Subscription management and recurring billing apps can be a bit overwhelming in regards to what it all means.
In order to save you the confusion, we have created a beginner’s guide to subscriptions, payment gateways and merchant accounts.
PayFac as a Service: 13 Questions Platforms Must AskWayne Akey
Payment Facilitation as a Service or Payfac as a Service is relatively new. While traditional Payment Facilitation has been around for years, the expense, time consuming implementation and risk exposure makes it prohibitive for all but large organizations with a substantial customer base. The reason for this is that the expense must be offset by revenue from payment processing. Without a significant payments revenue stream it simply does not provide a sufficient ROI.
PayFac as a Service enables platforms to quickly add payments as a revenue generation tool, offer instant boarding and offload compliance and risk management. This is accomplished by allowing the platform to essentially act as a sub Payment Facilitator, using a master PayFac’s technology and experience to quickly go to market and create new revenue streams.
There are multiple providers all with their own API’s and their way of doing things. This can be confusing for platforms looking at the PayFac as a Service option. For the purposes of this discussion we are looking at platforms that primarily have card not present needs. If you are developing a POS solution and need consumer facing hardware these questions are a good starting point but you will need hardware specific questions addressed.
ACH Tokenization - New Rules for handing bank account dataWayne Akey
ACH Tokenization is now mandated for businesses processing ACH Payments. Securing ACH account and routing numbers are now required for ACH transactions. This brings the ACH world into a PCI compliant-like environment
Payment Gateway Integration: A Growth Strategy for developers and SAAS providers.pdfIconPayment Gateways play an integral role in ecommerce and the ability to embed payment-processing functionality inside applications. Authorize.net founded in 1996 was the first to market
Top 10 Features and Benefits of eCommerce Payment GatewayeMerchant Pro
You need a dedicated payment service provider for your company. An eCommerce Payment Gateway that ensures a complete payment processing solution is a necessity today.
ACH API Integration and Recurring PaymentsWayne Akey
An ACH API Integration offers platforms with payment solutions the ability to add an ACH Payment option. ACH Payments are much less expensive than credit cards and also offer much lower payment decline rates.
PayFac as a Service: 13 Questions Platforms Must AskWayne Akey
Payment Facilitation as a Service or Payfac as a Service is relatively new. While traditional Payment Facilitation has been around for years, the expense, time consuming implementation and risk exposure makes it prohibitive for all but large organizations with a substantial customer base. The reason for this is that the expense must be offset by revenue from payment processing. Without a significant payments revenue stream it simply does not provide a sufficient ROI.
PayFac as a Service enables platforms to quickly add payments as a revenue generation tool, offer instant boarding and offload compliance and risk management. This is accomplished by allowing the platform to essentially act as a sub Payment Facilitator, using a master PayFac’s technology and experience to quickly go to market and create new revenue streams.
There are multiple providers all with their own API’s and their way of doing things. This can be confusing for platforms looking at the PayFac as a Service option. For the purposes of this discussion we are looking at platforms that primarily have card not present needs. If you are developing a POS solution and need consumer facing hardware these questions are a good starting point but you will need hardware specific questions addressed.
ACH Tokenization - New Rules for handing bank account dataWayne Akey
ACH Tokenization is now mandated for businesses processing ACH Payments. Securing ACH account and routing numbers are now required for ACH transactions. This brings the ACH world into a PCI compliant-like environment
Payment Gateway Integration: A Growth Strategy for developers and SAAS providers.pdfIconPayment Gateways play an integral role in ecommerce and the ability to embed payment-processing functionality inside applications. Authorize.net founded in 1996 was the first to market
Top 10 Features and Benefits of eCommerce Payment GatewayeMerchant Pro
You need a dedicated payment service provider for your company. An eCommerce Payment Gateway that ensures a complete payment processing solution is a necessity today.
ACH API Integration and Recurring PaymentsWayne Akey
An ACH API Integration offers platforms with payment solutions the ability to add an ACH Payment option. ACH Payments are much less expensive than credit cards and also offer much lower payment decline rates.
Habitual.AI + HPCC Systems: Accelerating Habit BuildingHPCC Systems
From the 2017 HPCC Systems Community Day:
3LOQ leverages the power of HPCC Systems and Artificial Intelligence to make habitual users resulting in increased engagement, reduced churn, and reduced marketing costs. Learn how 3LOQ utilizes HPCC Systems to swiftly convert ideas to code for rapid iteration, feature engineering, and experimentation.
