Payments · Node.js

Are there any alternatives to Paypal and Skrill that support Node.JS?

Reiner Bruns Product Owner & Project Manager

December 24th, 2014

We want to payout many small amounts to users regularly and hit the wall with the requirements of Paypal mass payments (you need an account and/or business support manager assigned to your account to be eligible for the mass payments function). We quickly found that Skrill (MoneyBookers) is also offering mass payments (they seem to target online casino's amongst others) but no NodeJS support.

Brenton Webster

December 24th, 2014

You can use Stripe's Transfer feature for this: https://stripe.com/docs/tutorials/sending-transfers

Basically, it allows you to issue transfers to bank accounts or debit cards. Stripe also supports NodeJS.

Hope that helps.

Cheers,
Brenton

Alberto Alonso President at Global Gate Systems LLC.

December 24th, 2014

You picked my interest on Skrill (never heard of it before). It does expose an HTTPs API, therefore you can directly use it in node. Page 8 in:

https://www.skrill.com/fileadmin/templates/main/res/material/documents/pdf/getting-started/skrill-automated-payment-interface-manual-en.pdf

Also stripe (as mentiioned above) and Amazon micro payments.

Anonymous

December 24th, 2014

If you're interested in using ACH, I can recommend both Balanced and Bill.com.  We pay a high number of monthly payments out every month via ACH and regularly collect funds the same way, and both of those companies work fairly well.  Stripe is rolling out their ACH program and I believe it's in beta, but that should be more widely available soon.

Wichly Cazeau Founder and Owner at Tydynics

December 26th, 2014

I'll add to all the great answers/ suggestions. PaymentWall may be an okay it fit as well, hope it helps...

Reiner Bruns Product Owner & Project Manager

December 25th, 2014

Thank you Jacob, but Bitcoin doesn't fulfil one of our requirements really well: it's value isn't as clear to people, as other currencies are. We have Bitcoin support in our backlog, but to start, we would prefer offering official currencies to our users.

Alberto, I will have to talk to the developer who told me about Skrill not being a possibility. Thank you for letting me know, I'll have a look at it myself together with Balanced and Bill.com as suggested by Alan and Ray.

Another service I stumbled upon is Tipalti. Any thoughts on them?

Reiner Bruns Product Owner & Project Manager

December 29th, 2014

Thank you everyone for the great answers.

I had a look at those suggestions and found that almost all of the services cater to the US market only. ACH is a US system that isn't implemented in Europe (where we're based). I should have mentioned that in my original posting - my bad! This knocked most of the great suggestions of my list.

Also, I would like to avoid having to store user's bank account details and transaction histories in our platform, so we prefer services that offer payments to an id such as an email or other type of handle. So we're back at Skrill, thanks again Alberto for letting me know that they're exposing an HTTPS API.

Jacob Gostylo Bitcoin Expert and Developer

December 24th, 2014

Bitcoin is a fully capable public ledger that handles very small payments really well and there is no limit on the number of payments that you can make. Obviously you may run into the issue where many people don't want bitcoin or know what to do with it. There are some workarounds you could use. For instance you can instruct users on how to set up a coinbase account. To the end user it would be like having a paypal account. They can convert bitcoin into dollars or euro when they want and transfer it to their bank account.

Anonymous

December 26th, 2014

Dwolla has a NodeJS interface available here, in addition to others. It is a PayPal-like offering that focuses exclusively on ACH related transactions. They have a mass-pay feature. As the company is tied to the US banking system, there are no currently options available for international payments. 

All transaction under $10.00 are free. Transactions $10.00 and more are a flat $0.25 per payment. I am uncertain if that would fit the need. Good luck regardless.

Jacob Gostylo Bitcoin Expert and Developer

December 24th, 2014

Oh, also for a great nodejs library for bitcoin I would recommend bitcore. And if you just wanted blockchain access chain.com has a good node library. Coinbase has a restful API to automate your account (payments, conversions, and blockchain information). If you are working in nodejs it would not be hard to get your application to use it with the https or require libraries.

Matthew James

December 26th, 2014

Stripe all the way in my opinion. Moreover, it's also a good option If you're present and or expanding into "the Eurozone."

I am still not sold on Bitcoin usage. In the past 1-2 years, I have heard a disturbing amount of stories of people losing significant amounts of money/ investments in bitcoin.