dating payment gateways (in europe and spain)
DESCRIPTION
This slides reflect the problems of a SaaS product (in our case a platform used by others) regarding payment gatewatys. It trains to explain how payment gateways work and the problems they have. All of it focused on the european and spanish situation. Finally it's the first mention of Payout, the programmer-friendly payment gateway we are trying to build. The video (spanish) of the talk can be found here: http://vimeo.com/43974768TRANSCRIPT
DATINGpaymentgateways
a short tale of love and hate.
stageOur own humble scenario.
NO hassleStage helps you to sell tickets online easily.
cashflow!
money movement
(offline)
online flow
eventorganizer’s
bank account
Organizer’sPayment Processor
Transaction Approved
“Small” fee taken
Credit CardDetails
NOT EASYHow many organizers have
their own payment gateway?
PaypalQuick & Dirty.
some limitationsTechnical problems you can meet in the travel.
PROBLEMS? ME?Does PayPal hate events?
spanish banks
Oh, shit.
opTional* - Secure 3D
WEIRD LIMITSObsolete technology, bureaucracy and other shit.
Becominga gateway
L' Allemagne... deux points.
daily
weekl
y
monthly
weekly
every nmonths
often the same entityBuyer’s bank
Credit card‘sIssuer
Credit cardnetwork
Merchant’sbank
reserve
notifies movements
for settle
ment
seller’sbank account
seller’swebsite
daily
weekl
y
monthly
weekly
every nmonths
often the same entityBuyer’s bank
Credit card‘sIssuer
Credit cardnetwork
Merchant’sbank
reserve
notifies movements
for settle
ment
seller’sbank account
seller’swebsite
GASP!
daily
weekl
y
monthly
weekly
every nmonths
often the same entityBuyer’s bank
Credit card‘sIssuer
Credit cardnetwork
Merchant’sbank
reserve
notifies movements
for settle
ment
seller’sbank account
seller’swebsite
transactiontypes
Authentication, authorization, capture, purchase, recurring and others
options INeurope
What are the alternatives for -continental- Europe?
INTERNATIONAL TRANSFERs
SEPA, Europe and rest of the world
CURRENCIESThere is life after Euro. And fees.
PAYOUT A payment gateway without hassle.
perio
dicall
y *
payment gatewaysnightmare
Payout
seller’sbank account
EUROPEeNABLED
THANKSAlberto Molpeceres - Linking Paths
@molpe - @linkingpaths