Anirudh Shah
Founder, 3LOQ Labs
Anirudh is the Founder and Chief Executive Officer at 3LOQ. As an entrepreneur and an engineer from Carnegie Mellon, he excels at bringing challenging technical ideas to reality at 3LOQ and has helped build companies such as Keypoint Technologies and Cafyne. Anirudh brings over a decade of experience in Machine Learning, Natural Language Processing, Software Development, and Mobile Applications to develop marketing analytics that improve business outcomes and reduce marketing expense. In his personal time, Anirudh is an avid photographer and enjoys reading on science and psychology.
A Complete Model of the Payment Service BusinessFrank Steeneken
This slide deck provides a complete picture of the underlying skeletal structure that holds every payment service business together while achieving its goals.
The model introduces a comprehensive framework for managing the complexity of the payment service business structure, and a reusable blueprint for visualizing how a payment service business enterprise actually does business. The model’s clearly-defined core-processes and their functions provide a powerful baseline for improving business performance.
By viewing the payment service business as a single system, fully independent of its implementation, the nature of its underlying core processes becomes clear. Then by managing and improving them as parts of a single system, substantial improvements can be made on critical success factors.
This presentation is devoted to Stripe payment system, which appeared on the market about 5 years ago. Here you'll find out about advantages and disadvantages of using new billing system.
Stripe automates the payout process by offering a controlled flow of funds with Stripe Connect API. It can be integrated with eCommerce marketplaces to facilitate payments automatically. It is highly compliant, secure, and provides instant split payments charging a fixed percentage of money per transaction. To know more about split connect for marketplaces please visit our website.
Learn how credit card integration in CRM software solution help companies automate payment processing. This not only reduces manual errors but also keeps tracking of milestone dates and captures payment without human intervention.
How To Address Failed Credit Card Payments For Business OwnersRecurly
Credit card declines can crush the performance of your business. Recurly’s proprietary decline logic works on your behalf to automatically correct over 60 common error types without having to reach out to your customers. Our ability to correct and successfully retry these cards prevents lost revenue and increases your customer retention rate.
07 factors to consider while choosing an ecommerce payment gatewaySnehaDas60
As we all know, ecommerce portal conversion rates fall as a result of a lack of research when choosing a payment gateway.There are plenty of advance payment channels now that internet commerce has taken over the globe. Choosing the most potent ones, on the other hand, is essential to making the most of it.
For those who have a good understanding of payment gateways, let's look at the important elements to consider when selecting one for your eCommerce site.
Read more......
This graphic explains what PCI compliance is, that is required for all companies that accept credit card transactions, and outlines the PCI Compliance Process.
How does an online payment gateway work? What important features do reliable payment gateways have? What should merchants look for in payment gateways? Learn these and other answers from our guide - https://goo.gl/PtDiqj
Start accepting payments on your website →→→ https://bit.ly/2xIN1Oj
A very understanding presentation about Payment Gateways .
A Payment Gateway is an E-commerce Application service provider. Service that authorises payments for E-business.
please check my slide for further study.
Coping with the Shift to Virtual PaymentsKalle Radage
Presentation from Cardware 2013 conference by Payfirma titled "Coping with the Shift to Virtual Payments". This gives an overview of virtual payments, the ecosystem, and tips for businesses to make the move into virtual (mobile & eCommerce) payments.
Bill Me Later is a real-time credit engine offered at thousands of merchants and is now a part of the PayPal family. This session covers how the Adaptive Payments API is being used to extend the Bill Me Later offering to support PayPal—enabling broader acceptance of both.
Legit Seller Only Fresh Cc,fullz,dumps,paypal,bank Logins Buy Valid Clone ATM Cards Dumps with the Pin SMR. Sell Cvv Good Fresh, Cc Fullz Info and Dumps.
Everything You Need to Know About Virtual Credit CardsRon Griswold
Once seen as a banking commodity, e-payables continues leaning toward tech-minded companies for stronger results.
One provider in particular continues to out-pace all others by focusing on integrating with any software and enrolling 3x more vendors than the rest of the market.
