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Ask HN: Payment processing for micro SaaS outside USA?
I am developing a micro SaaS (not expecting to earn much from it), and I can't find a payment processor for it. I am in a country not supported by Stripe, so the obvious option is not possible.
I don't have business documentations (some of them require that), I just want to get paid via Credit Card (if they can include subscriptions that'd be great, if not I can try to code that myself), and then receive the money in my bank account or Paypal.
Is out there an option to do this without much bureaucracy? My customers wouldn't use crypto so that's not an option either.
It sounds like you’re describing a Merchant of Record (MoR). This is where customers pay a third-party service, which then handles payments, compliance, and then pays you.
Check out gumroad, lemon squeezy and maybe Paypal.
Leftfield suggestion: Clickbank.com
Have you checked Paddle.com or 2Checkout?
Maybe you could tell us in which country you operate ? Would help to find the right psp
Argentina
Do you plan to get paid from Argentine customers? If not, maybe you can consider opening a US entity through Stripe Atlas, get a quasi-bank US account through Mercury and send the received amount to Argentina via SWIFT.
No, my ucstomers would be in the US and Europe. This is a SaaS for developers. Create a US entity through Atlas is exactly what I want to avoid. I'd prefer something simpler, where I can get paid (even if they get a high cut like 5%), and then send that money to Paypal or a bank account.
Can't you just use PayPal for accepting one-time or subscription payments?
Paddle and Rebill also seem to support Argentina.
https://www.paddle.com/help/legal/sanctions/which-countries-... https://www.rebill.com/en/payment-and-subscription-solutions...
Curious why you want to avoid Atlas.
I don't want to invest money in a project that I am not sure is going to make any returns. Also, don't want to pay taxes in the US with Atlas, maintain a corporation there, etc.
A couple of my heuristics
1. Running a smaller business takes the same amount of work as running a bigger one.
2. A running a failing business takes more of the owner’s energy than running a successful one.
This thread exemplifies at least one of them because if the plan was a bigger business, you would not be spending time on alternatives to Stripe.
Business ideas can be feasible but not viable. If it does not pencil out, it doe not pencil out.
> Running a smaller business takes the same amount of work as running a bigger one.
It does however, take a lot more capital to run the bigger one. From a personal perspective the opportunity cost of starting the bigger company is all the luxuries and security that cash-in-hand brings, not to mention the possibility of an even better business opportunity arising in the future.
Opening and operating a UK ltd co is really cheap you could use that
i think your best option is to save up for stripe atlas
gumroad?