Ben Cull takes you through the state of payments in Australia. You'll be shown everything from the old and clunky way to take payments. to the new and exciting. A bit of history is thrown in for good measure.

1. With thanks to our sponsors

2. THE STATE OF
IN AUSTRALIA

3. History
• 1992: books.com sells books online
with credit card processing
• 1995: Ebay was founded
• 1999: Alibaba established in China
• 2002: eBay acquires PayPal
• 2011: Ben’s favourite company was
publicly launched

4. About Ben
• Senior Software Architect
at SSW
• I love Beer
• I love Payments
• Not in that order

5. History
Agenda
PCI Compliance
How do online payments work?
Taking payments the hard way
Online payments get better with PayPal
Taking payments with Ben’s favourite company

7. How do credit card payments work?
EFTPOS Terminal
Merchant Bank
Issuing Bank

8. How do online payments work?
Payment Processor
Merchant Bank
Issuing Bank
My Server

9. 50% Shop Online June 2013 – Roy Morgan Research

10. Start thinking
Plenty of opportunity to create products
that deal with payments
I want to hear good ideas by the end of
the presentation
Tweet to #ideas #dddmelb

11. merchant account

12. pci compliance
It applies to everyone
Want to accept VISA or Mastercard?
I thought so.
Yes, even the small guys
If your server so much as glances at
a credit card number, you’re liable.
You can avoid it
Just never directly accept a credit
card number
PCI Tips

13. PayPal
 2.4% + 30c /transaction
 Too many APIs
 REST API is OK
 https://www.paypal.com/au/

14. PayPal isn’t too bad
• Can remember details
• Familiar brand
• New Invoicing REST API

15. Pin Payments
 3.0% + 30c /transaction
 2.6% + 30c /transaction
 Nice REST API
 Recurring Billing
 Australia Focused
 https://pin.net.au

16. Pin is pretty good
• Australian focus with
cool popup
• Quick and simple

17. Ben
stripe

18. Stripe
 2.7% + 30c /transaction
 The Best REST API
 Recurring Billing
 Coupons
 Stripe Checkout
 Stripe Connect
 Stripe Marketplace
 https://stripe.com

19. Stripe is Rad
• Best at everything
• Server side charging
• Sweet animations

20. Improvements
• PayPal – Javascript library for
Tokenising Credit Cards
• Pin – Make payments on behalf of
other accounts
• Stripe – Remember your details across
the web

21. Some free ideas
• Chat roulette for English Lessons
• NuStore – App store style nuget
packages
• Instant Online Orders for Cafes/Coffee
• BandStarter – Kickstarter for bands
• Sublet Car Park out of hours app

22. Custom Forms and Payments
EventDebit.com
 Stripe Integration
 Shameless Plug
 Not a finished product
 Not really a product

23. Senior Software Architect at SSW
BenjiiCull
@benjii22
bencull1
Ben Cull

24. Ben
audience

25. Thank you!
info@ssw.com.au
www.ssw.com.au
Sydney | Melbourne | Brisbane | Adelaide