What is the best online payment solution to let users purchase/subscribe to an online software service and use their credit card to pay?
There are several online payment gateway providers that service businesses such as that which you described, but the “best” one for your business will depend almost exclusively on factors specific to your situation such as:
the features and functionality your business model requires
the countries you wish to accept transactions from
the currency or currencies you want to work with
Without knowing where your business is based/located, I’d say the first thing you need to ask yourself is which features and functionalities of a payment solution are the most essential for your business? While you already mentioned some of the following aspects, you’ll need to decide which of them are necessities – meaning, they are deal breakers if they are not available – and which would be nice to have, but you could do without initially:
low processing costs
ease of integration
availability of basic and advanced functions or features
a broad geographic service area for processing international transactions in multiple foreign currencies
Only after you determine which features your business model absolutely requires can you can begin to narrow the field and choose a payment gateway in your region that offers the best solutions for your needs. However, bear in mind you may have to partner with more than one payment gateway provider to achieve your desired results, particularly if you plan to process cross-border transactions or accept multiple currencies.
Because there is no single payment gateway that universally meets the regulatory and compliance guidelines for every region of the world, you’ll have to determine if you need to perform both authorizations and settlements in foreign currencies.
If you already know you’ll be accepting transactions in foreign currencies, you must establish an “official presence” in each country whose currency you will accept. This can be accomplished by obtaining a merchant account in each country through an acquiring bank partnership.
Alternatively, you could partner with payment processors who will perform cross-border transactions and currency conversions for you (typically, for a fee in addition to the flat per-transaction fee you’ll already be paying).
Conversely, if you only a need to conduct transactions in a single currency (i.e., US Dollar), you can partner with any gateway provider or processor supporting that particular currency.
However, if your business’s needs are more complex, and require a more detailed and customized solution – such as recurring billing as you mentioned — partnering with an open source payment gateway software provider such as Acardpay Integrated Payment Gateway is an excellent choice. Offering a robust selection of fully customizable features, AcardPay’s software can be seamlessly integrated and certified with acquiring banks in your desired regions.
Lastly, if you happen to be a startup (you mentioned that you are launching), no matter where you are located, you may encounter additional challenges in simply locating a payment gateway provider willing to partner with you. Because of the historically high startup failure statistics and the low numbers of transactions processed, startups are not particularly appealing because they don’t generate enough transactional volume for payment gateway providers to profit from – therefore making startups not worth their assumed risk.
Summary:
Because there is no payment gateway that services and meets the regulatory requirements for every country, you'll first need to decide which features are most essential for your business model and which countries and currencies you want to service and accept. The AcardPay Payment Gateway platform offers a robust selection of fully customizable features and can be seamlessly integrated and certified with acquiring banks in your desired regions. If you are a startup, due to low transactional volume, you may find additional challenges in locating a payment gateway provider willing to partner with you.
the features and functionality your business model requires
the countries you wish to accept transactions from
the currency or currencies you want to work with
Without knowing where your business is based/located, I’d say the first thing you need to ask yourself is which features and functionalities of a payment solution are the most essential for your business? While you already mentioned some of the following aspects, you’ll need to decide which of them are necessities – meaning, they are deal breakers if they are not available – and which would be nice to have, but you could do without initially:
low processing costs
ease of integration
availability of basic and advanced functions or features
a broad geographic service area for processing international transactions in multiple foreign currencies
Only after you determine which features your business model absolutely requires can you can begin to narrow the field and choose a payment gateway in your region that offers the best solutions for your needs. However, bear in mind you may have to partner with more than one payment gateway provider to achieve your desired results, particularly if you plan to process cross-border transactions or accept multiple currencies.
Because there is no single payment gateway that universally meets the regulatory and compliance guidelines for every region of the world, you’ll have to determine if you need to perform both authorizations and settlements in foreign currencies.
If you already know you’ll be accepting transactions in foreign currencies, you must establish an “official presence” in each country whose currency you will accept. This can be accomplished by obtaining a merchant account in each country through an acquiring bank partnership.
Alternatively, you could partner with payment processors who will perform cross-border transactions and currency conversions for you (typically, for a fee in addition to the flat per-transaction fee you’ll already be paying).
Conversely, if you only a need to conduct transactions in a single currency (i.e., US Dollar), you can partner with any gateway provider or processor supporting that particular currency.
However, if your business’s needs are more complex, and require a more detailed and customized solution – such as recurring billing as you mentioned — partnering with an open source payment gateway software provider such as Acardpay Integrated Payment Gateway is an excellent choice. Offering a robust selection of fully customizable features, AcardPay’s software can be seamlessly integrated and certified with acquiring banks in your desired regions.
Lastly, if you happen to be a startup (you mentioned that you are launching), no matter where you are located, you may encounter additional challenges in simply locating a payment gateway provider willing to partner with you. Because of the historically high startup failure statistics and the low numbers of transactions processed, startups are not particularly appealing because they don’t generate enough transactional volume for payment gateway providers to profit from – therefore making startups not worth their assumed risk.
Summary:
Because there is no payment gateway that services and meets the regulatory requirements for every country, you'll first need to decide which features are most essential for your business model and which countries and currencies you want to service and accept. The AcardPay Payment Gateway platform offers a robust selection of fully customizable features and can be seamlessly integrated and certified with acquiring banks in your desired regions. If you are a startup, due to low transactional volume, you may find additional challenges in locating a payment gateway provider willing to partner with you.
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