How do you handle payments?

Been in Micro SaaS Ecosystem for good amount of time.

Below are a few platforms you can use to accept SaaS payments.

• Stripe: The most popular SaaS payment/billing platform. Stripe is fully integrated with most third-party applications as well. For example, many newsletters, community applications, NoCode tools, etc., have direct integration with Stripe. Stripe is not fully available in a few countries. Make sure to check Stripe availability in your country. If Stripe is not available in your country and you still prefer to use Stripe, you can register your company using Stripe Atlas(or any other similar service) to register a company in the US and get a Stripe account to operate. Note that, with Stripe you need to handle all the taxes by yourself. Stripe can be used for most cases like SaaS subscriptions, Service/Freelancer/Support work-based payments, Info product payments, Marketplace payments, etc.

• Paddle: Paddle is also a pretty advanced system for SaaS subscription/billing/payments etc. But the main difference between Stripe and Paddle is - While Stripe only handles the payments for you, Paddle actually acts as a reseller for your product/software. So, technically the users are buying SaaS (or other products) from Paddle while Paddle buys from you. While this sounds a little bit confusing, this actually makes tax processing/filing much easier for individuals/bootstrappers as the primary tax handling across the world (wherever your product is sold) is taken care of by Paddle while you have to file your normal taxes for your payments from Paddle.

While these are the top two popular players, you can also use PayPal, Gumroad, etc. too, to accept payments, but they don’t perfectly fit this use case.

I use PayPro Global for https://jsjobbs.com/ . Integration was fairly easy and I haven't had any problems with them so far. Also they are a Merchant of Record which helps me not to have to bother about VAT & Sales tax.

Gumroad, for a quick and dirty setup. But gets the job done.

Easiest for use - definitely Stripe. Their API is the best and very well documented.

PayPal - avoid, it's a big hassle with subscriptions and their API is 💩

We're about to explore Paddle, but I've heard mixed opinions about them.

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B2B Subscription so we will be launching with Stripe for subscription management

I'm currently evaluating Stripe and Paddle, and one thing that's really confusing about Stripe is which of their services/products I would need for a recurring saas business and to make an "apples-to-apples" comparison with Paddle.

I think I would need the following:

Stripe Payments 2.9% + $0.30
Stripe Billing 0.5%
Stripe Tax 0.5%
(maybe) Stripe Radar Chargeback Protection 0.4% ... though Paddle seems to charge a fee for chargebacks.

When I look at it this way, pricing on Paddle at 5% + $0.50 doesn't seem too far off from Stripe. Do others have experience with this?

Wave Apps is really simple and easy to get going.

I use Stripe for my latest project. However if you want to remain sane, find an implementation example that matches your requirement and implement, that way you can avoid having to read too much of the massive documentation.

I've been using FastSpring since the start of https://rocketvalidator.com and I'm pretty happy with it. It acts as a reseller, so that simplifies a lot the legal aspects, taxes, etc.

I have considered Stripe as it's the most popular platform, but it would be more complicated to set up legally when you want to sell globally I think.

I'll take a look at Paddle as an alternative to FastSpring (looks cheaper, 5% commission instead of the ~8% in FastSpring), also Paddle is becoming quite popular recently so I want to know why.

Setup with FastSpring is quite easy, you define your recurring products, link to their page passing a referrer for your user, and they send you back webhooks with the subscription events so you can update the user accordingly.

Kinde (auth provider) is building in billing functionality for customers to use next year with Stripe. Hard to go past them, they seem leaps and bounds ahead

i use all three paypal for some business, stripe and gumroad and some times payoneer for transfers based on the products/client

For the sake of simplicity, I currently only offer PayPal. I have the feeling that for many users, the barrier to pay is lowest with PayPal.

So far, from time to time there are requests to pay differently. Then I offer manual solutions (bank transfer) in direct contact with the user. This hasn't happened so often, which is why I will stay with PayPal for the time being.

Hi, just signed up so cannot make posts. I am solo running a site and someone interested has asked me to switch out the payment methods from currently PayPal to Stripe. I don't know how to do that on the backend. can someone run me through technically please? Can't find clear enough resources online. Would appreciate all help.... Site is built on LAMP stack PHP MySQL

stripe is good option, for Indian payments you may refer to RazorPay SDK/API. They have additional option of UPI which most Indians are familiar with.

Personally I used razor-pay SDK while integrating to android app, its just 10 20 lines of code, they have mechanism inplace for security concerns of payment, also customisation are available. I noticed pizza-hut using their API.

https://razorpay.com/integrations/

Stripe has the best UX by far. PayPal is a huge scam be careful.

