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Discussion on: What's your favorite payment API?

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Ramesh Elaiyavalli

It all depends on your needs.

We chose Stripe. They have excellent support in the following areas.

1) Well supported payment options: We are US based biz. Mostly Visa/ Master/ Amex. Other vendors may offer more payment methods.

2) API integration - Stripe has a top-notch API that is extremely well-documented. Their smart payment pages and flex UI kits make integration very simple and fully brandable.

3) Dunning - If you do not know what this is, look it up. Extremely important for any growing company. Stripe's dunning support is solid.

4) Fraud prevention - Stripe Radar has a ton of fraud vectors analyzed each day and their services modified and hardened constantly.

5) Chargeoff and Disputes - Solid platform to fight and win disputes.

6) Reporting and analytics - Stripe Sigma allows you to issue SQL queries on your data. We tried this 2 years back. Did not feel this was mature at that point. Things could have changed now.

7) PCI - Every payment gateway offers some form of PCI compliance by handling credit card processing on their end. Stripe's compliance policies are well documented and easy to perform both internal and external audits.

As you can see, there is a LOT more to evaluating payment gateway than simply the API. You may want to carefully decide what features, business process and compliance needs your platform needs and then decide the vendor based on your needs.