[modi123_1]

http://net.tutsplus....t-cards-online/

A pretty damn helpful break down of how this company Stripe works, and some convincing arguments on why switching to them (versus a merchant account) is a good idea.

If anyone has used stripe let me know.. I am curious how it turns out. Stripe's business model is:

Quote

2.9% + 30 cents per successful charge. No setup fees, no monthly fees, no card storage fees, no hidden costs: you only get charged when you earn money.

From the article:

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The only drawback is that Stripe is currently unavailable outside of the United States. (Note: Stripe DOES accept credit cards from overseas; it’s just that you can’t sign up for a Stripe account outside of the U.S.) They’re working on expanding to other countries.

The rest of this tutorial will detail how to implement Stripe on your website with PHP and Javascript (jQuery). The service also has APIs for Ruby, Python, Java and other platforms. Although it might look like there’s a lot of work ahead, there really isn’t; you’ll be up and running in no time.

[tlhIn`toq]

I'm pretty sure Intuit offers the same/similar type thing for 2.75% and no .30 per transaction fee. They have a web based portal, website API, iPhone app and iPhone card reader

If you don't properly qualify the transaction (AVS etc) then the transaction could be downgraded to a slightly higher fee but that's the case with any processor.

[modi123_1]

Interesting.. I was considering things like paypal and the benefit of Stripe would be to have more complete integration to one's site and not jump to theirs.

So Intuit does website integration? Hmm... I'll have to check it out.

[tlhIn`toq]

As I said "pretty sure".

I don't use the integration: I just do manual credit card processing once in a while on a per-invoice basis. At some point I'll have some actual pre-packed software products that will sell themselves and I'll have to look into this as well.

<HINT> Maybe if you do integrate this into your site you could do a tutorial on how you accomplished it; for the rest of us.

[modi123_1]

Hahaha.. yeah yeah.. work uses a third party service call for our payments, but for the average joe.. we'll see. That'll be a few tutorials down the list.