How do you collect payments from your customers?
What payment providers do you use to get paid on-line for services? I am based in Europe and I need a solution that would work worldwide and provide customers with various options. I am looking into Stripe and PayPal.
I am wondering if it's safe to sell services with PayPal given that PayPal can refund customers? Any help appreciated. Thanks!
I asked a similar question some months ago: https://www.indiehackers.com/post/how-do-you-handle-subscription-billing-in-2020-aa293976bd?commentId=-MBdZuy61Cz7c_B54Chi
My company is incorporated in Austria so I needed a VAT friendly solution too. Ended up using Paddle. Feel free to reach out - happy to help :)
Whether it's PayPal or any type of credit card processing the customer is generally going to be able to get a refund either from you (your best alternative) or a dispute/charge back from PayPal/Credit Card.
It generally won't matter that the service was provided; the customer can claim it wasn't as advertised, didn't work with (fill in blank) etc...
Rather than worry about trying to prevent it you should offer some type of money back guarantee for X number of days and just refund customers directly if they request it. This will reduce friction for new signups and build good will with customers. Unhappy customers will quit quickly within your guarantee window. You don't want to be dealing with charge backs as they have additional fees over a simple refund and if you have to many of them the payment processer can ban you.
I agree. And I have a money-back guarantee. It's a good practice. But what I know about PayPal is that there are people abusing it. I heard it with regards to selling goods, for example, when people got paid via Payal but handed over the physical stuff, e.g. a laptop personally without asking anything to be signed to prove the handover. So I was wondering how that works with services that are not tangible.
Project 1: PayPal + PaymentWall (credit cards) + PayU (local instant transfers from Polish banks).
Project 2: PayPal + PayLane (credit cards).
How do you make sure that after you delivered a service you have a proof in case if there will be a dispute?
I believe this is payment operator independent. With credit cards you can perform a chargeback similarly to PayPal.
Regarding proving the provided service - user-generated data and logs could help, but nothing is a 100% irrefutable proof.
I use Stripe with Stripe Checkout. Means I don't have to build any kind of checkout pages. On the minus side, customers have to email me to manage their subscriptions.
Gumroad has subscription management.
You can send them to their unique management portal automatically with some backend and frontend configuration. Let me know if you need help.
Sounds cool - is this an off-the-shelf solution? I am planning to custom-build subscription management eventually, just not my top priority ATM.
Yes, this is mentioned in their docs. https://stripe.com/docs/billing/subscriptions/customer-portal
The idea is to create a new session for the user, whenever the user clicks on Manage my subscription. I've done this for my app. You just need to pass in - { customerId, returnUrl }
Ahhh love it - thanks so much! Super helpful
Probably, to manage subscription automatically, you need to integrate stripe using their api?