I'm working on an app that, as one component, accesses the imgur API. I'm trying to work out if it is considered "Commercial" based on three separate possible models. As you can understand, as the sole developer, I'm just a hobby programmer and I want to know if I can build this without a heavy monthly bill from imgur.
From the imgur API doc page;
Your application is commercial if you're making any money with it (which includes in-app advertising), if you plan on making any money with it, or if it belongs to a commercial organization.
What does that mean in these scenarios:
If I'm building an application that as a component of it uses the imgur API, that is not paid for, does not have any ongoing costs, but has a Patreon/GoFundMe/KoFi account attached to it to support development, is that considered "Commercial" here?
If I build the app, but charge a flat $5 for it, and no advertisement/in-app-purchases, is this considered commercial?
If I build the app, do not charge for it, do not post ads, but accept one-off donations towards developmnent, is this considered commercial as per the above?
If I'm building an application that as a component of it uses the
imgur API, that is not paid for, does not have any ongoing costs, but
has a Patreon/GoFundMe/KoFi account attached to it to support
development, is that considered "Commercial" here?
Possibly. Donations can very well be considered a source of income. In addition, you need to look at the second part of the Imgur ToS that you quoted:
plan on making any money with it, or if it belongs to a commercial
organization.
Will the app remain free forever after a limited period of development?
If I build the app,
but charge a flat $5 for it, and no advertisement/in-app-purchases, is
this considered commercial?
Yes, this can be considered commercial. Because you're charging money for the app.
If I build the app, do not charge for it,
do not post ads, but accept one-off donations towards developmnent, is
this considered commercial as per the above?
This is very similar to the first scenario.
The important thing to understand is that there is a great deal of latitude in enforcing the ToS. This is both to ensure the convenience of users, and also to ensure that Imgur's services aren't abused. One of the statements in their ToS states something to the effect of "Don't use us as your CDN". It would seem that is what you're thinking of doing. Unless your app is for a demonstrably social/charitable purpose like curing cancer or world hunger, Imgur might just as well choose to enforce the ToS. Don't risk it. Go for a paid service (Imgur's or another).
To be really sure, one can directly contact Imgur with a link to the app and check with them.
I'm looking for some feedback from entrepreneurs or developers that have used either Chargify or Recurly to handle their recurring billing.
More specifically, I sell a hardware device that works in unison with a companion application and charge a subscription for the functionality of the companion application. I sell both b2b and b2c. Thus, I need a recurring billing platform that can handle a single unit purchase as well as a 10-20k wholesale purchase and be able to track quantities sold. I've noticed Chargify lacks the ability for me to track quantity. Further, we have highly targeted, customized landing pages on HubSpot and would need the two platforms to integrate nicely.
Has anybody had experience with either of these platforms? What do you like and dislike about the functionality and capabilities? Which do you recommend based off what I would need it to accomplish? Alternatively, is there a different platform that you would recommend?
Regarding "I've noticed Chargify lacks the ability for me to track quantity." - Chargify is able to handle this with what they call "components." Your use case is very common and definitely doable via Chargify.
what are the best security features (settings,modules) provided by drupal according to credit card transaction?. Do you have any additional prevention techniques .If possible post important and necessary setting points also please.
Most importantly, don't handle the CC data at all. There are several payment processors which provide a payment API and handle the CC processing for you. That way, you don't need to worry about PCI DSS or about escaped CC#s (and the resulting PR brouhaha) when your database is compromised.
(it may seem I'm dodging the question here, but every time we've done a calculation of costs in process cards ourselves/have a processor do it, the roll-your-own approach would bring high initial costs and considerably higher maintenance costs, plus higher risks. OTOH, payment processor will cost you something, but takes this risk+PCI DSS off you)
If you want to handle credit cards transactions with drupal or any other technology you need to comply to the Payment Card Industry Data Security Standard (PCI DSS).
I agree with Piskvor. If you're not 100% sure what you're doing, I think you're better off using existing code that has been tried and tested by the community. Have a look at Pay module.
I'm working on a project where we collect payments from users using credit/debit/PayPal payments.
The service is taking payments from users on behalf of a 3rd party organisation.
Once we take the payment, minus fees, we want to transfer the amount to the organisations bank account.
For now, what we can do is pay the organisation using Online Banking BACS bank transfer.
But I would like to know if there is a way to do this automatically using an API.
If we need to somehow register the 3rd parties bank account details before making transfers, this is fine.
We just want to automate the whole process, since at the moment the transfer is a manual step.
Are there any gateways or APIs I can use for this? In the UK?
As this is still un-answered I'll throw my hat into the ring.
For the benefit of non-UK users, the UK has a central clearing system called Bacs, which is run by the major banks in the country. However, companies can also makes submissions directly to that clearing system, by using Bacs Software.
There are a number of companies that sell on-premise and online services/APIs that allow you to send money directly via Bacs (and collect Direct Debits).
