一个值得开发人员友好的替代 PayPal

我明白支付是一件棘手的事情，但我还没有找到一个有价值的替代贝宝。我想改变贝宝，因为我认为他们是昂贵的，它不工作在所有国家。此外，我认为 API 是足够的，但可以更好。然而，API 文档完全是 该死。

我正在寻找一个支付/交易服务，更方便的开发商，最好是:

  • 一个干净且结构良好的 REST API
  • 优秀的开发工具和沙箱
  • 优秀的示例 API 实现 ，最好使用 Python 或 Ruby
  • 全球信用卡/借记卡覆盖范围
  • 比 PayPal 便宜的利率(或者选择支付计划的可能性)

我认为 Google Checkout 有一定的价值，但是它要求开发者和潜在的购买者都有一个 Google 账户。任何其他建议都非常感谢！

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Do you have an objection to using a standard gateway and merchant account? Your bank may resell Authorize.net, for example (I know Wells Fargo does), which has pretty much everything you're looking for. You will end up paying about $40/month in fees for both of these services.

I have used Google Checkout as a payment service as well, and it works fine.

Intuit has a merchant account offering out as well.

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First Data

  • Is international
  • Integration is easy and developer friendly
  • REST APIs
  • Support for all mayor tender types (CC, DC, Gift, ACH, Lec, etc)
  • Support for all mayor card companies (even European ones)
  • Many different service plans that adapt to many needs (flat subscription, per transaction volume, per dollar volume, etc)

http://www.firstdata.com

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Moneybookers - http://www.moneybookers.com/

API Manual - http://www.moneybookers.com/merchant/en/moneybookers_gateway_manual.pdf

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You should probably consider Amazon's "Flexible Payments Service" too... I'm a fan of most of their web services. Not sure offhand whether payees must have an Amazon account to pay or not... but AWS services tend to be well documented:

http://aws.amazon.com/fps/

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Take a look at SagePay. I haven't developed against PayPal or GoogleCheckout but the SagePay documentation from the knowledgebase is pretty good. SagePay also have a neat little testing platform.

Depending on your usage they can work our cheaper than PayPal and Google checkout.
http://www.zarr.com/Blog/2009/12/Summarizing-Paypal-Google-Checkout-and-Sage-Pay-as-payment-processing-programs/

Hope this helps

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I find Klarna to be an very good provider.

They have an easy to use API and they also provide different ways of payments. They also provide a service to let your customers pay by invoice and let you get your money immediatly so Klarna takes care of actually getting the money.

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I'm a developer at Payjunction, so I recently looked at ActiveMerchant for Ruby (it can use Payjunction, PayPal, Authorize.net, and some others). If you are looking for a Ruby solution, I like their code, independent of who you use as an actual payment gateway. Don't have a recommendation in Python.

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Stripe fits a lot of your criteria — you can accept credit card payments without a merchant account. You also get to control the payment flow without having to worry about PCI compliance.

A clean and well-structured REST API

The API is based entirely on REST — you can even use curl to charge cards:

curl https://api.stripe.com/v1/charges
-u <YOUR_API_KEY>:
-d amount=400
-d currency=usd
-d "description=Charge for user@example.com"
-d "card[number]=4242424242424242"
-d "card[exp_month]=12"
-d "card[exp_year]=2012"
-d "card[cvc]=123"

Excellent developer tools and a sandbox

You can test your payment form integration with test API keys before going live. More info: https://stripe.com/docs/testing

Good example API implementations, preferably in in Python or Ruby

Stripe has official libraries in Python, Ruby, PHP and Java, and there are more community-supported ones here: https://stripe.com/docs/libraries

Worldwide credit/debit card coverage

You can charge all international credit and debit cards with Stripe.

Rates cheaper than PayPal (or the possibility to chose a payment plan)

You pay one standard rate of 2.9% + 30¢ per transaction. Unlike PayPal, there's no extra charge for American Express or international payments. Details here: https://stripe.com/help/pricing

I am an engineer at Stripe. Feel free to drop by our chatroom if you have more questions. You can also email us at support@stripe.com.


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