Braintree

Braintree

Utilities / Payments / Payment Services
Needs advice
on
StripeStripeChargebeeChargebee
and
BraintreeBraintree

Dear StackShare Community,

I am seeking inspiration on creating a billing & subscription stack and came across this wonderful website and community.

From what I understood so far, I need something like Stripe or Braintree to collect payments without dealing with PCI compliance or setting up merchant accounts, etc... Additionally, services like Chargebee, Recurly, Chargify, etc. are said to make life easier when dealing with recurring billing.

Stated below, I've tried to give you some context on what I want to achieve. I am very curious about your ideas and how you'd configure an optimal stack.

Project context (very high level):

  • Loyalty program for local merchants (stores, restaurants,...).

  • Customers support their community and merchants by shopping local.

  • Merchants grant points to customers based on a customer's value spent in a store, restaurant, etc.

  • Customers can redeem their points at any participating merchant.

Billing / Subscription scenarios to be considered:

(affecting merchants only)

One-time setup fee

  • What: Merchant pays a setup fee by signing up for the service

  • Where: Order placed on the website

Monthly retainer fee

  • What: Merchant pays a monthly recurring retainer for the service.

  • Where: Order placed on the website

Manually initiated payment

  • What: Merchant initiates a payment to top up his virtual points wallet. E.g. pays 100 USD to top up 100000 points which then can be used by the merchant for granting points to customers.

  • Why: Points issued to members need to be paid for by the merchant. We first considered billing the merchants post-ante, e.g. monthly based on the points they've granted to their customers in the last 30 days, but this seems too risky: If they can't / won't pay we'd still have to pay out points to the customers (technically to the merchants where the customers redeem their points). Thus, the pragmatic idea to reduce risk by having the merchants to pre-pay for their points by topping up their balance.

  • Where: Web application (with the merchant logged in)

  • Nice to have: Opt-in for automatically initiated top-ups if a merchant's balance falls below a certain amount.

Invoicing

  • What: After every transaction (setup, retainer, top-up,...), we need to automatically issue and send (E-Mail) an invoice to the merchant.

  • Nice to have: Customer portal with all their invoices.

Other potentially relevant parameters

  • Currency: Only Euro

  • Country: Only Germany (so far)

  • Tax: Only one tax rate

  • Payment for setup & retainer: Credit Card; ideally SEPA Direct Debit (but that still causes headache due to the SEPA regulatory and risk of chargebacks still after weeks), PayPal?

  • Payment for top-up: Same as above plus any other that makes sense (Klarna, Sofort, PayPal...)

Again, thank you very much for sharing your ideas and thoughts! I'd highly appreciate any input :-)

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6 upvotes45.2K views
Avatar of liveweird
CTO at Shedul/Fresha

We make sure to implement only the functionalities that are specific to our business domain (Beauty & Wellness) & use other services for functionalities we find generic or secondary (they do not make us stand out). We've picked the most stable & popular ones we could find for such purposes: Google Maps (for salon location maps), Mandrill (sending mail notifications), Twilio (sending SMS notifications) or Braintree (for payments).

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3 upvotes69.4K views
Avatar of jacobsmith928
CMO at Packet
Shared insights
on
BraintreeBraintree
at

Gotta take the money, might as well take it in style and on all devices without too much headache. Oh and we use the fraud prevention tools. Braintree

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1 upvote12.8K views
Shared insights
on
BraintreeBraintree

Braintree handles recurring credit card and Paypal payments for healthchecks.io. We liked the extensive developer documentation, the language-specific libraries and the friendly, timely communication from Braintree. Braintree

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1 upvote11.9K views
Avatar of Bogdanp
CLEARTYPE SRL
Shared insights
on
BraintreeBraintree
at

Braintree is effectively the only good billing PaaS for Eastern European companies. Braintree

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1 upvote11K views