Habitual.AI + HPCC Systems: Accelerating Habit BuildingHPCC Systems
From the 2017 HPCC Systems Community Day:
3LOQ leverages the power of HPCC Systems and Artificial Intelligence to make habitual users resulting in increased engagement, reduced churn, and reduced marketing costs. Learn how 3LOQ utilizes HPCC Systems to swiftly convert ideas to code for rapid iteration, feature engineering, and experimentation.
Anirudh Shah
Founder, 3LOQ Labs
Anirudh is the Founder and Chief Executive Officer at 3LOQ. As an entrepreneur and an engineer from Carnegie Mellon, he excels at bringing challenging technical ideas to reality at 3LOQ and has helped build companies such as Keypoint Technologies and Cafyne. Anirudh brings over a decade of experience in Machine Learning, Natural Language Processing, Software Development, and Mobile Applications to develop marketing analytics that improve business outcomes and reduce marketing expense. In his personal time, Anirudh is an avid photographer and enjoys reading on science and psychology.
A Complete Model of the Payment Service BusinessFrank Steeneken
This slide deck provides a complete picture of the underlying skeletal structure that holds every payment service business together while achieving its goals.
The model introduces a comprehensive framework for managing the complexity of the payment service business structure, and a reusable blueprint for visualizing how a payment service business enterprise actually does business. The model’s clearly-defined core-processes and their functions provide a powerful baseline for improving business performance.
By viewing the payment service business as a single system, fully independent of its implementation, the nature of its underlying core processes becomes clear. Then by managing and improving them as parts of a single system, substantial improvements can be made on critical success factors.
This presentation is devoted to Stripe payment system, which appeared on the market about 5 years ago. Here you'll find out about advantages and disadvantages of using new billing system.
Stripe automates the payout process by offering a controlled flow of funds with Stripe Connect API. It can be integrated with eCommerce marketplaces to facilitate payments automatically. It is highly compliant, secure, and provides instant split payments charging a fixed percentage of money per transaction. To know more about split connect for marketplaces please visit our website.
Learn how credit card integration in CRM software solution help companies automate payment processing. This not only reduces manual errors but also keeps tracking of milestone dates and captures payment without human intervention.
How To Address Failed Credit Card Payments For Business OwnersRecurly
Credit card declines can crush the performance of your business. Recurly’s proprietary decline logic works on your behalf to automatically correct over 60 common error types without having to reach out to your customers. Our ability to correct and successfully retry these cards prevents lost revenue and increases your customer retention rate.
07 factors to consider while choosing an ecommerce payment gatewaySnehaDas60
As we all know, ecommerce portal conversion rates fall as a result of a lack of research when choosing a payment gateway.There are plenty of advance payment channels now that internet commerce has taken over the globe. Choosing the most potent ones, on the other hand, is essential to making the most of it.
For those who have a good understanding of payment gateways, let's look at the important elements to consider when selecting one for your eCommerce site.
Read more......
This graphic explains what PCI compliance is, that is required for all companies that accept credit card transactions, and outlines the PCI Compliance Process.
How does an online payment gateway work? What important features do reliable payment gateways have? What should merchants look for in payment gateways? Learn these and other answers from our guide - https://goo.gl/PtDiqj
Start accepting payments on your website →→→ https://bit.ly/2xIN1Oj
A very understanding presentation about Payment Gateways .
A Payment Gateway is an E-commerce Application service provider. Service that authorises payments for E-business.
please check my slide for further study.
Coping with the Shift to Virtual PaymentsKalle Radage
Presentation from Cardware 2013 conference by Payfirma titled "Coping with the Shift to Virtual Payments". This gives an overview of virtual payments, the ecosystem, and tips for businesses to make the move into virtual (mobile & eCommerce) payments.
Bill Me Later is a real-time credit engine offered at thousands of merchants and is now a part of the PayPal family. This session covers how the Adaptive Payments API is being used to extend the Bill Me Later offering to support PayPal—enabling broader acceptance of both.
Legit Seller Only Fresh Cc,fullz,dumps,paypal,bank Logins Buy Valid Clone ATM Cards Dumps with the Pin SMR. Sell Cvv Good Fresh, Cc Fullz Info and Dumps.
Everything You Need to Know About Virtual Credit CardsRon Griswold
Once seen as a banking commodity, e-payables continues leaning toward tech-minded companies for stronger results.
One provider in particular continues to out-pace all others by focusing on integrating with any software and enrolling 3x more vendors than the rest of the market.
