Hacker News Reader

Comment by mdemare | Hacker News Reader

I've stopped bothering.

Anyway, payment processing is a solved problem in the Netherlands. Which other countries have sensible, cheap payment, easy-to-implement solutions that are widely used?

View on HN

A solved problem in the Netherlands? What payment processor do you recommend?

The options I have looked at in the Netherlands all seem really bad or run on ancient technology. You can't even get Paypal Payments Pro, Amazon payments or google checkout. You can't get Braintree or any of the other web 2.0 payment processors.

Ogone looks sort of OK, but I don't know of any others.

I meant iDeal, which will allow you to reach most Dutch internet users, as opposed to PayPal or credit cards (relatively few Dutch people have credit cards).

We use MultiSafePay, which is a "online checkout" solution (you're routed to their site with your template if you have the most expensive plan). They support credit cards, but that's based on acceptance by their processor, PaySquare. The problem boils down to, just like Canada mentioned above, there are only two or three credit card processors. Even Ogone uses PaySquare or Atos Worldline in the Netherlands (they, like FeeFighters have different relationships in different countries). Ogone is a spinoff of Fortis bank, so is quite "bank minded".

You're okay if you want to do a webshop and just cater to the Dutch market in which case you can use just iDeal.

But if you want to do international recurring payments you don't have that much options in the Netherlands.

You can go with one of the following: Spreedly+Ogone (which needs extra tweaking to support VAT) or Recurly+WireCard

Or pick a more expensive all-in-one solution such as Avangate.

Am I missing others?

Finnish banks have had domestic customer-to-business online payment system (TUPAS) running since 2000 or so. It sounds very similar to the Dutch iDeal scheme. It used to be a pain to set up since you had to sign a contract with each bank chain you wanted to accept payments from, but nowadays you can sign up with a gateway instead.

Not Australia. :)

Reply on news.ycombinator.com