Accepting recurring credit card payments for online software

I am wanting to accept recurring credit card payments for some software I am selling.

I want them to be able to enter their credit card details within the software and the the payment gateway will communicate with my software (if possible) whenever a recurring payment is taken out.

I am also wanting to take payment in multiple currenci开发者_Python百科es depending on what the user selects...

What payment gateway would work for what I am wanting?

Have you used any payment gateway for this purpose before?

Braintree offers managed recurring billing and support for multiple currencies. We* don't do push notifications, but you can query for any information that you need on recurring billing subscriptions, transactions, or customer and credit card data stored in the vault. *(I work for Braintree)

Authorize.Net, and probably most decent payment gateways and third party processors, offers something called Silent Post (a.k.a. Instant Payment Notifcation (IPN)). Basically whenever a payment is made a script on your server is notified via POST details of that transaction. Your script then can do whatever you want it to do including updating your database, etc.

In the case of Authorize.Net you would use that in conjunction with their Automated Recurring Billing API for handling the subscriptions.

The only issue you would have is they don't support multiple currencies so you would have to do currency conversion before creating your subscription.

Doing this is very common and I've done it on several websites I've worked on (except for the currency part).

There are many payment processors that now let you store the credit card info on their server and access it via a token or "payment profile". BeanStream, Auth.net (NOT using ABR, but using CIM), and CDGCommerce all offer this ability.

This is MUCH more flexible and preferred to the old way of doing it, where you set up a "subscription" in the gateway's system. With a vault-like solution, you can change the person at will, so if they change their plan, or you have a one-off charge, you can do it just as if you were storing the cards yourself. Only it's way more secure and PCI compliant because it's on their server.

Using Braintree + Recurly* would allow you to handle multiple currencies and receive push notifications *(I work for Recurly) for recurring billing.