Factors to Consider While Choosing a Payment Gateway ProviderAlaina Carter
A payment gateway is a software that authorizes payment processing for e-businesses. With the help of these payment gateways, it becomes easy to accept several types of electronic payments. Read more to know what are the factors to consider while choosing a payment gateway provider.
Build vs. Buy: The business-critical checklistRecurly
There are innumerable things to consider before building your own subscription management and billing platform. We've compiled a comprehensive checklist for your company to understand all the features and capabilities you'll need in a recurring billing solution.
Divided into five distinct areas, this guide includes guidance for every team, including Product & Development, IT & Security, and Finance & Accounting.
Gain A Deeper Insight About SaaS Companies Prefer To Use Integrated Payment S...Paycron
Aren’t at times you might have wondered why some companies prefer to use integrated payment solutions? Of course, you must have thought about it due to seamless and flawless digital payment solutions. Read full blog.
GETTRX's PayFac-as-a-Service solution allows SaaS platforms and ISVs to boost lifetime values, lower customer acquisition costs, and increase customer engagement. GETTRX’s PayFac-as-a-Service solution is the seamless and simple way for ISVs and SaaS platforms to lower customer acquisition costs, boost lifetime values, and increase customer engagement.
https://www.gettrx.com/payfac-as-a-service/
Our solutions are completely integrated into SAP. You will no longer need to switch between programs, manually input data, cut and paste into Excel or use other non-SAP systems. Maximise your investment in SAP by investing in world’s leading business software.
What Is Mobile App Payment Gateway Integration - consumer-sketch.pptxConsumer Sketch
Hire an expert mobile application development company to develop fast and secure mobile app payment gateway integration for your business mobile application services.
Adapting a Consumer Payment Program to Fit Commercial RequirementsElizabeth Benditt
In a billing and payment program, the mystery of how to maximize B2B profitability is often a simple question of functionality. This paper addresses the common pitfalls of a consumer payment program that hinder commercial growth and goes on to identify value opportunities that can make B2B relationships more profitable.
Adapting a Consumer Payment Program to Fit Commercial RequirementsJoe San Nicolas
In a billing and payment program, the mystery of how to maximize B2B profitability is often a simple question of functionality. This paper addresses the common pitfalls of a consumer payment program that hinder commercial growth and goes on to identify value opportunities that can make B2B relationships more profitable.
Adapting a Consumer Payment Program to Fit Commercial Customer RequirementsPatricia Waguespack
In a billing and payment program, the mystery of how to maximize B2B profitability is often a simple question of functionality. This paper addresses the common pitfalls of a consumer payment program that hinder commercial growth and goes on to identify value opportunities that can make B2B relationships more profitable.
SaaS Revenue Recognition Principles: How to Treat Setup and Implementation Fe...Armanino LLP
Our latest survey of SaaS companies reveals two compelling shifts in revenue recognition.
As SaaS business models and GAAP revenue rules have evolved, companies have adapted their revenue recognition practice, especially in light of the new FASB/IASB revenue recognition standards (effective for public companies in 2017 and private companies in 2018).
Our new SaaS survey analyzes these changing practices and offers insights that can help you evaluate your company’s revenue recognition policies and disclosures.
The results revealed two compelling trends around non-subscription revenues.
Non-subscription revenue recognition remains a moving target for many SaaS companies, which means finance teams must continue to revisit the accuracy, transparency and completeness of their own rev rec policies and disclosures. How do your revenue best practices compare to your peers?
Epistemic Interaction - tuning interfaces to provide information for AI supportAlan Dix
Paper presented at SYNERGY workshop at AVI 2024, Genoa, Italy. 3rd June 2024
https://alandix.com/academic/papers/synergy2024-epistemic/
As machine learning integrates deeper into human-computer interactions, the concept of epistemic interaction emerges, aiming to refine these interactions to enhance system adaptability. This approach encourages minor, intentional adjustments in user behaviour to enrich the data available for system learning. This paper introduces epistemic interaction within the context of human-system communication, illustrating how deliberate interaction design can improve system understanding and adaptation. Through concrete examples, we demonstrate the potential of epistemic interaction to significantly advance human-computer interaction by leveraging intuitive human communication strategies to inform system design and functionality, offering a novel pathway for enriching user-system engagements.
