dating payment gateways (in europe and spain)

Post on 23-Jan-2015

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This slides reflect the problems of a SaaS product (in our case a platform used by others) regarding payment gatewatys. It trains to explain how payment gateways work and the problems they have. All of it focused on the european and spanish situation. Finally it's the first mention of Payout, the programmer-friendly payment gateway we are trying to build. The video (spanish) of the talk can be found here: http://vimeo.com/43974768

TRANSCRIPT

DATINGpaymentgateways

a short tale of love and hate.

stageOur own humble scenario.

NO hassleStage helps you to sell tickets online easily.

cashflow!

money movement

(offline)

online flow

eventorganizer’s

bank account

Organizer’sPayment Processor

Transaction Approved

“Small” fee taken

Credit CardDetails

NOT EASYHow many organizers have

their own payment gateway?

PaypalQuick & Dirty.

some limitationsTechnical problems you can meet in the travel.

PROBLEMS? ME?Does PayPal hate events?

spanish banks

Oh, shit.

opTional* - Secure 3D

WEIRD LIMITSObsolete technology, bureaucracy and other shit.

Becominga gateway

L' Allemagne... deux points.

daily

weekl

y

monthly

weekly

every nmonths

often the same entityBuyer’s bank

Credit card‘sIssuer

Credit cardnetwork

Merchant’sbank

reserve

notifies movements

for settle

ment

seller’sbank account

seller’swebsite

daily

weekl

y

monthly

weekly

every nmonths

often the same entityBuyer’s bank

Credit card‘sIssuer

Credit cardnetwork

Merchant’sbank

reserve

notifies movements

for settle

ment

seller’sbank account

seller’swebsite

GASP!

daily

weekl

y

monthly

weekly

every nmonths

often the same entityBuyer’s bank

Credit card‘sIssuer

Credit cardnetwork

Merchant’sbank

reserve

notifies movements

for settle

ment

seller’sbank account

seller’swebsite

transactiontypes

Authentication, authorization, capture, purchase, recurring and others

options INeurope

What are the alternatives for -continental- Europe?

INTERNATIONAL TRANSFERs

SEPA, Europe and rest of the world

CURRENCIESThere is life after Euro. And fees.

PAYOUT A payment gateway without hassle.

perio

dicall

y *

payment gatewaysnightmare

Payout

seller’sbank account

EUROPEeNABLED

THANKSAlberto Molpeceres - Linking Paths

@molpe - @linkingpaths

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