harshilmathur

TL;DR:

MediaNama: So the only way they can understand what to block via this route is by sniffing every packet?

Matthew Prince, Cloudflare: That is what I’m concerned about, but we don’t have a satisfactory answer at this point. But you are correct, that is what I infer.

MediaNama: As far as I understand, they wouldn’t know the IP address of the host server?

Matthew Prince, Cloudflare: They should not. That is true.

MediaNama: So the only way they can understand what to block via this route is by sniffing every packet?

Matthew Prince, Cloudflare: That is what I’m concerned about, but we don’t have a satisfactory answer at this point. But you are correct, that is what I infer.

Yandex for custom domains allows you to create about 1000 addresses on custom domain for free. The drawback is their mail administrator panel is in turkish but if you have patience to set it up on google translate, it works like a charm.

Not every bank sends 2FA codes via SMS. For example my debit card with SBI has a static password that I need to put in for every payment

- We are a small team right now, but we can assure you will get better service than many of the large companies

- Yes integration with shopify, magento, woocommerce, opencart, cscart, nopcommerce, whmcs etc. is already available.

- We are PCI Certified but we do not store card numbers and we do not provide wallet service at this time.

- Yes, all CC/DC are supported

- You will need the bank account in the name of your business. What we mean is you don't need a separate merchant account for accepting payments which some bank gateways ask you for.

Yes, that's what our aim is, to protect the customers from the red tape and complex regulatory issues while providing a clean integration experience.

Hi, Yeah, we saw that thread and it was really interesting. My co-founder replied there too https://news.ycombinator.com/reply?id=9206182&goto=item%3Fid... .

At this point, I can only tell you we have a plan to launch this very soon.

Thanks for the kind words! And, yes, we are definitely working on the feature.

Hi, We do not support that model at this point because of additional regulatory hurdles. We do have it in our roadmap though.

Yes, its similar.

No, you just need to login on the Razorpay dashboard and click on capture on the payments you want to transfer to your account.

We support 35+ banks in netbanking right now.

1. Not at this time. We will be launching support for that soon. 2. Yes, you can but then you will have to manually capture the payments from dashboard. 3. The money is transferred on T+2 day where T is day of transaction. 4. Not a this time. We definitely want to support that very soon.

Sure, drop us an email at contact@razorpay.com and we can take that further.

Yeah, Readme is part of current YC batch, they are awesome!

Hi, We plan to in the future. We haven't many people requesting it since most of them have majority of Indian customers which can not have recurring billing

Hi No, the pricing we have given on our site includes interchange fees as well.

YC experience has been really awesome. Whether you are in India or anywhere, noone can help your startup as much as YC can. We will do a separate blog post on that soon to explain it in more detail.

Hi, what you need is a marketplace. While, we do support that, it takes time to get approvals for it. Please drop us a mail at contact@razorpay.com and we can discuss this further on how to speed it up for your use case.

Thanks. The most important regulation is the "Payments and Settlement Act" of RBI. Sorry, I can't link to their website, they do not allow it but just google it.

Payzippy was better but still was cumbersome to integrate, we have a much easier experience, you can checkout https://docs.razorpay.com for more info. - We do not support card tokenisation right now, it is in roadmap. - We do support 3D secure but handle it compeltely on our end, the merchant need not worry about handling it. - Right now, we provide iframe integration, but we will support POST calls very soon. Frankly, not many customers have asked for it. - We support Authorization and Capture Based payment but yeah pre-auths like those in US are not supported because of regulatory hurdles.

We will always have the local player advantage over Stripe. Payments is closely related to the infrastructure of the country and hence, just copy paste of US model won't work. Plus, clearing regulatory hurdles and modifying their platform for supporting local instruments of India will take 1-2 years, so we will have that headstart too.

Hi, Zostel has recently signed up and have not migrated fully to us. You can signup on dashboard.razorpay.com and test the payment experience on it. Also, you can chat with us after signup and we can give you list of more merchants where you can use our gateway. Thanks!

Yes, most credit cards and debit card transactions have to be routed through their network and they charge in percentage only. Their costs are hardly affected by the paid amount but that is the business model they and all the banks pursue to make it uniform for all big and small players.

Hi, unfortunately Visa, Mastercard and other card networks charge in percentage terms without a cap and there is nothing anyone can do about it. We do offer better pricing at volume. Also, think of it as a cost of doing business like service tax which is also always in percentage. Even huge players amazon, flipkart have to pay it in percentage terms only inspite of their enormous volumes.

Thanks. We will do it soon :)

Hey, thanks for the kind words. The activation form will require 15 minutes to fill up and we can take you live in a day or two after that. - We are using PAN and CIN api from govt. of India to verify a lot of details. We ask for the scans of few proof documents (much less than others). - Our transaction fees are on our website http://razorpay.com - We do provide integration plugins for almost all eCommerce platforms including nopcommerce

Hi, Yeah those links are mandatory by Indian banks but we do provide templates for them that you can modify for your use case. And as long the links are on your site, we will handle the rest (visibility etc.)

Thanks! Yeah, that's a good point, we will fix that.

0 - Payzippy was discontinued. And even so, their offerings were not much different from other gateways in the country.

Juspay offers their integration on top of other gateways. Thus, it solves only part of the problem, since you still have to deal with tough onboarding process.

1 - We are very grateful of the open-source community and do plan to give back to it in whatever ways we can. Follow our github organisation and you will not be disappointed.

2 - YC partners are really great and have provided most of the mentoring we needed. Plus, other YC companies alums form a very strong network which help you out when you need it.

Frankly, we were tired of waiting for Stripe to come and improve the payment ecosystem that existed in India :D On a more serious note, Stripe has only entered payments markets that are similar to US. India is very different from those markets and for tackling it they will have to modify the product significantly to meet the regulatory rules like 3D Secure and support the dominant local payment methods. And if they do try to do that, we will still have a couple of years head-start.

Our initially entry point in the market was education sector but now we offer gateway to any business accepting online payments.

We have to follow the law of land and regulatory compliance but most of the red tape that the current gateways ask for is not required by regulation. The gateways are trying to make onboarding too safe and hence end up making it very complex. We want to protect the merchants from the dirty work of dealing with regulation through a very streamlined interface and we handle everything in the background.

Hi, You are right, we want to make the pricing more uniform as we go. But there are some limitations around that we need to solve. As for instamojo, they have a good product but they are not a payment gateway in the stripe sense, they are more of gumroad. They support specific type of products whose amounts needs to be pre-decided on their platform. While, we support all kinds of online transactions which you can integrate directly on your site.

You can just signup in 2 minutes and start using it in test mode. Meanwhile, you can fill the activation form with basic KYC stuff to go live. The activation form should take you about 15 minutes to fill with everything on hand. Right we only support charging in INR but we do support international transactions. Support for other currencies will be coming shortly.