Encryption in Microsoft 365 - ExpertsLive Netherlands 2024Albert Hoitingh
In this session I delve into the encryption technology used in Microsoft 365 and Microsoft Purview. Including the concepts of Customer Key and Double Key Encryption.
GDG Cloud Southlake #33: Boule & Rebala: Effective AppSec in SDLC using Deplo...James Anderson
Effective Application Security in Software Delivery lifecycle using Deployment Firewall and DBOM
The modern software delivery process (or the CI/CD process) includes many tools, distributed teams, open-source code, and cloud platforms. Constant focus on speed to release software to market, along with the traditional slow and manual security checks has caused gaps in continuous security as an important piece in the software supply chain. Today organizations feel more susceptible to external and internal cyber threats due to the vast attack surface in their applications supply chain and the lack of end-to-end governance and risk management.
The software team must secure its software delivery process to avoid vulnerability and security breaches. This needs to be achieved with existing tool chains and without extensive rework of the delivery processes. This talk will present strategies and techniques for providing visibility into the true risk of the existing vulnerabilities, preventing the introduction of security issues in the software, resolving vulnerabilities in production environments quickly, and capturing the deployment bill of materials (DBOM).
Speakers:
Bob Boule
Robert Boule is a technology enthusiast with PASSION for technology and making things work along with a knack for helping others understand how things work. He comes with around 20 years of solution engineering experience in application security, software continuous delivery, and SaaS platforms. He is known for his dynamic presentations in CI/CD and application security integrated in software delivery lifecycle.
Gopinath Rebala
Gopinath Rebala is the CTO of OpsMx, where he has overall responsibility for the machine learning and data processing architectures for Secure Software Delivery. Gopi also has a strong connection with our customers, leading design and architecture for strategic implementations. Gopi is a frequent speaker and well-known leader in continuous delivery and integrating security into software delivery.
Connector Corner: Automate dynamic content and events by pushing a buttonDianaGray10
Here is something new! In our next Connector Corner webinar, we will demonstrate how you can use a single workflow to:
Create a campaign using Mailchimp with merge tags/fields
Send an interactive Slack channel message (using buttons)
Have the message received by managers and peers along with a test email for review
But there’s more:
In a second workflow supporting the same use case, you’ll see:
Your campaign sent to target colleagues for approval
If the “Approve” button is clicked, a Jira/Zendesk ticket is created for the marketing design team
But—if the “Reject” button is pushed, colleagues will be alerted via Slack message
Join us to learn more about this new, human-in-the-loop capability, brought to you by Integration Service connectors.
And...
Speakers:
Akshay Agnihotri, Product Manager
Charlie Greenberg, Host
Transcript: Selling digital books in 2024: Insights from industry leaders - T...BookNet Canada
The publishing industry has been selling digital audiobooks and ebooks for over a decade and has found its groove. What’s changed? What has stayed the same? Where do we go from here? Join a group of leading sales peers from across the industry for a conversation about the lessons learned since the popularization of digital books, best practices, digital book supply chain management, and more.
Link to video recording: https://bnctechforum.ca/sessions/selling-digital-books-in-2024-insights-from-industry-leaders/
Presented by BookNet Canada on May 28, 2024, with support from the Department of Canadian Heritage.
Key Trends Shaping the Future of Infrastructure.pdfCheryl Hung
Keynote at DIGIT West Expo, Glasgow on 29 May 2024.
Cheryl Hung, ochery.com
Sr Director, Infrastructure Ecosystem, Arm.
The key trends across hardware, cloud and open-source; exploring how these areas are likely to mature and develop over the short and long-term, and then considering how organisations can position themselves to adapt and thrive.
State of ICS and IoT Cyber Threat Landscape Report 2024 previewPrayukth K V
The IoT and OT threat landscape report has been prepared by the Threat Research Team at Sectrio using data from Sectrio, cyber threat intelligence farming facilities spread across over 85 cities around the world. In addition, Sectrio also runs AI-based advanced threat and payload engagement facilities that serve as sinks to attract and engage sophisticated threat actors, and newer malware including new variants and latent threats that are at an earlier stage of development.
