Alternatives to Stripe Billing

Dear StackShare Community,

I am seeking inspiration on creating a billing & subscription stack and came across this wonderful website and community.

From what I understood so far, I need something like Stripe or Braintree to collect payments without dealing with PCI compliance or setting up merchant accounts, etc... Additionally, services like Chargebee, Recurly, Chargify, etc. are said to make life easier when dealing with recurring billing.

Stated below, I've tried to give you some context on what I want to achieve. I am very curious about your ideas and how you'd configure an optimal stack.

Project context (very high level):

• Loyalty program for local merchants (stores, restaurants,...).

• Customers support their community and merchants by shopping local.

• Merchants grant points to customers based on a customer's value spent in a store, restaurant, etc.

• Customers can redeem their points at any participating merchant.

Billing / Subscription scenarios to be considered:

(affecting merchants only)

One-time setup fee

• What: Merchant pays a setup fee by signing up for the service

• Where: Order placed on the website

Monthly retainer fee

• What: Merchant pays a monthly recurring retainer for the service.

• Where: Order placed on the website

Manually initiated payment

• What: Merchant initiates a payment to top up his virtual points wallet. E.g. pays 100 USD to top up 100000 points which then can be used by the merchant for granting points to customers.

• Why: Points issued to members need to be paid for by the merchant. We first considered billing the merchants post-ante, e.g. monthly based on the points they've granted to their customers in the last 30 days, but this seems too risky: If they can't / won't pay we'd still have to pay out points to the customers (technically to the merchants where the customers redeem their points). Thus, the pragmatic idea to reduce risk by having the merchants to pre-pay for their points by topping up their balance.

• Where: Web application (with the merchant logged in)

• Nice to have: Opt-in for automatically initiated top-ups if a merchant's balance falls below a certain amount.

Invoicing

• What: After every transaction (setup, retainer, top-up,...), we need to automatically issue and send (E-Mail) an invoice to the merchant.

• Nice to have: Customer portal with all their invoices.

Other potentially relevant parameters

• Currency: Only Euro

• Country: Only Germany (so far)

• Tax: Only one tax rate

• Payment for setup & retainer: Credit Card; ideally SEPA Direct Debit (but that still causes headache due to the SEPA regulatory and risk of chargebacks still after weeks), PayPal?

• Payment for top-up: Same as above plus any other that makes sense (Klarna, Sofort, PayPal...)

Again, thank you very much for sharing your ideas and thoughts! I'd highly appreciate any input :-)

Running a subscription service with just direct calls to Stripe or similar payment gateways is possible but also needs dedicated person(s) for decent amount of development and maintenance.

Plus features like updating card details, invoice history - all these can be built. Again, more dev work and resources.

Use of subscription platform like Chargebee or Recurly is definitely a great help here.

Chargebee offered a simple pay-as-you-go transparent pricing and almost trivial signup process.

#Paymentgatewayintegration

Dear StackShare Community,

I am seeking inspiration on creating a billing & subscription stack and came across this wonderful website and community.

From what I understood so far, I need something like Stripe or Braintree to collect payments without dealing with PCI compliance or setting up merchant accounts, etc... Additionally, services like Chargebee, Recurly, Chargify, etc. are said to make life easier when dealing with recurring billing.

Stated below, I've tried to give you some context on what I want to achieve. I am very curious about your ideas and how you'd configure an optimal stack.

Project context (very high level):

• Loyalty program for local merchants (stores, restaurants,...).

• Customers support their community and merchants by shopping local.

• Merchants grant points to customers based on a customer's value spent in a store, restaurant, etc.

• Customers can redeem their points at any participating merchant.

Billing / Subscription scenarios to be considered:

(affecting merchants only)

One-time setup fee

• What: Merchant pays a setup fee by signing up for the service

• Where: Order placed on the website

Monthly retainer fee

• What: Merchant pays a monthly recurring retainer for the service.

• Where: Order placed on the website

Manually initiated payment

• What: Merchant initiates a payment to top up his virtual points wallet. E.g. pays 100 USD to top up 100000 points which then can be used by the merchant for granting points to customers.

• Why: Points issued to members need to be paid for by the merchant. We first considered billing the merchants post-ante, e.g. monthly based on the points they've granted to their customers in the last 30 days, but this seems too risky: If they can't / won't pay we'd still have to pay out points to the customers (technically to the merchants where the customers redeem their points). Thus, the pragmatic idea to reduce risk by having the merchants to pre-pay for their points by topping up their balance.

• Where: Web application (with the merchant logged in)

• Nice to have: Opt-in for automatically initiated top-ups if a merchant's balance falls below a certain amount.

Invoicing

• What: After every transaction (setup, retainer, top-up,...), we need to automatically issue and send (E-Mail) an invoice to the merchant.

