Best payment method in Rails

rubyonrails-talk
#1

Hi Guys,

I am implementing a website with payment for the courses.

There are supposed to have a few hundreds payment / mth.

My website is outside US (in Asia).

I've implemented paypal for my Rails application.

However, it is not cheap (1.9-2.9% per transaction).

I'm looking into Authorize.net.

How good are the existing payment methods? Which one is mostly used by
the Rails community and which ones are cheaper?

Thanks,
Arthur

#2

Arthur Chan wrote:

Hi Guys,

I am implementing a website with payment for the courses.

There are supposed to have a few hundreds payment / mth.

My website is outside US (in Asia).

I've implemented paypal for my Rails application.

However, it is not cheap (1.9-2.9% per transaction).

I'm looking into Authorize.net.

How good are the existing payment methods? Which one is mostly used by
the Rails community and which ones are cheaper?

This question really has nothing to do with Rails, except to the extent
that libraries like ActiveMerchant are involved.

Thanks,
Arthur

Best,

#3

Marnen, the same could be said, for example, for anybody asking for
information about how to create a PDF document in a Rails application.
A PDF document has nothing to do with Rails but it can be created
using Rails. It is just nice to get answers when you don't really know
where to even start looking.

Unfortunately I don't know the answer for Arthur but I would also be
interested in knowing about the subject.

#4

pepe wrote:

Marnen, the same could be said, for example, for anybody asking for
information about how to create a PDF document in a Rails application.

No. To create a PDF document in a Rails app, you'd normally use a Rails
plugin or gem -- in other words, a Rails-specific tool. You, however,
are asking a question that is solely about third-party services that are
completely external to your Rails app. The two cases are not even
close.

A PDF document has nothing to do with Rails but it can be created
using Rails. It is just nice to get answers when you don't really know
where to even start looking.

Well, this is not the place to look for answers to questions that have
nothing to do with Rails or Ruby.

Unfortunately I don't know the answer for Arthur but I would also be
interested in knowing about the subject.

Then feel free to subscribe to a list where these issues are on topic.
That would not be this list.

> Thanks,
> Arthur

Best,
--
Marnen Laibow-Koserhttp://www.marnen.org
mar...@marnen.org
--
Posted viahttp://www.ruby-forum.com/.

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Best,

#5

Hi Guys,

I am implementing a website with payment for the courses.

There are supposed to have a few hundreds payment / mth.

My website is outside US (in Asia).

I’ve implemented paypal for my Rails application.

However, it is not cheap (1.9-2.9% per transaction).

I’m looking into Authorize.net.

How good are the existing payment methods? Which one is mostly used by

the Rails community and which ones are cheaper?

Thanks,

Arthur

Arthur, you’ll need to provide some details about your requirements. Next, you

will be charged a transaction fee no matter which credit card preprocessor you

use. The Authorize.net has the following price structure:

http://www.authorize.net/solutions/merchantsolutions/pricing/

Paypal:

https://www.paypal.com/us/cgi-bin/webscr?cmd=_wp-standard-overview-outside

Also, I would consider Google checkout and their fees can be found here:

http://checkout.google.com/seller/fees.html

Lastly, I would recommend reading about the additional costs per for preprocessor. For example, Google Checkout will charge an additional 1% fee on transactions where the merchant’s country is different from the buyer’s billing country.

Good luck,

-Conrad

#6

Marnen, the same could be said, for example, for anybody asking for

information about how to create a PDF document in a Rails application.

A PDF document has nothing to do with Rails but it can be created

using Rails. It is just nice to get answers when you don’t really know

where to even start looking.

Normally, if you want to create a PDF using Ruby, you’ll need to use a 3rd party

gem because this isn’t a part of Ruby or Rails core functionality. Also, this

is true for any gem for interfacing to payment gateways. However, the major

difference here is that he needs to interface with an external payment gateway

or service to complete a transaction. Thus, I have recommended several resources

in a previous e-mail to assist him because his question does falls outside the

scope of Rails core features and functionality or the usage of their non-serviced

oriented gems/plugins.

-Conrad

#7

Hi Guys,

Thanks for the information first.

More background info, I mentioned Authorized Net together w/ paypal
because of this good tutorial:

http://www.fortytwo.gr/blog/14/Using-Paypal-with-Rails

It mentioned "Our **first choice** for a payment gateway was
AuthorizeNet. ".

Let me explain my situation more here.

And after I implemented Paypal payment, I haven't joined AuthorizeNet
at all.

I suspect that there is a better way then merely using paypal, tho I
am not sure how they judge "first choice".

And in fact, the charges is quite high in Paypal. Therefore, I am
looking for these "better choices" now.

For the PDF, I indeed got a pointer to wkhtmltopdf before when
requesting a comparison of different PDF soln in Rails, esp Prince.
After a list of known methods, I know that beside Prince, what are
other common methods.

My question is like asking which is the best TextEditor in Mac. Sure
enough, there is no absolute answer.

However, I wanna understand what is the trend in Rails upon the
payment issues and wish that I can get some hints here.

Thanks again,
Arthur

#8

quote the sentences in the blog:

"
Our first choice for a payment gateway was AuthorizeNet.
The **whole RoR community seems to be using it**, and their rates were
quite acceptable.
"

Arthur

#9

martin:

I'm not trying to antagonize you but I will give you another case I
think is "closer" to the issue.

What about all the threads about which platform is best to develop in
or deploy to? It could be argued that the platform itself has nothing
to do with Rails. Are those Rails specific issues? It depends on how
you look at them. If you want to split hairs you can always find
reasons to argue about anything. Although I might agree with you on
the Rails "specificity" of the question I think that giving a
straight, helpful answer to find information somewhere else is more
useful than saying "don't ask about that here". It is not like if
Arthur was asking about how to code something in C#, his goal is to do
something with his Rails application.

What Arthur was looking for is information. Maybe a gem/plugin has
already been created around one of those third/party tools you
mentioned and is used by most/many Rails developers? It sure would be
nice to know.

We are looking for info, that's all.

conrad:

Thanks for the comments and the links. They are appreciated.