The latest edition of the OT/ICS and IoT security Threat Landscape Report 2024 also covers:
State of global ICS asset and network exposure
Sectoral targets and attacks as well as the cost of ransom
Global APT activity, AI usage, actor and tactic profiles, and implications
Rise in volumes of AI-powered cyberattacks
Major cyber events in 2024
Malware and malicious payload trends
Cyberattack types and targets
Vulnerability exploit attempts on CVEs
Attacks on counties – USA
Expansion of bot farms – how, where, and why
In-depth analysis of the cyber threat landscape across North America, South America, Europe, APAC, and the Middle East
Why are attacks on smart factories rising?
Cyber risk predictions
Axis of attacks – Europe
Systemic attacks in the Middle East
Download the full report from here:
https://sectrio.com/resources/ot-threat-landscape-reports/sectrio-releases-ot-ics-and-iot-security-threat-landscape-report-2024/
Smart TV Buyer Insights Survey 2024 by 91mobiles.pdf91mobiles
91mobiles recently conducted a Smart TV Buyer Insights Survey in which we asked over 3,000 respondents about the TV they own, aspects they look at on a new TV, and their TV buying preferences.
Slack (or Teams) Automation for Bonterra Impact Management (fka Social Soluti...Jeffrey Haguewood
Sidekick Solutions uses Bonterra Impact Management (fka Social Solutions Apricot) and automation solutions to integrate data for business workflows.
We believe integration and automation are essential to user experience and the promise of efficient work through technology. Automation is the critical ingredient to realizing that full vision. We develop integration products and services for Bonterra Case Management software to support the deployment of automations for a variety of use cases.
This video focuses on the notifications, alerts, and approval requests using Slack for Bonterra Impact Management. The solutions covered in this webinar can also be deployed for Microsoft Teams.
Interested in deploying notification automations for Bonterra Impact Management? Contact us at sales@sidekicksolutionsllc.com to discuss next steps.
Dev Dives: Train smarter, not harder – active learning and UiPath LLMs for do...UiPathCommunity
💥 Speed, accuracy, and scaling – discover the superpowers of GenAI in action with UiPath Document Understanding and Communications Mining™:
See how to accelerate model training and optimize model performance with active learning
Learn about the latest enhancements to out-of-the-box document processing – with little to no training required
Get an exclusive demo of the new family of UiPath LLMs – GenAI models specialized for processing different types of documents and messages
This is a hands-on session specifically designed for automation developers and AI enthusiasts seeking to enhance their knowledge in leveraging the latest intelligent document processing capabilities offered by UiPath.
Speakers:
👨🏫 Andras Palfi, Senior Product Manager, UiPath
👩🏫 Lenka Dulovicova, Product Program Manager, UiPath
LF Energy Webinar: Electrical Grid Modelling and Simulation Through PowSyBl -...DanBrown980551
Do you want to learn how to model and simulate an electrical network from scratch in under an hour?
Then welcome to this PowSyBl workshop, hosted by Rte, the French Transmission System Operator (TSO)!
During the webinar, you will discover the PowSyBl ecosystem as well as handle and study an electrical network through an interactive Python notebook.
PowSyBl is an open source project hosted by LF Energy, which offers a comprehensive set of features for electrical grid modelling and simulation. Among other advanced features, PowSyBl provides:
- A fully editable and extendable library for grid component modelling;
- Visualization tools to display your network;
- Grid simulation tools, such as power flows, security analyses (with or without remedial actions) and sensitivity analyses;
The framework is mostly written in Java, with a Python binding so that Python developers can access PowSyBl functionalities as well.
What you will learn during the webinar:
- For beginners: discover PowSyBl's functionalities through a quick general presentation and the notebook, without needing any expert coding skills;
- For advanced developers: master the skills to efficiently apply PowSyBl functionalities to your real-world scenarios.
LF Energy Webinar: Electrical Grid Modelling and Simulation Through PowSyBl -...
How to pick a recurring billing & payment provider
1. How to Pick a Recurring Billing &
Payment Provider
Referral SaaSquatch
The Customer Referral Program for Web Apps
2. Overview
Subscription management and recurring billing apps can be
a bit overwhelming in regards to what it all means.
In order to save you the confusion, we have created a
beginner’s guide to subscriptions, payment gateways and
merchant accounts.
As well as defining these aspects, the companies who
provide these services are listed.
ReferralSaaSquatch.com
@getSaaSquatch
3. Overview
Payment
Gateways
Merchant
Accounts
Subscrip7on
&
Recurring
Billing
Programs
Company
Comparison
Charts
How
Do
I
Pick
What’s
Right
for
Me?