• Nice to have: Customer portal with all their invoices.

Other potentially relevant parameters

• Currency: Only Euro

• Country: Only Germany (so far)

• Tax: Only one tax rate

• Payment for setup & retainer: Credit Card; ideally SEPA Direct Debit (but that still causes headache due to the SEPA regulatory and risk of chargebacks still after weeks), PayPal?

• Payment for top-up: Same as above plus any other that makes sense (Klarna, Sofort, PayPal...)

Again, thank you very much for sharing your ideas and thoughts! I'd highly appreciate any input :-)

Stripe or Paddle for payment processing for SaaS?

we used Stripe + Chargebee once and will NEVER use them again (they charge too much (300usd/month while offering way fewer integrations than Stripe)

Furthermore, Chargebee doesn't support managing disputes. We still need to go to stripe for that.

Looking forward to hearing your thoughts

To accept payments on updown.io, we first added support for Stripe which is by far the most popular payment gateway for startups and for a good reason. Their service is of awesome quality: the UI is gorgeous, the integration is easy, the documentation is great, the API is super stable and well thought. I can't recommend it enough.

We then added support for PayPal which is pretty popular for people who have money on it and don't know where to spend it (it can make it feel like you're spending less when it comes from PayPal wallet), or for people who prefer not to enter a credit card on a new website. This was pretty well received and we're currently receiving about 25% of our purchases from PayPal. The documentation and integration is much more painful than with Stripe IMO, I can't recommend them for that, but not having it is basically dodging potential sales.

Finally we more recently added support of BitPay for #Bitcoin and BitcoinCash payments, which was a pretty easy process but not worth the time in the end due to the low usage and the always changing conditions of the network: the transaction fees got huge after price raise and bitcoin because unusable for small payments, they then introduced support for BCH and a newer Bitcoin protocol for lower fees, but then you need a special wallet to pay and in the end it's too cumbersome, even for bitcoin users, to pay with it. I think unless you expect a bit number of payments using cryptocurrencies it's not worth implementing this solution, and better to accept them manually.

I use Laravel because it's the most advances PHP framework out there, easy to maintain, easy to upgrade and most of all : easy to get a handle on, and to follow every new technology ! PhpStorm is our main software to code, as of simplicity and full range of tools for a modern application.

Google Analytics Analytics of course for a tailored analytics, Bulma as an innovative CSS framework, coupled with our Sass (Scss) pre-processor.

As of more basic stuff, we use HTML5, JavaScript (but with Vue.js too) and Webpack to handle the generation of all this.

To deploy, we set up Buddy to easily send the updates on our nginx / Ubuntu server, where it will connect to our GitHub Git private repository, pull and do all the operations needed with Deployer .

CloudFlare ensure the rapidity of distribution of our content, and Let's Encrypt the https certificate that is more than necessary when we'll want to sell some products with our Stripe api calls.

Asana is here to let us list all the functionalities, possibilities and ideas we want to implement.

Oof. I have truly hated JavaScript for a long time. Like, for over twenty years now. Like, since the Clinton administration. It's always been a nightmare to deal with all of the aspects of that silly language.

But wowza, things have changed. Tooling is just way, way better. I'm primarily web-oriented, and using React and Apollo together the past few years really opened my eyes to building rich apps. And I deeply apologize for using the phrase rich apps; I don't think I've ever said such Enterprisey words before.

But yeah, things are different now. I still love Rails, and still use it for a lot of apps I build. But it's that silly rich apps phrase that's the problem. Users have way more comprehensive expectations than they did even five years ago, and the JS community does a good job at building tools and tech that tackle the problems of making heavy, complicated UI and frontend work.

Obviously there's a lot of things happening here, so just saying "JavaScript isn't terrible" might encompass a huge amount of libraries and frameworks. But if you're like me, yeah, give things another shot- I'm somehow not hating on JavaScript anymore and... gulp... I kinda love it.

How Uber developed the open source, end-to-end distributed tracing Jaeger , now a CNCF project:

Distributed tracing is quickly becoming a must-have component in the tools that organizations use to monitor their complex, microservice-based architectures. At Uber, our open source distributed tracing system Jaeger saw large-scale internal adoption throughout 2016, integrated into hundreds of microservices and now recording thousands of traces every second.

