[Qgis-psc] On Stripe and PayPal

[Andreas Neumann]

Dear PSC,

Now that Stripe is in service already for a couple of weeks I would like to
let you know about the difference between PayPal and Stripe.

First - again a big thanks to all who helped integrating Stripe (or
recommending it in the first place) - thanks Richard, Tim, Jürgen and Strk
(who also recommended using Stripe). Also, thanks for implementing the
receipts by e-mail and integration with our donors list, Richard!

With respect to payment fees, Stripe is way better. They keep on average <=
3.5 % of the payments, all the way until it ends up in our bank account.
With PayPal, this can be up to 10% of payment fees. Also, for some reasons,
PayPal users sometimes prefer to change currency from Euro to their own
currency, which would be yet another unnecessary currency conversion with
fees involved.

I still have to get used to the Stripe portal, but altogether I am pretty
happy with Stripe. It is also easy to manually create an invoice for
sponsorships, should a sponsor from outside Europe prefer to pay with
credit card.

The only slight drawback with the current stripe integration is that we
don't have a free form to enter any amount, the user wants - or maybe
better - any amount larger than 10 €. While this is, at one hand, a good
thing (minimum amount is at 10 € and people are more unlikely to use such
an amount for illegal testing of stolen credit cards), some people might
want to donate a larger (or in between amount).

The other very minor usability issue I can see with the Stripe payment form
inside
https://www.qgis.org/en/site/getinvolved/donations.html#qgis-donations is
that there is a frame (with rounded corners) around "Name", "E-Mail" and
the amount combobox,but no frame around the credit card fields (Card
number, expiry date and CVC). I think it would be nicer if those three
credit card widgets would also have the same frame like the other fields.

What do people think about removing PayPal from our donations options (not
closing the account, but just remove it from the options)? Would people
miss it, or would we miss out on donations? We can also postpone this
decision for a couple months, but more incentive for people to use Stripe
instead of PayPal would be nice.

We already have this text: "You can use Paypal to donate using your own
credit card (but we prefer to use Stripe for that). The payment is
processed by PayPal but you don't need to have a PayPal account or sign-up
for one if you are paying by credit card.", but still quite a few donors
use PayPal, probably because it is more well-known than Stripe or more
convenient for them to use.

Thoughts about Stripe/PayPal?

Thanks and greetings,
Andreas

--
Andreas Neumann
QGIS.ORG board member (treasurer)
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