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Comment by fennecfoxen | Hacker News Reader

This sounds like a good time to talk GoCardless. (Disclaimer: former employee, still have unexpired options).

Now, the downside is that this is recurring subscriptions only (e.g. SAAS) and not purchases. The upside is https://gocardless.com/en-us/pricing/

  - Domestic pricing: 1% + $0.25 up to $2.50 maximum

  - International pricing: 2% + $0.25.
    Currency conversions at the TransferWise rate.

UK/Euro pricing is even better, as that's their home territory. (And, you still can get chargebacks, but that's because some of these banking systems demand it.)

View on HN

https://gocardless.com/en-us/faq/merchants/

“Do you take credit or debit cards?

No, GoCardless is an ACH debit company.”

Most people prefer credit cards. How does it work? Do you ask people if they want to pay by ACH?

Or do you detect debit cards on your credit card form and use this instead of the credit card processor?

> Most people prefer credit cards.

In the US, perhaps. If you're going after international customers — the topic which the original article complains about — you'll find that this preference isn't nearly as strong as you think.

In the UK I disagree. I personally always prefer to pay by debit/credit card. The charges are instant (and will be displayed instantly if you use a modern bank), you get the ability to make chargebacks (or the UK's law-mandated protection for credit card customers), etc. Direct Debits on the other hand take 3 days to set up before the money actually leaves the account.

Internationally, the local card details often don't match US "debit cards" enough to actually be called by that term; I've taken the habit of translating to "bank card". I've had non-US bank cards with no credit with security & user terms better than US credit cards.

Wholesale cost of same-day ACH is $.052 flat.

https://independentbanker.org/2016/08/navigating-the-same-da...

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