Here is the story of how we got here, from investigating off-the-shelf solutions like Zipkin, to why we switched from pull to push architecture, and how distributed tracing will continue to evolve:

https://eng.uber.com/distributed-tracing/

(GitHub Pages : https://www.jaegertracing.io/, GitHub: https://github.com/jaegertracing/jaeger)

Bindings/Operator: Python Java Node.js Go C++ Kubernetes JavaScript OpenShift C# Apache Spark

Our whole DevOps stack consists of the following tools:

• GitHub (incl. GitHub Pages/Markdown for Documentation, GettingStarted and HowTo's) for collaborative review and code management tool
• Respectively Git as revision control system
• SourceTree as Git GUI
• Visual Studio Code as IDE
• CircleCI for continuous integration (automatize development process)
• Prettier / TSLint / ESLint as code linter
• SonarQube as quality gate
• Docker as container management (incl. Docker Compose for multi-container application management)
• VirtualBox for operating system simulation tests
• Kubernetes as cluster management for docker containers
• Heroku for deploying in test environments
• nginx as web server (preferably used as facade server in production environment)
• SSLMate (using OpenSSL) for certificate management
• Amazon EC2 (incl. Amazon S3) for deploying in stage (production-like) and production environments
• PostgreSQL as preferred database system
• Redis as preferred in-memory database/store (great for caching)

The main reason we have chosen Kubernetes over Docker Swarm is related to the following artifacts:

• Key features: Easy and flexible installation, Clear dashboard, Great scaling operations, Monitoring is an integral part, Great load balancing concepts, Monitors the condition and ensures compensation in the event of failure.
• Applications: An application can be deployed using a combination of pods, deployments, and services (or micro-services).
• Functionality: Kubernetes as a complex installation and setup process, but it not as limited as Docker Swarm.
• Monitoring: It supports multiple versions of logging and monitoring when the services are deployed within the cluster (Elasticsearch/Kibana (ELK), Heapster/Grafana, Sysdig cloud integration).
• Scalability: All-in-one framework for distributed systems.
• Other Benefits: Kubernetes is backed by the Cloud Native Computing Foundation (CNCF), huge community among container orchestration tools, it is an open source and modular tool that works with any OS.

Often enough I have to explain my way of going about setting up a CI/CD pipeline with multiple deployment platforms. Since I am a bit tired of yapping the same every single time, I've decided to write it up and share with the world this way, and send people to read it instead ;). I will explain it on "live-example" of how the Rome got built, basing that current methodology exists only of readme.md and wishes of good luck (as it usually is ;)).

It always starts with an app, whatever it may be and reading the readmes available while Vagrant and VirtualBox is installing and updating. Following that is the first hurdle to go over - convert all the instruction/scripts into Ansible playbook(s), and only stopping when doing a clear vagrant up or vagrant reload we will have a fully working environment. As our Vagrant environment is now functional, it's time to break it! This is the moment to look for how things can be done better (too rigid/too lose versioning? Sloppy environment setup?) and replace them with the right way to do stuff, one that won't bite us in the backside. This is the point, and the best opportunity, to upcycle the existing way of doing dev environment to produce a proper, production-grade product.

I should probably digress here for a moment and explain why. I firmly believe that the way you deploy production is the same way you should deploy develop, shy of few debugging-friendly setting. This way you avoid the discrepancy between how production work vs how development works, which almost always causes major pains in the back of the neck, and with use of proper tools should mean no more work for the developers. That's why we start with Vagrant as developer boxes should be as easy as vagrant up, but the meat of our product lies in Ansible which will do meat of the work and can be applied to almost anything: AWS, bare metal, docker, LXC, in open net, behind vpn - you name it.

We must also give proper consideration to monitoring and logging hoovering at this point. My generic answer here is to grab Elasticsearch, Kibana, and Logstash. While for different use cases there may be better solutions, this one is well battle-tested, performs reasonably and is very easy to scale both vertically (within some limits) and horizontally. Logstash rules are easy to write and are well supported in maintenance through Ansible, which as I've mentioned earlier, are at the very core of things, and creating triggers/reports and alerts based on Elastic and Kibana is generally a breeze, including some quite complex aggregations.

If we are happy with the state of the Ansible it's time to move on and put all those roles and playbooks to work. Namely, we need something to manage our CI/CD pipelines. For me, the choice is obvious: TeamCity. It's modern, robust and unlike most of the light-weight alternatives, it's transparent. What I mean by that is that it doesn't tell you how to do things, doesn't limit your ways to deploy, or test, or package for that matter. Instead, it provides a developer-friendly and rich playground for your pipelines. You can do most the same with Jenkins, but it has a quite dated look and feel to it, while also missing some key functionality that must be brought in via plugins (like quality REST API which comes built-in with TeamCity). It also comes with all the common-handy plugins like Slack or Apache Maven integration.

The exact flow between CI and CD varies too greatly from one application to another to describe, so I will outline a few rules that guide me in it: 1. Make build steps as small as possible. This way when something breaks, we know exactly where, without needing to dig and root around. 2. All security credentials besides development environment must be sources from individual Vault instances. Keys to those containers should exist only on the CI/CD box and accessible by a few people (the less the better). This is pretty self-explanatory, as anything besides dev may contain sensitive data and, at times, be public-facing. Because of that appropriate security must be present. TeamCity shines in this department with excellent secrets-management. 3. Every part of the build chain shall consume and produce artifacts. If it creates nothing, it likely shouldn't be its own build. This way if any issue shows up with any environment or version, all developer has to do it is grab appropriate artifacts to reproduce the issue locally. 4. Deployment builds should be directly tied to specific Git branches/tags. This enables much easier tracking of what caused an issue, including automated identifying and tagging the author (nothing like automated regression testing!).

