dating payment gateways (in europe and spain)

25
DATING payment gateways a short tale of love and hate.

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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

Page 1: Dating payment gateways (in Europe and Spain)

DATINGpaymentgateways

a short tale of love and hate.

Page 2: Dating payment gateways (in Europe and Spain)

stageOur own humble scenario.

Page 3: Dating payment gateways (in Europe and Spain)

NO hassleStage helps you to sell tickets online easily.

Page 4: Dating payment gateways (in Europe and Spain)

cashflow!

Page 5: Dating payment gateways (in Europe and Spain)

money movement

(offline)

online flow

eventorganizer’s

bank account

Organizer’sPayment Processor

Transaction Approved

“Small” fee taken

Credit CardDetails

Page 6: Dating payment gateways (in Europe and Spain)

NOT EASYHow many organizers have

their own payment gateway?

Page 7: Dating payment gateways (in Europe and Spain)

PaypalQuick & Dirty.

Page 8: Dating payment gateways (in Europe and Spain)
Page 9: Dating payment gateways (in Europe and Spain)

some limitationsTechnical problems you can meet in the travel.

Page 10: Dating payment gateways (in Europe and Spain)

PROBLEMS? ME?Does PayPal hate events?

Page 11: Dating payment gateways (in Europe and Spain)

spanish banks

Oh, shit.

Page 12: Dating payment gateways (in Europe and Spain)

opTional* - Secure 3D

Page 13: Dating payment gateways (in Europe and Spain)

WEIRD LIMITSObsolete technology, bureaucracy and other shit.

Page 14: Dating payment gateways (in Europe and Spain)

Becominga gateway

L' Allemagne... deux points.

Page 15: Dating payment gateways (in Europe and Spain)

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

Page 16: Dating payment gateways (in Europe and Spain)

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!

Page 17: Dating payment gateways (in Europe and Spain)

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

Page 18: Dating payment gateways (in Europe and Spain)

transactiontypes

Authentication, authorization, capture, purchase, recurring and others

Page 19: Dating payment gateways (in Europe and Spain)

options INeurope

What are the alternatives for -continental- Europe?

Page 20: Dating payment gateways (in Europe and Spain)

INTERNATIONAL TRANSFERs

SEPA, Europe and rest of the world

Page 21: Dating payment gateways (in Europe and Spain)

CURRENCIESThere is life after Euro. And fees.

Page 22: Dating payment gateways (in Europe and Spain)

PAYOUT A payment gateway without hassle.

Page 23: Dating payment gateways (in Europe and Spain)

perio

dicall

y *

payment gatewaysnightmare

Payout

seller’sbank account

Page 24: Dating payment gateways (in Europe and Spain)

EUROPEeNABLED

Page 25: Dating payment gateways (in Europe and Spain)

THANKSAlberto Molpeceres - Linking Paths

@molpe - @linkingpaths