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 established in China

• 2002: eBay acquires PayPal

• 2011: Ben’s favourite company was publicly launched

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 PayPal

Taking payments with Ben’s favourite company

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 the presentation

Tweet to #ideas #dddmelb

merchant account

pci compliance

It applies to everyoneWant to accept VISA or Mastercard?

I thought so.

Yes, even the small guysIf your server so much as glances at

a credit card number, you’re liable.

You can avoid itJust never directly accept a credit

card number

PCI Tips

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 https://pin.net.au

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

Stripe Marketplace

https://stripe.com

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

• Stripe – Remember your details across the web

Some free ideas

• Chat roulette for English Lessons

• NuStore – App store style nugetpackages

• Instant Online Orders for Cafes/Coffee

• BandStarter – Kickstarter for bands

• Sublet Car Park out of hours app

Custom Forms and Payments

EventDebit.com

Stripe Integration

Shameless Plug

Not a finished product

Not really a product

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