DISCLAIMER: I currently work for a software company (Bottomline Technologies) which sells a Bacs API - I won't mention the product name and to see alternative companies you can simply Google for 'bacs software api'
Hope this helps
You are going in the wrong direction. You should talk to payment processors (which may or may not include your bank) about the business considerations, which probably are more important than the technological considerations. Generally you can expect something somewhat reasonable that you will (after fiddling with it enough) be able to convince to work. It doesn't matter whether this involves some sort of api library, soap calls, or other communication method.
If you honestly consider having the technological considerations more important than the business considerations, then just go with Paypal and don't write your own shopping cart stuff at all. This is easier to use and will do more of the heavy lifting for you, but which will also probably charge you more.
Once you create a real shopping cart and start handling payments yourself (i.e. taking in CC information and sending it to a payment processor), you start getting into a mess of legal and technical concerns involving PCI compliance and the like, which will apply regardless of your choice of payment processor*.
*This is US-specific, but I bet the UK has something similar.
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Should be available to non-U.S. companies, easy to setup, reliable, cheap, customizable, etc. What are your experiences?
You can't really answer this kind of question with a "I like 'insert provide name here'" type answer because like so many things it is a balance and the reasons for choosing a payment processing solution tend to be complex.
Volume / Value
The most important factor in choosing a secure payment clearance service (the people who will connect to the banking networks and clear the money for you - will refer to them as SPCS) is how many widgets will you be selling at what cost. The pricing models of all the SCPS providers is based around this equation. This dictates the economics of using the service, which is nearly always the most important factor.
For example, in the UK securetrading.net have a large annual fee and high minimum transaction values (been a while since I've seen the exact numbers and they don't make it immediately obvious on the site, but this is for illustration only anyway) making it one of the most expensive solutions to use if you are selling high value low volume. Most smaller clients will fall into this model. High value is really anything over a couple of dollars. Low volume is typically anything less than tens of thousands of units per month. However, if you are running a donations service in the aftermath of an international environmental disaster (relatively low value very high volume) then they become one of the cheapest.
Factor in to this the setup costs (relatively high), and the cost to tie the service into the site (in SecureTrading's case it's very easy to do, but still a lot harder than adding a PayPal button) and you start to build up a true picture.
On the flip side, a service such as PayPal has very low setup costs (no fee to pay, and trivially easy to integrate), but relatively high transaction costs. It is great for high value / low volume transactions.
The Bank
There are two main categories of payment clearance service - Bureau and Bank Acquired.
In the UK at least NetBanx, SecureTrading and WorldPay offer both bank acquired and bureau services. ProtX and SecPay offer only bank acquired services. PayPal and its ilk operates slightly outside both definitions (see Protection below).
A Bank Acquired service plumbs into your normal banking merchant account and clears the funds straight into it. As well as charging you for this service, your bank will also take a slice, typically this is more than the SPCS provider will charge and so it actually is the bank that becomes the deciding factor.
Some banks will only work with their preferred provider. In the UK, most banks want you to have a separate Internet Merchant Account even if you already have a Merchant Account with them.
I always tell clients to shop around, as this will make a huge difference to how much their e-commerce venture can bring in. All banks are not created equal.
Bureau services effectively act as your bank at the same time as providing the clearance service. They were popular in a time when banks hadn't grasped the concept of the Internet and would prefer transactions be chiseled into stone tablets if they got their way. Often the choice between a bureau service and a bank acquired service is made for you based on circumstances.
Trading History
In many countries (including the UK), most banks won't give you a merchant account until you have been trading for a particular period of time (2 years in the UK). Your only option is then a bureau service.
Cash flow
Most bureau services will hold onto your cash as security against "charge backs".
If you sell me a Ferrari and I am horrified to learn that you've sold me a small metal toy rather than the 1.5 tonnes of Italian automotive passion I was expecting, I will complain to my credit card company who will refund me and then chase your merchant services provider for a refund. They will have to give them the refund and then chase you for the money.
It's therefore in their interests to hold on to your money for a period of 4-6 weeks to protect against this. If you sell services or goods with no capital outlay (software for instance), then you can afford this. If on the other hand, you really are having to pay your luxury car importer to provide you with stock, then cash flow becomes very important and you're going to need a bank acquired service where you can be paid immediately.
Protection
One major downside to PayPal and similar services is that it is not covered under the same regulations that govern credit cards.
Simply put, if you buy something on a credit card your card provider is liable for ensure you get what you paid for (broadly speaking, in most countries, does not constitute legal advice etc.) and if you have a problem with your purchase they will refund you very quickly and then will go and chase the person that you paid.
This is the kind of protection you hear about when Leo Laporte advertises American Express on his podcasts. It is a "Good Thing"TM. You don't have that protection with PayPal because when you use your credit card on PayPal, you are actually buying PayPal's service. So, even if you are mis-sold a product, the person you paid for the service (PayPal) didn't mis-sell, they provided the service you paid for. This breaks the chain.
