amuck-landowner

Who uses Stripe for payments? Beware, they seem to not validate cards.

XFS_Duke

XFS_Duke

XFuse Solutions, LLC
Verified Provider
LorenKelley,

How about you put together a proposal for web hosting companies on this forum? Call is a VPSBoard Group Plan if you will.

You could make some good commission (if you get paid commission) from this forum. I'm sure all those Stripe people would love to switch. I'd say, provide your best quote here and let people feed off of it... After all, this forum is dedicated to providers that want to better their company, right? :)

Just my 2 cents
 
S

SkylarM

Well-Known Member
Verified Provider
XFS_Duke said:
LorenKelley,

How about you put together a proposal for web hosting companies on this forum? Call is a VPSBoard Group Plan if you will.

You could make some good commission (if you get paid commission) from this forum. I'm sure all those Stripe people would love to switch. I'd say, provide your best quote here and let people feed off of it... After all, this forum is dedicated to providers that want to better their company, right? :)

Just my 2 cents
Click to expand...
+1
 
Damian

Damian

New Member
Verified Provider
@LorenKelley I too am interested in moving away from Stripe, but have a few questions I'll ask here for the mutual benefit of all, as they may be interested too:

-How integrated is Braintree with WHMCS? Currently, when a user pays through our website, they can choose the Credit Card payment option, and everything appears to happen on our website: the user is redirected from where they click "Submit Order" to "Your Order is Complete etc" without needing to be redirected to Stripe or any other website. I'd like to continue that.

-Will Braintree accept any major credit card? We're having issues with Indian credit cards being rejected despite being a Visa-branded card.

-Will Braintree accept VCCs? Can I choose to NOT accept VCCs if I so desire?
 
Last edited by a moderator:
tchen

tchen

New Member
@Damian jclark's Braintree module like his other one for stripe will inject the CC form on page.  The only difference between this and the Stripe one is that it uses the S2S method.

S2S works in a similar fashion to accessing any API over HTTP. First, you create a form on your website where the user enters their credit card data, billing information, etc. When the user submits the form, the contents are sent to your server. Using the data you’ve received, you make an API call to Braintree using one of their client libraries, check the result and display necessary information to your user.

This approach is simple and flexible. You can perform your own validations on the data you’ve received from the user as well as performing any necessary data formatting. However, S2S has a serious drawback. While you may not be storing any credit card data, the simple act of that data passing through your system creates a security risk and complicates the steps necessary for you to achieve and maintain PCI compliance.
Click to expand...
There's another transparent mode one (direct to Braintree's servers) although I can't say it gives me a warm fuzzy.
 
concerto49

concerto49

New Member
Verified Provider
I tried to apply for Braintree. My problem was they required me to be in the USA with a USA bank. Stripe didn't require this.
 
concerto49

concerto49

New Member
Verified Provider
trewq said:
Doesn't it say on their site they allow Australian merchants?
Click to expand...
That requires an AUD bank. Enjoy conversion rates.

Customers pay in USD. You take AUD after conversion from Braintree. You convert AUD from Braintree to pay for USD server/colo.


It's a big hit.
 
Last edited by a moderator:
trewq

trewq

Active Member
Verified Provider
concerto49 said:
That requires an AUD bank. Enjoy conversion rates.


Customers pay in USD. You take AUD after conversion from Braintree. You convert AUD from Braintree to pay for USD server/colo.


It's a big hit.
Click to expand...
Yeah, fair enough. I thought that the merchant accounts are multi-currency, I stand corrected.
 
Echelon

Echelon

New Member
Verified Provider
Lets be honest -- any payment method that has the capability of reversing charges and chargeback requests should be approved manually on the first payment. Payments afterwards shouldn't be such an issue, but you simply can't trust fraud automation to catch a fraudulent charge as it comes through the pike.

There's no alternative to vigilance.
 
S

ShardHost

New Member
Verified Provider
We've had a massive jump in CC chargebacks from addresses in Cali.

The services purchased were used for carding related activities.  We managed to refund most of the charges before the disputes started to roll in.
 
B

buythiscomputer

New Member
Hello,

Do you think that any other processor is better than Stripe ? You are dreaming...

They all just take our money and do nothing !

At least Stripe is easy to get approved and to use compared to some monkeyx as 2checkout..

