Personal experience with payment processors that offer very simple transaction processing?
August 11, 2009 6:22 AM   Subscribe

Personal experience with payment processors that offer very simple on-site credit card entry and the ability to sell digital goods (i.e., license codes, subscriptions, etc.). I'd like customers to enter the bare minimum of payment information.

I'd like to accept credit-card payments on my website. I can already do this with Paypal or Google Checkout, but they are more complex than I'd prefer for this particular venture. Features I'd like include:
  • Bare minimum of data entry. I've purchased from sites that require only the credit card number and an expiration date. Examples include paying for a new account on Shopify, or paying for a checked bag on Delta and US Airways. I don't need to collect names, shipping information, or anything else for this product. It's a very inexpensive virtual good, which is why I'd like to make the customer payment experience as painless and hassle-free as possible.
  • Entry of data on my site, or at least visually similar enough to appear to be my site. Examples include Panic Software, Shopify, Delta, and US Airways.*
  • Able to process digital goods that are unique to each customer. Panic Software is a good example here. Immediately after you pay you get the product unlock code, which is unique to that transaction. I want this to be completely automatic. Out of the box Google Checkout doesn't seem to work for this. With their API it looks like it could work, but they don't meet my other requirements.
Do you have personal experience with payment processors that meet most or all of these requirements?

* Note on PCI compliance: This requirement is really a visual thing. The actual HTML form doesn't need to come from my server. I'm not interested in actually storing the credit card data - I'd still like it to go directly to the payment processor without passing through me. I just want the customer to have a seamless experience of not appearing to leave my site.
posted by odinsdream to Computers & Internet 1 user marked this as a favorite
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