An
Addi7onal
Method
to
Narrow
it
Down.
ReferralSaaSquatch.com
@getSaaSquatch
4. Payment Gateways
Payment Gateways are the backbone of
online payments and e-commerce of all
kinds. If someone is taking your credit card
online, they are probably using a Payment
Gateway.
These gateways connect you to all the
major credit card companies in order to
make it easy to collect any kind of credit
card you want without having to submit to
Payment Card Industry (PCI) compliance.
ReferralSaaSquatch.com
Source: hIp://7nyurl.com/qjlpm8j
@getSaaSquatch
5. Merchant Accounts
Once the credit card is charged, the payment
needs to go somewhere. This is where a
merchant account comes in.
Essentially, a merchant account is a type of bank
account that allows businesses to accept
money from payment cards. If you wish to
accept money online, you’re going to need a
merchant account.
You might not always realize one of these
accounts is involved due to the fact that some
Payment Gateways will provide you with this
account behind the scenes. Regardless, there is
always a merchant account in the mix.
ReferralSaaSquatch.com
Source: hIp://7nyurl.com/qzsctah
@getSaaSquatch
6. Subscription & Recurring Billing
Services
Payment Gateways and Merchant accounts have you covered when you want to
charge a credit card and make sure that the money ends up in your account.
But, what about payments that need to be charged and/or adjusted every
month?
Subscription and Recurring Billing services contain a credit card vault and a list
of recurring charges.
These systems make sure that the right people get charged the right amount
every month.
ReferralSaaSquatch.com
@getSaaSquatch
7. Subscription & Recurring Billing
Services
Some services focus entirely on the problem of Recurring Billing management
and were built on top of existing payment gateways and merchant accounts.
The companies that focus on recurring billing as their core have developed a
bunch of features to make your life as a software developer easier.
Examples of this include sending emails to your customers with their invoices,
pro-rating upgrades and downgrades, and managing dunning (i.e. handling
when a credit card has expired or rejected a charge).
ReferralSaaSquatch.com
@getSaaSquatch
9. Other Gateway Payment Models:
Comparison Chart
*Zuora also offers some finance features that don’t seem to require subscription integration.
ReferralSaaSquatch.com
@getSaaSquatch
10. How Do I Pick What’s Right for Me?
In general, there are three major questions you must ask
yourself in order to narrow down your search:
What do your payments look like?
Where are you?
How much can you spend?
ReferralSaaSquatch.com
@getSaaSquatch
11. Question 1:What do your #
Payments Look Like?
Are
you
doing
simple
plan-‐based
billing
or
are
you
charging
for
variable
usage?
If you’re building something
complicated, then you probably want
to look at a company that focuses on
SaaS as their primary business.
ReferralSaaSquatch.com
If you’re doing simple plan-based
billing, you'll be pleasantly
surprised at how easy it can be to
configure a Hybrid gateway to fit
your needs.
@getSaaSquatch
12. Question 2: Where are you?
Some
providers
are
only
available
in
select
countries
or
regions.
What
is
the
assortment
of
providers
that
are
available
in
your
area?
ReferralSaaSquatch.com
Payment processing law is
complicated and highly regiondependent.
You want to make sure you
have the right mix of Payment
Gateway and management
layer to help you navigate the
legal maze for where your
company is headquartered,
@getSaaSquatch
13. Question 3: How Much #
Can You Spend?
Most
hybrid
gateways
don’t
charge
extra
for
their
subscrip6on
layers.
This
allows
you
to
keep
the
cost
of
small
projects
rela7vely
low.
However,
if
you
need
the
power
of
subscrip6on-‐focused
services
for
more
complex
projects,
you’re
going
to
have
to
pay
extra.
Most
companies
have
a
mix
of
a
monthly
fee
plus
transac6on
fee,
and
don’t
charge
extra
to
get
started.
However,
some
companies
charge
upfront
fees
and
only
work
with
clients
with
over
$1M
in
yearly
revenue.
ReferralSaaSquatch.com
@getSaaSquatch
14. An Additional Way to Help #
Narrow It Down
At the end of the day, you need to make sure that you trust
your provider to be easy to use, give good support, and grow
along with you.
ReferralSaaSquatch.com
@getSaaSquatch