I love Stripe and wish that they become the first real Paypal concurrence !

Thanks for reading.

ps: the big difference with braintree who is not even able to remain independent is that Stripe accept sellers without any registered company just as Paypal, but not Braintree !
 
M

MichaelS

New Member
I work on the support team at Stripe. We take risk and fraudulent activity monitoring very seriously here and do everything we can to help our users as quickly as possible, while still letting them reliably accept payments from legitimate customers.

For a bit of background information: we always obtain authorization from the credit card companies and banks prior to returning a successful charge via our API. If a cardholder reports their card as stolen to their bank, their bank should decline future payments; in that case, we immediately let you know and don't allow the charge to go through.

Secondly, if you send us the customer's address and CVC security code when creating a token or charge, we can run additional address and CVC checks with the banks to allow you to be more certain that the true cardholder is making the charge. Using this information, you can choose to refund suspicious charges in your application or setup your Stripe account to decline charges that fail these checks. You can read more about these checks here: https://support.stripe.com/questions/what-controls-for-fraud-prevention-does-stripe-offer. If you ship physical goods, we also recommend checking to see that the billing and shipping addresses match or are similar for further protection.

Finally, in addition to the bank's checks, we have systems monitoring activity globally throughout Stripe, looking for and proactively blocking clearly fraudulent charges. We expose as much data as possible about each charge so that you can reliably determine whether or not any individual charge seems suspicious. Given that you know your customers best, we've found this approach particularly helpful in finding the balance such that our automated systems block as much fraud as possible while not affecting your legitimate customers, who should always be able to pay you.

It's very important to us that you're able to avoid as much of this fraudulent activity as possible. We have people working full-time on these tools, and are continuously working toward making more of this information available on your dashboard and through the API, giving you an intuitive and automatable way to review your payments.

If you have any questions, please feel free to get in touch with me directly at [email protected] and I'll do everything I can to help.
 
shovenose

shovenose

New Member
Verified Provider
MichaelS said:
I work on the support team at Stripe. We take risk and fraudulent activity monitoring very seriously here and do everything we can to help our users as quickly as possible, while still letting them reliably accept payments from legitimate customers.

For a bit of background information: we always obtain authorization from the credit card companies and banks prior to returning a successful charge via our API. If a cardholder reports their card as stolen to their bank, their bank should decline future payments; in that case, we immediately let you know and don't allow the charge to go through.

Secondly, if you send us the customer's address and CVC security code when creating a token or charge, we can run additional address and CVC checks with the banks to allow you to be more certain that the true cardholder is making the charge. Using this information, you can choose to refund suspicious charges in your application or setup your Stripe account to decline charges that fail these checks. You can read more about these checks here: https://support.stripe.com/questions/what-controls-for-fraud-prevention-does-stripe-offer. If you ship physical goods, we also recommend checking to see that the billing and shipping addresses match or are similar for further protection.

Finally, in addition to the bank's checks, we have systems monitoring activity globally throughout Stripe, looking for and proactively blocking clearly fraudulent charges. We expose as much data as possible about each charge so that you can reliably determine whether or not any individual charge seems suspicious. Given that you know your customers best, we've found this approach particularly helpful in finding the balance such that our automated systems block as much fraud as possible while not affecting your legitimate customers, who should always be able to pay you.

It's very important to us that you're able to avoid as much of this fraudulent activity as possible. We have people working full-time on these tools, and are continuously working toward making more of this information available on your dashboard and through the API, giving you an intuitive and automatable way to review your payments.

If you have any questions, please feel free to get in touch with me directly at [email protected] and I'll do everything I can to help.
Click to expand...
I know you copy and pasted that because the font is wrong. Just saying. And you have the same initials I do lol.
 
S

SkylarM

Well-Known Member
Verified Provider
shovenose said:
I know you copy and pasted that because the font is wrong. Just saying. And you have the same initials I do lol.
Click to expand...
It's def a copy/paste, I got the same message via a support request when inquiring for more information relating to fraud.
 
shovenose

shovenose

New Member
Verified Provider
SkylarM said:
It's def a copy/paste, I got the same message via a support request when inquiring for more information relating to fraud.
Click to expand...
See, that's what's frustrating - they don't even take the time to think about a response.
 
You must log in or register to reply here.
Top
amuck-landowner