| Lots of third party implementations will take a few % off your bottom line. That's the main one. There's a couple of other points here as well: - If you do enough volume, you're able to negotiate the fee with the payment processor, we've done this successfully. If you outsource, that negotiation is the third parties margin. - I'm not sure if this is true for third parties, but if they wrap up all your payouts in your native currency (EG GBP£), you lose money on forex. We try our best to have all our EUR and USD sales land in their respective currency accounts, then convert them with low cost services such as transferwise which has saved us a lot of money in the long run. Saving on your forex and having no third party processor fees, I think in some instances you could be saving in the region of £40,000 to £80,000 per £1mm of sales. We also couldn't find a third party implementation that would allow us to bill for our product, varied by country, amount, currency AND billing frequency. This fine tuned control can have real benefit, for example we noticed in Ukraine we had high traffic but no sales - by introducing a low monthly UAH billing option we started to grow sales in this region. Other third party implementations won't handle VAT properly or comprehensively which can create more of an accounting burden, or round VAT transactions unfavourably (size of that benefit is irrelevant to very small obviously depending on volume of transactions!) This gap is being slowly filled from what I've been seeing though. Using a third party solution for SaaS will always have some level of disconnect, it just feels nicer for the customer when it's all integrated seamlessly. One example being you have full control over branding and distribution of invoices/receipts etc. |