I am building a SaaS product using Node.js and I will need to charge a monthly subscription fee to my users. As this is the first time I am trying something like this, what's the best way to achieve this?
We have been looking to get the random credit card generator online that can works for us when we need them.
Definitely do not store credit card and billing info, use Stripe or Braintree instead. I much prefer Stripe for subscription billing and easy API integration but depending on your app, Braintree could be a better option.
Paypal/Braintree requires that you keep your server PCI 3.0 A-EP compliant (12 requirements) where as Stripe simply requires an SSL and PCI 3.0 A compliance (2 requirements) which is much easier to maintain. So you'll want to keep your compliance overhead costs in mind as well.
Please don't store Creditcards. You will be hacked, or at least someone will try to. It's an unnecessary risk in times of Stripe, Braintree and others.
Use a PSP (Payment Service Provider), unless you plan to make your app and whole system PCI compliant and get permission from the banks to integrate directly into them (which could take years)
As @fibric said, You can use Stripe if Stripe is supported in your country. To know the availability, Check https://stripe.com/global
Otherwise, You can go with PayPal.
You don't want to store credit card data except you can protect the data or earn extra money by selling credit cards to malicious persons or losing them to criminals.
Instead, you want to use Stripe or similar services.
Shreeraj Jadhav
PhD student in Computer Science
Larry Yu
Web developer
I am a hard stack developer that works with finance websites and as I did for Fit My Money service, I didn’t save credit cards info because it can be very dangerous for you and for your customers. By creating database with that info can really influence you as a professional because if you will lose information from this source you will get a lot of angry people who will look for you. For example, a thousand of information from Facebook were leaked by the easiest way and people right now are really worrying, because you can easily find someone who is selling it to the other hackers. Try to find another way to do it, use 3rd party services, or just forget about this idea!