Stripe

En general lo utilizamos para el proceso de cobro de todos los productos que vendemos, es fácil de auditar y dar seguimiento a las compras realizadas por nuestros clientes en caso de cualquier queja, por lo cual es fácil darles una respuesta pronta.

Puntos a favor

El apartado en su página web permite fácilmente crear productos, planes e incluso por mociones o cupones de descuento; después estos datos pueden ser implementados en cualquier desarrollo web o móvil simplificando mucho así la administración de la cobranza.
En general acepta la mayoría de tarjetas y divisas. Lo utilizamos en México mucho antes que tuvieran oficinas abiertas en este país por su simplicidad.

Puntos en contra

El esquema y relación plan, producto/precio, puede ser confuso al principio, más si se planean crear en otra plataforma que no es propiamente la de stripe, pero es posible mediante su api que está en javascript y .net.

Mala mala mala, empece a operar y devolvieron todos los saldos a los clientes, haciendo poner mi empresa en peligro tanto por la imagen de cara al cliente como el negativo de caja. Dejaron de responder al correo y nadie se comunicaba conmigo para unas explicaciones claras. Malisima experiencia.

Puntos a favor

La facilidad de abrir cuenta y empezar a funcionar

Puntos en contra

El tiempo en depositar tu dinero en la cuenta y si llegan a ingresarlo.

Very positive. Great alternative for start up businesses, or online businesses that can save a lot of time.

Puntos a favor

So you can use Stripe with invoicing and subscription software or you can build out your own system if you are a geek that is PCI compliant fairly easily. Almost everything has an integration option and if you get stuck with a problem for whatever reason you can log into the dashboard and usually figure it out from there, if you can't they have great support documentation and even a chat option. Compared to similar competitors you even save a little bit. I especially like their ACH fees, some of the lowest I've seen.
An added bonus is that I don't have to pay for monthly statement fees or pay the annual PCI compliance fee and surveys because they add that into the flat rate.

Puntos en contra

Only thing I'd like to see is an option to download statements in a PDF format like previous merchant processing providers, but rarely do I need it.

In general, Stripe has worked well for us after we made the switch two years ago when we updated our website. The best feature for us is the ability to have monthly donors running through Stripe, which has helped our monthly donations increase. I would recommend Stripe to other non-profits but with the caution that it was not built for non-profits and that it can be tricky to understand - I would not recommend it to someone that wasn't at least somewhat tech-savvy and capable of figuring out how it all works.

Puntos a favor

Stripe has been beneficial for processing donations through our website. Our favorite feature is that it can do both one-time and recurring donations so our monthly donors can run through it as well as the donors who give once or sporadically. It can collect a lot of information that can all be exported out of Stripe for our donor database. We like that you can choose when funds will be automatically transferred to your bank account and change it when necessary - for example, for most of the year we have it transfer funds weekly. However, at year-end when donations are very high we switch to daily transfers. There is also the option to do manual transfers as well. Donations are grouped into "batches" when transfers are done so you can make sure the bank transfer matches the batch amount in Stripe and also matches the amount entered in the donor database (if you're a non-profit). You can also easily refund someone if needed, which has been helpful several times. Overall, this software does what it needs to do and has some great functionality along with it.

Puntos en contra

Stripe was a bit of a learning curve for us because it is clearly intended for for-profit companies or small businesses rather than non-profits. There are many features we don't use that I wish could be turned off or hidden so that it was one less thing lingering on the dashboard. Another thing that is difficult is that Stripe ties everything to an email address rather than a person's name, so if you are trying to find a specific person but don't know their email address it can be hard to find them in the system. In general, their support team is pretty helpful and easy to work with but it's all done through chat and email - there have been times where it would've been much more helpful if we could have talked on the phone while looking at Stripe together.

Easy to use, but that one positive note comes with terrible policies, very expensive rates, and awful customer service.

Puntos a favor

It is commonly used and easily syncs with many major online sources. The unfortunate side of that is they have terrible policies and are expensive on the processing fee.

Puntos en contra

The "Dispute" aspect of this platform is a joke. The processing fee is also ridiculously high considering how poor their customer service is. We have had 5 occurrences already of clients "disputing" payments and the client wins every time. The frustration grows knowing all of the "disputes" of clients came after our company carried out the service, the client got what they wanted, and we did not get paid for it.
To add to it, these disputes that favored the client after review, came after our company supplied Stripe with signed contracts, proof of conversations on the topic/invoice, and proof of the client utilizing the service. All for nothing after we charged the client and less than a week later they "Disputed" the service, won and got all their money back resulting in our company being out the revenue and having to personally pay for the service to our employees.
We are an event venue so this is extremely unfortunate because all 5 of these occurrences of disputes that we lost have happened after the event and service was provided to the client.
I would not recommend Stripe to anyone from our experiences. Our company changed our policies and is no longer using Stripe due to these experiences and losing thousands of dollars due to their loose policies.