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People buy stuff on my site through PayPal or payment card. I need to refund some clients now but I don't have their payment/card/bank details that I could use to do so.
Considering that not storing payment details is common and refunding people is also common, what is the usual solution to deal with this situation?
Presumably you have the original order details stored, so you'll have their name, transaction reference, payment method, etc. For PayPal payments, you can issue a refund directly from your PayPal account - just cross reference the order details you have with those stored in PayPal.
For other card payments, what payment processor do you use? All the main processors have refund functionality built into their APIs. In my experience, the payment processor (who is PCI compliant) stores the card details and provides you with a unique token that identifies that card. You then communicate with them using that token, so any payments or refunds can be processed on the right card.
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I was wondering what is the best practice to refund a charge that was only made for verification. Lets assume a customer updates his/her card while having an active subscription. To make sure a charge can be made to that new card, I create a small charge of 50 cent.
Of course, the customer will get these 50 cents back. Right now, I start the refund about a second after I made that charge.
I was wondering if that is the best practice. I know a bunch of companies do that, but the refund usually appears about 1-5 days later, not right after making the payment. Is this common, or should I use a cronjob to refund a day later or so? I was just wondering if there is any potential downside of refunding right away.
You should not be making these charges at all, so best practices about refunding them are moot.
Instead, you should use Setup Intents to collect card details for later payments, including 3D Secure authentication if required.
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It's a common feature for payment providers to have a medium to store card details(which returns a reference you can always use to charge a card).
We plan on leveraging multiple payment providers, considering that our product is used by various regions (both to support the locally available cards and alongside maintain low payment charges incurred by the customer, based on their location).
Now the challenge is that each time we integrate a new payment provider, it'll require that we replicate/store all of our existing users' card details (already stored on other payment providers we leverage on) on the new provider we'll be integrating with.
Knowing fully well that:
We don't store users' card
Previously integrated payment providers don't return complete card details (just reference).
Payment providers cannot allow transferring card details to another provider.
I'm hereby seeking an alternative solution (that doesn't require storing card).
I saw something close to what we could rely on(https://www.spreedly.com/). Are there also alternatives to this?
If you want to do this, your only options are to use a vaulting product like Spreedly or become PCI certified yourself - and using a vaulting product is going to be a lot easier to deal with than the PCI certification you'll need to store the cards yourself.
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I'm trying to set up a form of payment on HubSpot. My client selected stripe before I was on board and I've been spending backend of last week and this morning trying to integrate the two.
I've come to realise that HubSpot doesn't support server-side languages making it impossible to setup stripe on its own. I was also told that Zapier was going to make the integration between form submission to database for us. After a few emails with Zapier, I was told that isn't what their service does.
I've done a lot of searching on google but haven't found anything very fruitful. I was hoping someone with more experience in HubSpot would be able to direct me to a solution to set up Stripe or another product that would be useful to applying a payment form submission on HubSpot.
Unfortunately, you would need a plugin developed for HubSpot that built out a Stripe payment flow. There is no way to accept payments through Stripe that doesn't use a server-side language. You may be able to tie into a third-party service like CommencePayments (https://commencepayments.com/), but I'm not sure even that would work.
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I'm putting together a small start up company which will be set up with a subscription based billing model. The bill will go to customers on either a monthly or quarterly basis depending on the end user's preference. My question is two parted:
I'm new to online billing and I'm only really aware of Pay Pal when it comes to third party bill payment, but this seems more like a check out system. I'm sure there are better alternatives than PayPal for third party billing processors (I have tried Googling for them, but I'm having trouble finding exactly what I'm looking for). What options (companies) are available for third party payment processing and what types of experiences (good or bad) have you had with them?
We would like to give our customers the ability to set up recurring payments. I'd rather not store a customer's credit card number on our database as I imagine there are a plethora of compliance guidelines around this. Is there a third party solution for recurring payment processing?
On a side note, this is not necessarily a code related question and is more business focused. I wasn't sure if there was a better route for posting this question, and please commont or modify this if there is another route I should take.
You can also look into Amazon Flexible Payment System. I implemented this for a customer and the API, at least, was very easy to work with, and Amazon seems solid and trustworthy as near as I have been able to tell.
Take a look at http://chargify.com/
There are many business out there that will fit the bill. Be sure to look for a solution that believes in Credit Card Data Portability - which means that they'll transfer your credit card data to another vendor should you want to leave them in the future.
You have many, many options. Take a look at Recurly (where I work), Chargify, Stripe, CheddarGetter, Authorize.net's ARB, PayPal's recurring billing, Braintree, etc.
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Amazon Flexible Payments Service seems like the perfect service. It is exactly what we're looking for.
Unfortunately, since we are not based in US (based in UK instead) it is not available to us.
I was wondering if anyone knew of a similar service which we can use?
We would like to sell products in both US Dollars and GB Pounds.
We need to add payment for a usage based service. The payment is similar to Amazon S3 where the customer is charged $0.1 (or similar) for every usage.
We would prefer a prepaid service. The very first time customer signs up they are charged $5 and credited that amount. They use the service until the $5 is used up. The customer should then automatically be charged another $5 to add to prepaid credit.
Or something similar would be good.
Any ideas?
I have been in contact with the FPS team and they tell me a US company is not required. But you must have a US address, bank account and credit card. With a global bank such as HSBC this may well be possible. We are currently attempting to do this, and I will be happy to keep you updated with our progress.
Damien.
PayPal wouldn't work for you?