I'm in the process of once again researching Rails payment gateways for
a couple of my production sites. I wanted to gather opinions and
thoughts on what you all are using, and why you may or may not like it.
My current payment gateway includes Paypal and Zong.
Zong is a mobile credits system where you can pay by phone, but it still
has its own issues, namely how much providers will allow a phone to be
charged in the U.S. Once you go above a certain price range, they
automatically request credit card payments instead and future purchases,
regardless of price range, are processed via the credit card. I don't
particularly like this feature, or how they implement an iframe solution
for their payment processing system. I have created a full system for
Rails for use with this payment provider, but I haven't released the
Paypal seems to be pretty consistent. However, I have run into some
issues where they have processed a virtual subscription and then within
5 minutes voided the sale without sending notification via IPN. The
explanation they provide is that the person paid from an IP address that
was in a location that may have appeared suspect. Usually, following up
with the customer directly, I find that they did attempt payment and
that Paypal's security dropped the ball so to speak on the entire
process. Luckily, I find less than 2 to 3% of all virtual sales to
encounter this security block.
The greatest issue I've encountered with both is the ability to process
payments from a mobile phone without creating a custom app. I use
jQuery Mobile with Rails 3 and wrap my site around a mobile browser for
phone users. I have not found a way for either Zong or Paypal to
correctly zoom the logins based off a mobile aspect. Paypal has their
own mobile app. Zong has neither. This leaves me without a mobile
based payment process system.
What I would like to accomplish is this:
HTML and MOBILE payment processing (must have)
Credit Card processing (must have)
* Pay by Phone (verizon/AT&T) (optional)
Please provide any feedback.