Since you added PayPal, you might as well throw Braintree in there. It's pretty great. I've been happy using it for an app I'm working on. Oh, and Mailchimp's API, too. I have a feeling that this list is going to go on and on.
Well, i think 37Signals, YardEngine and GitHub uses BrainTree instead of Paypal, and IMO BrainTree is the best solution. I was helping the guys of http://rega.la to build the online payment part and i noted that for Credit Card payment is so cool.
Other way you can use is BOKU(http://www.boku.com/) which uses mobile carriers to make the money transaction in 3 simple steps.
If you want to try out both PayPal and cards, you should probably use Braintree Payments. They even process your first $50k for free, which is great for startups. Uber and Airbnb use them, see how seamless those checkouts are?
Some of those companies are actually based on the new PayPal X.
We used PayPal's Recurring Payments for http://www.placevine.com and it has been an absolute nightmare. Charges get declined for seemingly random reasons, the management console is riddled with bugs, and support has been useless.
One of the best services out there is http://www.braintreepayments.com/ but you can also look at http://www.2checkout.com. Both of them have great solutions depending on what you need. We are migrating from PayPal to BrainTree this spring.
I'm just looking to provide an online payment experience to supplement their in-person payments, so I'm looking for integrating credit card payments specifically, rather than bitcoin or snail mail
At the moment I'm using Paypal.
The documentation is insufficient and code samples (at least the Java one) are horrible, but it gives you the ability to accept credit card payments (without requiring the user to sign up for a Paypal account). Unfortunately that's not the case for Google Checkout, which requires a google account.
My next step is Braintree http://www.braintreepaymentsolutions.com/
Its API is much better, and it's more flexible than Paypal. It has some fixed costs, but nothing too bad if you are serious about your business.
There's also Adyen [2], used by Uber for example. Supports dozens of payment methods.
[1] https://www.braintreepayments.com/ [2] https://www.adyen.com/
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