Stripe is expensive though and can cause you trouble when you scale and start improving your billing ops ( like going for recurly + Braintree, for example). Many companies simply pay up for the superior UX. It will depend on your strategy though

I personally use BuyMeACofee and Stripe but here is a list I got from the Indie Lottery with the tools most used by Indie Makers

From the >200 indie products on the website, the most used payment tools are:

1- Stripe (35%)
2- Paypal (15%)
3- Gumroad (13%)
4- Paddle (6%)
5- BuyMeACoffee (6%)
Others (Chargebee, Shopify Pay, Venmo, etc...)

We use Stripe for our new product and have very good experience with it so far. Seems like everyone uses Stripe these days and I can see why, as its very intuitive and great documentation.

I use Stripe but Paddle is good as well! Avoid PayPal like the plague.

I am building a SaaS (seoforg.com) and I am planning to use Stripe for it. it's super easy to use.

I use Stripe, super easy to integrate and secure.

Stripe checkout!

Stripe Checkout!

Hands down - Stripe.

I'm also trying to stay away from PayPal as much as possible.

My experience is actually maybe somewhat unique but if you want to take crypto payments or let users buy your web3 product (NFTs) with a credit card, Circle is great

I used Stripe. I have to use Stripe recurrent payment, that was super easy to integrate.

Hey I use stripe in https://remotefrontendjobs.com. Really easy to set up, literally took me less than 2 hours to set up the stage and production environments. Almost felt weird that something so important that used to be so hard to implement is now a matter of installing a package and configuring it..

Stripe is definitely the most used one, however recently a lot of people are switching to Paddle for Saas businesses

Our product is related to LinkedIn Automaiton tool and our product name is Linkedcamp.com . we use stripe to handle our payments.

We use Stripe, you could use any of them... but not PayPal please :)

stripe, decently easy to implement and has a really nice dashboard/reports etc;

I think this also depends on the exact type of product you're creating. I use SendOwl as my product is distributed online and because of this tool, I can integrate Stripe directly and don't need to code anything to set up immediate distribution of my product when someone pays. Equally, I don't have to code anything to support the process of someone unsubscribing.

Just thought to mention, but this tip is more applicable to low-code builders like me!

If you want to sell yourself and not through a reseller like Paddle, Stripe has another big advantage: You can use Stripe Invoice and Stripe Tax to get rid of all taxing and invoicing issues.

I did quite some research to find that among the payment platforms, Stripe is the only one that regards VAT, which is a big issue at least for European businesses. They also charge less than the resellers, but you have to handle every single invoice instead of aggregated invoices of a reseller.

Hey guys, thanks for all the feedback. There are two solid choices from the majority here.

I will be trying out Stripe & Paddle and see which one is right for my use-case :)
Cheers y'all 🍺

Stripe and through the AppStore. Stripe is much more flexible though, you can do a lot of things

I'd love to be able to use either Stripe or Paddle, however, these are not available in my country (Serbia) yet, so using some local alternatives. It is what it is 🤷‍♂️

Another Paddle customer - so bookkeeping is a 5 minute task.

I use Paddle for https://folge.me . Pretty happy with everything, except their customer support which sometimes takes one or two days to reply to simple questions.
Paddle does reverse VAT for me, which is a massive relief.

I always stick to stripe since I find it quite easy to implement.

I use Paddle and Stripe, I like more paddle because of the dashboard simplicity and I feel that the API is overall better.

I'd go with Stripe at the moment.

Stripe

The quickest way to implement Stripe is PriceWell
I'm the founder, happy to jump on a call with anyone to discuss payment options.

Stripe all the way!

Hard to beat Stripe + getrevin.com

I’ve also used Staxpayments (~$200 a month instead of charging a % above what you owe the cc company), PayPro global (cheaper than paddle), Quaderno (add on for tax things) and Paddle.

In the end, my current revenue isn’t quite enough to justify Stax, but even when it is I will likely stick with stripe + getrevin.

BuyMeACoffee offers Payoneer payouts and you don't need a registered business to use it, and it has an simple integration widget for websites. I've been wondering why it's so underused as a platform: I guess most of the 1st world uses Paypal? For anyone who can't use Paypal and its derivatives such as Gumroad it's the option I found for myself, although I don't really use it either way.

Payoneer also works with fiverr, upwork and patreon. I wish ko-fi had Payoneer but they don't, so we are stuck with BMAC.

I would share it short:

• Stripe
• Paddle
• Lemon Squeezy
• Fastspring
• Chargebee