Speaking of deployments, I generally try to keep it simple but also with a close eye on the wallet. Because of that, I am more than happy with AWS or another cloud provider, but also constantly peeking at the loads and do we get the value of what we are paying for. Often enough the pattern of use is not constantly erratic, but rather has a firm baseline which could be migrated away from the cloud and into bare metal boxes. That is another part where this approach strongly triumphs over the common Docker and CircleCI setup, where you are very much tied in to use cloud providers and getting out is expensive. Here to embrace bare-metal hosting all you need is a help of some container-based self-hosting software, my personal preference is with Proxmox and LXC. Following that all you must write are ansible scripts to manage hardware of Proxmox, similar way as you do for Amazon EC2 (ansible supports both greatly) and you are good to go. One does not exclude another, quite the opposite, as they can live in great synergy and cut your costs dramatically (the heavier your base load, the bigger the savings) while providing production-grade resiliency.

I was building a personal project that I needed to store items in a real time database. I am more comfortable with my Frontend skills than my backend so I didn't want to spend time building out anything in Ruby or Go.

I stumbled on Firebase by #Google, and it was really all I needed. It had realtime data, an area for storing file uploads and best of all for the amount of data I needed it was free!

I built out my application using tools I was familiar with, React for the framework, Redux.js to manage my state across components, and styled-components for the styling.

Now as this was a project I was just working on in my free time for fun I didn't really want to pay for hosting. I did some research and I found Netlify. I had actually seen them at #ReactRally the year before and deployed a Gatsby site to Netlify already.

Netlify was very easy to setup and link to my GitHub account you select a repo and pretty much with very little configuration you have a live site that will deploy every time you push to master.

With the selection of these tools I was able to build out my application, connect it to a realtime database, and deploy to a live environment all with $0 spent.

If you're looking to build out a small app I suggest giving these tools a go as you can get your idea out into the real world for absolutely no cost.

Context: I wanted to create an end to end IoT data pipeline simulation in Google Cloud IoT Core and other GCP services. I never touched Terraform meaningfully until working on this project, and it's one of the best explorations in my development career. The documentation and syntax is incredibly human-readable and friendly. I'm used to building infrastructure through the google apis via Python , but I'm so glad past Sung did not make that decision. I was tempted to use Google Cloud Deployment Manager, but the templates were a bit convoluted by first impression. I'm glad past Sung did not make this decision either.

Solution: Leveraging Google Cloud Build Google Cloud Run Google Cloud Bigtable Google BigQuery Google Cloud Storage Google Compute Engine along with some other fun tools, I can deploy over 40 GCP resources using Terraform!

Check Out My Architecture: CLICK ME

Check out the GitHub repo attached

How Uber developed the open source, end-to-end distributed tracing Jaeger , now a CNCF project:

Distributed tracing is quickly becoming a must-have component in the tools that organizations use to monitor their complex, microservice-based architectures. At Uber, our open source distributed tracing system Jaeger saw large-scale internal adoption throughout 2016, integrated into hundreds of microservices and now recording thousands of traces every second.

Here is the story of how we got here, from investigating off-the-shelf solutions like Zipkin, to why we switched from pull to push architecture, and how distributed tracing will continue to evolve:

https://eng.uber.com/distributed-tracing/

(GitHub Pages : https://www.jaegertracing.io/, GitHub: https://github.com/jaegertracing/jaeger)

Bindings/Operator: Python Java Node.js Go C++ Kubernetes JavaScript OpenShift C# Apache Spark

Winds 2.0 is an open source Podcast/RSS reader developed by Stream with a core goal to enable a wide range of developers to contribute.

We chose JavaScript because nearly every developer knows or can, at the very least, read JavaScript. With ES6 and Node.js v10.x.x, it’s become a very capable language. Async/Await is powerful and easy to use (Async/Await vs Promises). Babel allows us to experiment with next-generation JavaScript (features that are not in the official JavaScript spec yet). Yarn allows us to consistently install packages quickly (and is filled with tons of new tricks)

We’re using JavaScript for everything – both front and backend. Most of our team is experienced with Go and Python, so Node was not an obvious choice for this app.

Sure... there will be haters who refuse to acknowledge that there is anything remotely positive about JavaScript (there are even rants on Hacker News about Node.js); however, without writing completely in JavaScript, we would not have seen the results we did.

#FrameworksFullStack #Languages