I have used Moneris, and one provided by Costco and a bank before. They are all terrible SOAP garbage, but they work. I cannot recommend any for the US market as I am Canadian, maybe others have suggestions?
Yes, want to understand the trade off and would like to know what the challenge is in integrating directly with a payment provider that is closer to the networks / banks. I love Stripe for how easy it is to get started with but I am looking for opportunities to save cost further but getting closer to the acquirer
Curious: you must have done a lot of groundwork to provide the whole stack as a solution, would love to hear from you how you internally select the processors you work with. Or are you directly integrated with banks and card networks?
Sure - it's always evolving as we add more gateways and payment methods. We currently have three Stripe gateways (each region), WorldPay and Checkout.com.
We find that payments getting accepted is dependent on a whole number of things and having the ability to re-route and retry based on the location of the transaction massively helps boost chances of it going through.
You're absolutely correct in that haha - we exist to make sure teams don't have to do all this work internally themselves, as it becomes increasingly messy the more you grow.
Can I ask what category of product it is you're selling?
Exactly my concern, I'm basically looking to get a service provider that is as close to card networks or banks as possible. Not looking at which one is "pretty" at all. Willing to work with that provider to integrate them with my website
I currently operate only in US and I am willing to put in the effort for integration, PCI compliance etc. Do you have any recommendations for the local processors you mentioned?
