit(function() { ...

if (paymill.validateCardNumber(cardNumber)) { ...

paymill.createToken({ "number": cardNumber, ... "amount_int": 19900, "currency": EUR }, paymillResponseHandler);

return false;});

function paymillResponseHandler(error, result) { if (error) { ... } else { $('input[name="token"]').val(result.token); }

$('form').submit();}

That was Paymill

That was PaymillThis is Sparta Stripe

<script src="https://js.stripe.com/v2/"></script>

<script> Stripe.setPublishableKey("<$= publicKey() ?>");</script>

<form> <input type="hidden" name="token"> <input class="card-number"> <input class="card-expiry"> <input class="card-security-code"></form>

<form> <input type="hidden" name="token"> <input data-stripe="number"> <input data-stripe="exp-month"> <input data-stripe="exp-year"> <input data-stripe="cvc"></form>

$('form').submit(function() { ...

if (Stripe.card.validateCardNumber(cardNumber)) { ...

Stripe.card.createToken($('form'), stripeResponseHandler);

return false;});

function stripeResponseHandler(statusCode, response) { if (statusCode != 200) { ... } else { $('input[name="token"]').val(response.id); }

$('form').submit();}

1. Register online2. Download API (back-end)3. Get token via JavaScript (Ajax)4. Take payment (back-end)

Paymill (PHP)

$obj = new Services_Paymill_Transactions(privateKey(), "https://api.paymill.com/v2/");

$transaction = $obj->create(array("amount" => 19900, "currency" => 'EUR', "token" => $token));

if ($transaction["response_code"] != 20000) { ...}

Stripe (PHP)

Stripe::setApiKey(secretKey());

try { $charge = Stripe_Charge::create(array( "amount" => 19900, "currency" => "eur", "card" => $token ));} catch (Stripe_CardError $e) { ...}

1. Register online2. Download API (back-end)3. Get token via JavaScript (Ajax)4. Take payment (back-end)

$

$

Testing

Recurring payments

$customer = Stripe_Customer::create(array( "card" => $token));

$customer->subscriptions->create(array( "plan" => "MY_PLAN_1"));

Changing subscriptions

$customer = \Stripe_Customer::retrieve($stripe_customer_id);

$subscription = $customer->subscriptions->retrieve($stripe_subscription_id);$subscription->plan = "MY_PLAN_2";$subscription->save();

$invoice = \Stripe_Invoice::create(array( "customer" => $stripe_customer_id));

$invoice->pay();

-$0 -$200-$50-$100

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29 30

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-$100

$200$100/month /month $200

/month

$customer = \Stripe_Customer::retrieve($stripe_customer_id);

$subscription = $customer->subscriptions->retrieve($stripe_subscription_id);$subscription->plan = "MY_PLAN_2";$subscription->save();

$invoice = \Stripe_Invoice::create(array( "customer" => $stripe_customer_id));

$invoice->pay();

$200$100

-$200

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8 9 10 11 12 13 14

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22 23 24 25 26 27 28

29 30

/month /month

1 2 3 4 5

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27 28 29 30 31

-$100 -$50-$100

$200/month

Costs

0.28€ + 2.95%per transaction

+2% for currency exchange

$0.30 + 2.9%per transaction

No additional exchange rate costs for European

currencies

Paymill Stripe

10€ 0.575€ 0.510€

100€ 3.230€ 3.120€

200€ 6.180€ 6.020€

500€ 15.030€ 14.720€

Refunds cost zero

Accepted cards

Paymill StripeVisa ✔ ✔

MasterCard ✔ ✔

American Express ✔ ✔

Diners Club ✔ ✘

Discovery ✔ ✘

China Union Pay ✔ ✘

JCB ✔ ✘

Paymill StripeVisa Electron ✔ ✘

Visa Debit ✔ ✘

Maestro ✔ ✘

MasterCard Debit ✔ ✘

And the winner is…

Paymill Stripe

Features ✔✔ ✔✔

Cards available ✔✔ ✔✔

Price ✔✔ ✔✔

Customer focus ✔✘ ✔✔

Programmability ✔✔ ✔✔

Keep in mind

30% more test casesValidations, error-handling

Data modelMinimum: customers, products, orders

DesignPayment form, A/B test conversion, email design and copy, convey confidence

Terms of useMoney back guarantee, trial periods or free plans, how to handle returns

PricingGood references: “Don’t Just Roll the Dice” and “Camels and Rubber Duckies”

Administration screensFor customers to view payments and download invoices, change cards

Other stuffTaxes, phone support

Questions?

Thank you!

Ivan MaederCoderswitch@ivanmaeder