[biturd]

I'm curious, why not use Stripe? I have heard nothing but good about them, and since you are willing to use Pay-Pal, I am assuming you are willing to use other 3rd party processors.

If you have your own merchant account and have implemented the code by hand or through a library, you pay all sorts of fees, sign up fee, fraud chargeback fees, percentage of charge, statement fee, monthly fee, etc. Both Strip and Square offer simple integrations, simpler than Pay-Pal IMHO, and I assume they have the capacity to deal with fraud better.

[ripberge]

Been using Stripe for years. There is no more fraud protection there than any other merchant credit card account.

[someone13]

Serious question (I haven't used a merchant credit card account): do regular accounts come with any fraud protection? The reason I ask is, I was sent a link to this a while ago, which seems to say that Stripe does do fraud protection:

https://stripe.com/docs/fraud

[ripberge]

It's hard to say, Stripe (or any other merchant account) may be blocking some charges, but you really don't have visibility into why a charge was blocked.

Regardless if they are blocking a lot or a little, they all let way too many fishy charges go through. They are just not incentivized to police fraud because in e-commerce its you who are on the hook for the charge back, not the bank or credit card company.

You cannot rely on your merchant bank (Stripe or anyone else) to do your fraud protection. You will get eaten alive.

[teknologist]

It's PayPal, not Pay-Pal

[Cyberdog]

It's technologist, not teknologist