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revise Why? section to clarify Why we are writing this doc #1
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nelsonic committed Dec 31, 2022
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.env
cache.dets
cache_test.dets

# Noise
.DS_Store
103 changes: 63 additions & 40 deletions README.md
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Expand Up @@ -12,35 +12,43 @@ and how you can add it to your application!

</div>

# Why? 🤷
# Why? 🤔

Sadly, not all applications can be "free";
the software engineers that build them need to be paid
and the underlying infrastructure costs money too.
Many Apps cover their costs through advertising.
But this is selling the "users" data,
Many App/Websites cover their costs through advertising.
This is effectively selling [out] the "users" data,
which we are not fans of ...

> "_When something online is free,
> you're not the customer,
> you're the product._"
> ~ [Jonathan Zittrain](https://blogs.harvard.edu/futureoftheinternet/2012/03/21/meme-patrol-when-something-online-is-free-youre-not-the-customer-youre-the-product/)
Some apps are sold via **one time purchase**.
Others are **subscription-based**.
Regardless of the type,
all of these share one thing in common:
**they use payment processing gateways
to collect funds**.
We prefer to charge a affordable fee -
enough to cover all our costs
and build-out our
[roadmap](https://github.com/dwyl/product-roadmap) -
and _fiercely_ guard the privacy
of the `people` using the App.

Some Apps are sold via **one time purchase**
others are **subscription-based** (recurring payments).
Regardless of the type of payment,
they share one thing in common:
**payment processing gateways
are used to collect funds**.

# What 💭

There are several Payment processing providers,
the most recognisable are:
[`PayPal`](https://developer.paypal.com/api/rest/),
[`Stripe`](https://stripe.com)
or
[`Square`](https://squareup.com/us/en/).
The goal of this guide is to cover
both the theory and _practice_
of payment processing
_and_ to showcase payment processing
in a standalone web app.

But what _is_ "payment processing"...?


## Payment Processor or Gateway 🤷‍♀️
Expand Down Expand Up @@ -88,34 +96,44 @@ and `payment processor`
bundled together
alongside a myriad of other features such as fraud prevention.

## `PayPal` The Original Payment Processor
Okay... I've seen people using `Paddle`. Is it any different?
## Which Payment Processing Provider?

There are several Payment processing providers,
the most recognizable are:
[`PayPal`](https://developer.paypal.com/api/rest/),
[`Stripe`](https://stripe.com)
or
[`Square`](https://squareup.com/us/en/).


## `PayPal` - the _Original_ Payment Processor

Over `PayPal`

If you've done much online shopping,
you have probably came across a button like this,
which allows you to purchase the item through `Paypal`:
you have probably came across a payment interface
that allows you to purchase the item through `Paypal`:

![paypal](https://user-images.githubusercontent.com/17494745/208951049-421e123a-e082-433e-8b08-60c7da8c8a57.png)

If you want to add a way for `people` to purchase
an item in your application through `PayPal`,
If you want to alow `people` to purchase
an through `PayPal`,
you'd have to setup a `PayPal` account
and use one of their SDKs:
[developer.paypal.com](https://developer.paypal.com/home)

You are basically using the
This uses the
`PayPal` E-commerce platform
[paypal.com/us/business/platforms](https://www.paypal.com/us/business/platforms-and-marketplaces)
to setup a payment gateway and processor
for users to pay with Paypal on your site.

Awesome! 🎉

Now want to add
[`Google Pay`](https://pay.google.com/about/business/implementation/),
as a payment method, as well.
You'd have to create an account,
use [their SDK](https://developers.google.com/pay/api)
use their **`SDK`**:
[developers.google.com/pay/api](https://developers.google.com/pay/api)
and integrate it in your website.

We shouldn't forget iPhone users as well!
Expand Down Expand Up @@ -166,34 +184,39 @@ For example, `Stripe` is like having a multiple
bundled into one,
along with a [myriad of other features](https://stripe.com/en-pt).

## Stripe and alternatives
## `Stripe`

`Stripe` is considered by many to be
the [*de facto*](https://trends.builtwith.com/payment/Stripe)
way of accepting credit cards
and electronic payments on the web.
It's a powerful payment tool
that has a number of additional features,
including [smart retries](https://stripe.com/docs/billing/revenue-recovery/smart-retries),
Beyond collecting card payments
it has a number of additional features,
including:
[smart retries](https://stripe.com/docs/billing/revenue-recovery/smart-retries),
[automatic card updater](https://stripe.com/docs/saving-cards),
[fraud tooling](https://stripe.com/en-gb-pt/radar),
and [others](https://stripe.com/partners/directory).
and other
[add-ons](https://stripe.com/partners/directory).

Until starting to research this in-depth,
we were considering using `Stripe`
because we've used in previous projects.
But then we discovered `Paddle`!

However, it is important to note that there are
several other options that do offer similar features,
ease of payment integration into your application
but handle payments in a different way.
## `Paddle`

For example, `Paddle`, as we have mentioned earlier,
works on a completely different way.
`Paddle` is a new class of payment processor
that includes all additional services in their simple fee structure.
While `Stripe` can be compared to a payment gateway
that deals with multiple channels,
`Paddle` offers similar features
but acts a *reseller of your services* -
**merchant of record (MoR)**.
but acts a *reseller service* -
**Merchant of Record (MoR)**.

A MoR is ["a term to describe the legal entity
selling goods or services to an end customer"](https://www.paddle.com/blog/what-is-merchant-of-record).
A MoR is a term to describe the legal entity
selling goods or services to an end customer.
~ [paddle.com/blog/what-is-merchant-of-record](https://www.paddle.com/blog/what-is-merchant-of-record)
It's who the end customer owes payment for their purchase,
and it is who handles payments and liability for each transaction.
This is great for *tax handling*,
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