With thanks to our sponsors
THE STATE OF
IN AUSTRALIA
History
• 1992: books.com sells books online
with credit card processing
• 1995: Ebay was founded
• 1999: Alibaba establis...
About Ben
• Senior Software Architect
at SSW
• I love Beer
• I love Payments
• Not in that order
History
Agenda
PCI Compliance
How do online payments work?
Taking payments the hard way
Online payments get better with Pa...
How do credit card payments work?
EFTPOS Terminal
Merchant Bank
Issuing Bank
How do online payments work?
Payment Processor
Merchant Bank
Issuing Bank
My Server
50% Shop Online June 2013 – Roy Morgan Research
Start thinking
Plenty of opportunity to create products
that deal with payments
I want to hear good ideas by the end of
th...
merchant account
pci compliance
It applies to everyone
Want to accept VISA or Mastercard?
I thought so.
Yes, even the small guys
If your se...
PayPal
 2.4% + 30c /transaction
 Too many APIs
 REST API is OK
 https://www.paypal.com/au/
PayPal isn’t too bad
• Can remember details
• Familiar brand
• New Invoicing REST API
Pin Payments
 3.0% + 30c /transaction
 2.6% + 30c /transaction
 Nice REST API
 Recurring Billing
 Australia Focused
...
Pin is pretty good
• Australian focus with
cool popup
• Quick and simple
Ben
stripe
Stripe
 2.7% + 30c /transaction
 The Best REST API
 Recurring Billing
 Coupons
 Stripe Checkout
 Stripe Connect
 St...
Stripe is Rad
• Best at everything
• Server side charging
• Sweet animations
Improvements
• PayPal – Javascript library for
Tokenising Credit Cards
• Pin – Make payments on behalf of
other accounts
•...
Some free ideas
• Chat roulette for English Lessons
• NuStore – App store style nuget
packages
• Instant Online Orders for...
Custom Forms and Payments
EventDebit.com
 Stripe Integration
 Shameless Plug
 Not a finished product
 Not really a pro...
Senior Software Architect at SSW
BenjiiCull
@benjii22
bencull1
Ben Cull
Ben
audience
Thank you!
info@ssw.com.au
www.ssw.com.au
Sydney | Melbourne | Brisbane | Adelaide
The State of Payments in Australia - DDD Melbourne
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The State of Payments in Australia - DDD Melbourne

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Ben Cull takes you through the state of payments in Australia. You'll be shown everything from the old and clunky way to take payments. to the new and exciting. A bit of history is thrown in for good measure.

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The State of Payments in Australia - DDD Melbourne

  1. 1. With thanks to our sponsors
  2. 2. THE STATE OF IN AUSTRALIA
  3. 3. History • 1992: books.com sells books online with credit card processing • 1995: Ebay was founded • 1999: Alibaba established in China • 2002: eBay acquires PayPal • 2011: Ben’s favourite company was publicly launched
  4. 4. About Ben • Senior Software Architect at SSW • I love Beer • I love Payments • Not in that order
  5. 5. History Agenda PCI Compliance How do online payments work? Taking payments the hard way Online payments get better with PayPal Taking payments with Ben’s favourite company
  6. 6. How do credit card payments work? EFTPOS Terminal Merchant Bank Issuing Bank
  7. 7. How do online payments work? Payment Processor Merchant Bank Issuing Bank My Server
  8. 8. 50% Shop Online June 2013 – Roy Morgan Research
  9. 9. Start thinking Plenty of opportunity to create products that deal with payments I want to hear good ideas by the end of the presentation Tweet to #ideas #dddmelb
  10. 10. merchant account
  11. 11. pci compliance It applies to everyone Want to accept VISA or Mastercard? I thought so. Yes, even the small guys If your server so much as glances at a credit card number, you’re liable. You can avoid it Just never directly accept a credit card number PCI Tips
  12. 12. PayPal  2.4% + 30c /transaction  Too many APIs  REST API is OK  https://www.paypal.com/au/
  13. 13. PayPal isn’t too bad • Can remember details • Familiar brand • New Invoicing REST API
  14. 14. Pin Payments  3.0% + 30c /transaction  2.6% + 30c /transaction  Nice REST API  Recurring Billing  Australia Focused  https://pin.net.au
  15. 15. Pin is pretty good • Australian focus with cool popup • Quick and simple
  16. 16. Ben stripe
  17. 17. Stripe  2.7% + 30c /transaction  The Best REST API  Recurring Billing  Coupons  Stripe Checkout  Stripe Connect  Stripe Marketplace  https://stripe.com
  18. 18. Stripe is Rad • Best at everything • Server side charging • Sweet animations
  19. 19. Improvements • PayPal – Javascript library for Tokenising Credit Cards • Pin – Make payments on behalf of other accounts • Stripe – Remember your details across the web
  20. 20. Some free ideas • Chat roulette for English Lessons • NuStore – App store style nuget packages • Instant Online Orders for Cafes/Coffee • BandStarter – Kickstarter for bands • Sublet Car Park out of hours app
  21. 21. Custom Forms and Payments EventDebit.com  Stripe Integration  Shameless Plug  Not a finished product  Not really a product
  22. 22. Senior Software Architect at SSW BenjiiCull @benjii22 bencull1 Ben Cull
  23. 23. Ben audience
  24. 24. Thank you! info@ssw.com.au www.ssw.com.au Sydney | Melbourne | Brisbane | Adelaide

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