PayPal don't have a legal obligation to protect you in the same way, and their record on refunding ripped off customers is less than spangly. I'm guessing they have "Caveat Emptor" writ large on the walls of their head office. :)
I'm not dissing PayPal, they are way ahead of the curve on many other security features, but just another factor to bear in mind.
End to end integration
Different services differ in their ease of integration. Oh boy do they differ. I'm sitting on some work right now to do an HSBC integration. I'd rather have a root canal. Some of the systems make big assumptions about the way you have to work with them, and are poorly designed or inflexible. Retro-fitting them to an active site can be very painful. Some of them are beautiful and easy to work with (and not necessarily less secure). The biggest difference is how you choose to integrate though.
Most services integrate by allowing you to redirect to a secure site where your customer fills in his / her details. They are finally redirected back to a page on your own site with the results of the transaction. This works well in most cases and is easiest to integrate.
When you buy something on Amazon, you don't get redirected to WorldPay, or PayPal however. If you want end-to-end integration, most services now will let the communication happen behind the scenes. Your own site has to have a decent secure server certificate of course, and the integration is necessarily more complex.
Reputation
It used to be that PayPal was used on dinky sites. You wouldn't catch Amazon using it. That perception has changed a lot, and in fact in some senses PayPal does security better than most. If your audience expects to see PayPal and you give them some other service then you may lose custom, or vice versa. These days many merchants offer a choice to customers.
UK Providers
WorldPay. Well established. Bureau and bank acquired. Relatively high transaction costs and annual costs. Fairly easy to integrate. Owned ultimately by Royal Bank of Scotland.
SecPay. Bank Acquired. Low per transaction cost and low annual cost and flexible payment models.
ProtX. Bank Acquired. Low per transaction cost and low annual cost, flexible payment models. Can be quite demanding to integrate.
HSBC. Bank Acquired. Low per transaction cost. High set up and annual costs. Very inflexible to integrate.
SecureTrading. Bureau and Bank Acquired. Low per transaction cost but high setup and annual costs. Was a doddle to integrate last time I used it (9 years ago!)
NetBanx. Bureau and Bank Acquired. Haven't used since 1996 so can't comment!
And of course PayPal, Google Checkout and Amazon FPS are well worth looking at and worth a whole answer on their own!
Summary
Told you it wasn't that simple! Usually, as developers, we're not in the position to choose for ourselves, and these decisions should be driven by the business needs of our employer / client.
Most e-commerce projects would start with PayPal or similar. When the business gets enough orders that they could save money by switching to another service, then they've got enough money to pay for the switch.
Disclaimer: I am UK based, and have performed many integrations with a whole slew of these services over the years, however the market changes all the time and things may have changed and your mileage may vary! I am not a lawyer or accountant, and if you take my advice it's not my fault :)
I'd say paypal or GoogleCheckout.
Google Checkout is either 2% + .20USD or free depending on how much you spend on adwords. If you spend a dollar on adWords, your next $10 on Google checkout is free.
Paypal is 1.9% to 2.9% + $0.30 USD (2.9% for up to $30,000/month, 1.9% for more than $100,000/month)
Without factoring in the 20/30 cents, Paypal is just barely cheaper if you sell more than $100,000 per month, and spend nothing on adwords.
http://www.authorize.net/ works well. This type of solution would allow your customer to enter his/her credit card directly.
I've been researching Google Checkout. If you require subscriptions (recurring payments) like I do - Google Checkout has it but it is still in beta. So depending on when you want to go live and your needs - you may want to use something else.
esellerate
if it is Digital stuff that you are selling, I recommend http://www.esellerate.net/ .
they have nice support for website payment, delivery of serial numbers upon sell and even have API so you can integrate the buying process into your application in case it is a desktop application.
Well by cheap do you mean processing fees or month fees? Also is this for micro or normal transactions? PayPal in my experience is an all around good choice because it offers both starter to professional level payment processing services that fit most needs.
I've looked at WorldPay and SecPay in the past; you need to know your onions to use them competently, I think - if you want really nice integration, at any rate.
Google Check-out isn't available to non-US companies. I didn't realize this until the last stages of my research, so I found it quite annoying (considering it was very easy to work with and very well documented).
Unfortunately in order to make things as convenient as possible for your end users, you're pretty much stuck with having to support Paypal. No one else comes close in terms of registered users.
I've used CyberSource in the past, and had a good experience.
They support several interfaces including SOAP, work internationally and have a pretty good web interface.
I'm not sure whether it's cheap though.
http://www.cybersource.com/products_and_services/global_payment_services/credit_card_processing/
Epoch is pretty large and available in US and EU:
http://www.epoch.com/en/index.html
I have no idea about their conditions though.
I'd have to go with paypal. I've used it in the past, and its really quite painless. All you need to do is create an account, and it's automatically available to you.
Try AlertPay, they have very competetive fees.
alertpay looks great low fees (compared with paypal), supports more countries , developers center