Reoccurring payments question
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- Raybandana
Hi QBN,
I'm looking to add a membership to a website with reoccurring monthly payments to the user.
If I ask them for their credit card details, I have to also purchase a gateway or server to save their credit card data, so each month it can be charged, correct?
So is it best, just to use Apple, Google and Pay pal APIs for the transaction? I worried some won't use these methods for payments, hence wanting to ask for their credit card info but I don't want to be responsible for credit card security.
Anyways I'm not to clear on this but if someone can tell me the correct way of handling reoccurring transaction on a wesbite for all users types... that would be amazing!
Thanks!
- elahon1
I used WooCommerce and their Subscriptions plugin (paid) and their Stripe plugin (paid) for payments for a coffee club site I built. Works really well.
- That's cool. What method does the user pay by?Raybandana
- They use Stripe, but it's a system the client already had in place. PayPal works fine as well. But I really like Stripe's integration.elahon
- fadein112
Paypal has options to pay be credit/debit card (you don't have to pay with your paypal balance). And using Woocommerce subscriptions as elahon said.
Stripe is also another good option for paying by card.
- Raybandana1
Okay great guys. Seems pretty straight forward as my site is wordpress based. Really appreciate the help.
- spot130
Regardless which payment gateway you use, the process is when the customer's credit card is processed, the gateway returns a token that your ecommerce platform can use to re-bill the card for that same amount. Paypal is typically not the best for this as it adds an additional layer for the customer to cancel or chargeback the fee without cancelling the contractual service they agreed to. Stripe is a good option and you can combine a gateway such as Stripe with a standalone subscription billing platform like recurly as another option: https://recurly.com/gateways/
- ideaist2
Similar, but (I feel) simpler to elahon's solution above is:
WP Simple Pay:
I. Set up a WordPress site.
II. Set up a Stripe account.
III. Install WP Simple Pay and add Stripe credentials.: )
- See https://demo.wpsimpl… for demo(s).
*thumbsup*ideaist - oooh that looks good when no cart required. thanks.fadein11
- Yeah, I keep looking for "lightweight" solutions (no bloated cart) and this is a nice balance.ideaist
- what's the downside to a cart - is it the extra step for the consumer?Gnash
- I think unless you have a shop where users will be buying multiple things at once, and said things need to be shipped, it's unneeded.ideaist
- ah, thanksGnash
- ;)ideaist
- Wow, this does look good!elahon
- $99 per year up to $249 per year with stripe only? does not paypal offer this kind of plugins for free?api
- lolsted
- See https://demo.wpsimpl… for demo(s).
- Raybandana0
Hmm why not just have just use apple pay and google pay api's? elahon's solution the best?
- mekk1
Avoid saving credit card details yourself at all cost. Use specialized payment providers such as PayOne with an active Contract module.
Recurring payments using an online store frontend is a tricky thing to do:
- Don't save payment details yourself
- Users must be able to access and review/cancel their subscription
- Generate invoices and send them outAnd so on. I'd back out of that unless you are using an external cloud-hosted system like shopify or the like - don't make yourself liable for that stuff, the risk is too high.
- SteveJobs0
I'm actually involved in a project that involves cc payments, recurring payments/subscriptions, and invoicing.
I can't go into details about it right now, but is this a common need for designers/developers here?
Would be interested in knowing the use cases.
- mekk0
^I have seen in it in larger e-commerce projects where insurance is part of an upselling and is processed within the store. Was part of a Magento 1.9 based recurring extension using PayOne as a gateway and it took months to develop but has been re-used in three projects so far.
- Hayoth0
Dont store the cc on your own server. Huge security vulnerabilities.
I've used authorize.net with woo commerce in the past.