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by Hondor 3647 days ago
Can you give some examples? I know in America there are lots of startups doing it, but what about the rest of the world? I looked into Skrill a few years ago which seems to be just as international as Paypal, but also with just as horrible terms and conditions.
4 comments
ar0 3646 days ago
In Germany (where seafile is located), there is for example Paymill [1] for accepting credit cards and SEPA direct debit. It is pretty expensive (2.95% + 28 cents per transaction) but it seems to have a good API and if it is more reliable than PayPal (which isn't exactly cheap either) it might be worth it.

[1] https://www.paymill.com/

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thesimon 3646 days ago
Quote overpriced and uncertain future (they recently filed for Chapter 11)
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joopxiv 3646 days ago
PayPal is basically a pass-through wallet, meaning most people don't actually hold funds in their wallet but get they transactions funded one-on-one by a different source. For PayPal this is usually a credit card or direct debit from a bank account.

In most circumstances it's a lot cheaper to accept the credit card or do the direct debits directly (via a payment service provider). If you're operating internationally, find a PSP that offers many local payment options. For example, in many European countries, very few people have a credit card. If you offer your customers local payment options like Giropay and Sofort you won't need to bother with PayPal in my opinion.

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creshal 3646 days ago
Amazon Payments? It's as international as it can get, but I can't say anything about their terms, I've only used it from customer side (which is excellent).
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kennydude 3647 days ago
Stripe seem pretty decent
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Hondor 3646 days ago
This is one of the not-very-international startups. Only available for merchants in 2 or 3 countries last I checked. I don't think small companies can do true international payment processing because of the labor needed to handle all the red tape in every country they go into.

Edit: I see they're already grown a lot and are even starting to try unlikely countries like Brazil and New Zealand.

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girvo 3646 days ago
New Zealand is actually kind of interesting, and not as crazy as you'd think. It's often used as a test bed for consumer tech
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