This slides reflect the problems of a SaaS product (in our case a platform used by others) regarding payment gatewatys. It trains to explain how payment gateways work and the problems they have. All of it focused on the european and spanish situation. Finally it's the first mention of Payout, the programmer-friendly payment gateway we are trying to build. The video (spanish) of the talk can be found here: http://vimeo.com/43974768

1. DATING
payment
gateways
a short tale of love and hate.

2. stage
Our own humble scenario.

3. NO hassle
Stage helps you to sell tickets online easily.

4. cashflow!

5. ent
vem event
mo
“Small” fee taken ney
mo e) organizer’s
flin
(of bank account
ow
efl
lin
on
Organizer’s
Payment Processor
Credit Card Transaction
Details Approved

6. NOT EASY
How many organizers have
their own payment gateway?

7. Paypal
Quick & Dirty.

9. some limitations
Technical problems you can meet in the travel.

10. PROBLEMS? ME?
Does PayPal hate events?

11. spanish
banks
Oh, shit.

12. opTional* - Secure 3D

13. WEIRD LIMITS
Obsolete technology, bureaucracy and other shit.

14. Becoming
a gateway
L' Allemagne... deux points.

15. seller’s
Buyer’s bank
bank account
ity
a m e ent
es
oft en th
monthly
Credit card‘s
Issuer
ly
ek
we
every n
Credit card dail Merchant’s months
y
network bank
weekly
ts reserve
men
o ve nt
e
s m tlem
e t
fi
oti r se
n fo
seller’s
website

16. seller’s
Buyer’s bank
bank account
ity
a m e ent
es
GASP!
oft en th
monthly
Credit card‘s
Issuer
ly
ek
we
every n
Credit card dail Merchant’s months
y
network bank
weekly
ts reserve
men
o ve nt
e
s m tlem
e t
fi
oti r se
n fo
seller’s
website

17. seller’s
Buyer’s bank
bank account
ity
a m e ent
es
oft en th
monthly
Credit card‘s
Issuer
ly
ek
we
every n
Credit card dail Merchant’s months
y
network bank
weekly
ts reserve
m en
o ve nt
es m leme
tifi sett
no or
f
seller’s
website

18. transaction
types
Authentication, authorization, capture, purchase, recurring and others

19. options IN
europe
What are the alternatives for -continental- Europe?

20. INTERNATIONAL
TRANSFERs
SEPA, Europe and rest of the world

21. CURRENCIES
There is life after Euro. And fees.

22. PAYOUT
A payment gateway without hassle.

23. payment seller’s
gateways bank account
nightmare
*
lly
ca
di
rio
pe
Payout

24. EUROPE
eNABLED

25. THANKS
Alberto Molpeceres - Linking Paths
@molpe - @linkingpaths