Comments on: Lessons learned in online subscription billing

By: abercrombie and fitch

abercrombie and fitch — Fri, 10 Jun 2011 08:41:52 +0000

Yes…

Likely… The easier, the better… All ingenious is simple.

By: Bill Munro

Bill Munro — Mon, 03 Jan 2011 18:05:57 +0000

For obtaining a Merchant Account I see you have recommended Silicon Valley Bank for those in the Bay Area. Do you have any recommendations for Southern California (San Diego, Orange Counties)? Thanks.

By: Mobile Credit Card Processing

Mobile Credit Card Processing — Wed, 15 Dec 2010 06:28:36 +0000

I think it’s important to point out that if another merchant account comes in after another, and “promises” you they can get you out of your previous contract……think again.
I was hosed this way previously.

By: Anthony

Anthony — Tue, 14 Dec 2010 01:53:06 +0000

Great article. I’d just like to add a few things. Setting up a merchant account is not typically a painful experience. It can, however, get tricky with online and/or recurring billing. When Isaac said that the merchant account holder has liability on transactions for several months, technically, it’s the credit card processor that has direct liability. If a cardholder disputes a transaction, the processor has already paid you for the transactions, and unless they can get that money back from you, they are stuck holding the bag. That’s why many processors get uneasy in an online environment because the cardholder is not present at the time of the authorization. They also don’t like recurring billing, because in that scenario, the cardholder’s authorization is not obtained every time you bill them (only the first time you process a payment). They’ll want to see a copy of the agreement you have with your customers, and will also like to see that you’re financially solvent, in the event they need to recoup funds from you because of a cardholder dispute.

Anyway, thanks for the post. I hope to see more in the future.

By: Paul

Paul — Wed, 06 Oct 2010 20:14:47 +0000

“You cannot move [the credit card expiration date] forward unless you collect the user’s credit card number again.”
Actually, Braintree does allow you to change the expiration date without getting the credit card number again.

By: Start an Organic Garden

Start an Organic Garden — Sun, 05 Sep 2010 07:17:48 +0000

Hiya, I was reading a different problem about this on another blog a few minutes ago only. Fascinating perspective you have compared to the other 1 I read earlier but hey, it’s your opinion after all. – And I’m leaning a lot more towards yours, haha.

By: Micha Mok

Micha Mok — Sat, 17 Jul 2010 15:21:46 +0000

Hello! Thanks for this great blogpost! btw: I found this site where everybody can create a bank account at an austrian bank: http://www.konto-im-ausland.info/ Hope this is useful for you! Best Regards

By: david spellenberg

david spellenberg — Fri, 19 Feb 2010 17:45:39 +0000

would like to get started in on line billing

By: Guillaume Fradin

Guillaume Fradin — Tue, 09 Feb 2010 09:56:08 +0000

Hello,
Thanks a lot for this post, I find it extremely interesting.
But why do you discourage paypal for a non-side projects? I find difficult to find relevant informations to compare merchant accounts/gateways. Is it just that they apply higher transaction fees? or is there something else?

Also, being in France, I feel that my options are quite limited if I want to use your service. What other choice than paypal could I have?

Best,
Guillaume

By: Tim Van Loan

Tim Van Loan — Wed, 03 Feb 2010 04:00:49 +0000

Thanks for all the feedback guys. Richard, please let us know if you need any help, we’re here to assist!
cheers,
Tim