[Rails] Re: Rails Payment Gateway Solutions

So I researched PayPal in comparison to Stripe and came up with the
following:

Stripe:

Charges 2.9% + $0.30 cents per transaction with a $15.00 charge back fee
if a customer disputes the charge. They have no monthly fee.

Can be wrapped into jQuery Mobile and used on mobile phones.

Requires SSL even though you don't process the card payments on site.

Supports Credit Card Payments only

Only US based and does not support International

PayPal: Standard

Charges 2.9% + $0.30 cents per transaction with no chargeback fees.
They also have no monthly fee for the standard package. They also have
a reduction in costs based on the dollar amount:

$3,000 - $10,000 : 2.5% + $0.30 cents
$10,000+ : 2.2% + $0.30 cents

They now have a new mobile view wrapper so that you can now use their
services on mobile phones without applications.

Does not require SSL.

Supports Credit Card Payments and Bank Transfers through PayPal

US and International

PayPal: Advanced

Exactly the same as Standard except they also charge a $5 dollar monthly
fee and you use an iFrame to make the payments feel native to your
application.

---

External Features: Stripe has a control panel with external testing and
callback mechanisms. PayPal has a developer sandbox with external
testing and callback mechanisms. The API documentation for both are
easy to use and setup. Both support PGP certs for encryption.

At this point I'd have to say that both solutions are very close. That
chargeback cost and the non-US based support are huge downsides for me
though.

I hope some of this helps others.

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