Examples > Online Payments Integration Checklist (Design Issues)

A business/software planning checklist to help scope the design and work involved in integrating an online payments solution for a subscription-based service.

contributed by @testpadapp

updated 8 Dec 2012

Comments

0001
Basic Components
0002
Payment Gateway
0003
Merchant Account
0004
Collection of Payment Details
0005
Recurring Billing business logic
0006
Fees
0007
setup fees
0008
monthly/recurring fees
0009
per transaction fixed amounts
0010
per transaction % amounts
0011
Payment Details Collection
0012
Self-hosted or 3rd-party
0013
Implications for PCI Compliance
0014
Customisation potential for consistent branding/look-and-feel
0015
Free Trial
0016
time limited or feature limited
0017
credit card details up-front or later
0018
payment provider support for free trials and details up-front vs later
0019
email reminders during free trial
0020
UI prompts during free trial
0021
handling expiry of free trial
0022
Subscription Plan Design
0023
basic segmentation model; how will different plans be differentiated
0024
implications of plan 'sizes' on code and enforcement of limits
0025
is enforcement necessary at the outset
0026
implications on the UI of the different sizes
0027
are unavailable actions hidden, or visible but prompt an up-sell
0028
subscription period: monthly and/or annual
0029
special deals for charities, open-source projects, academic institutions
0030
any add-ons that aren't part of the subscription plans
0031
Chargebacks and refunds
0032
payment provider support for challenging chargeback requests
0033
any fees associated with this
0034
is the product likely to incur lots of chargebacks
0035
policy for refunds
0036
refunds for unused/partial days/months
0037
Cancellations
0038
how will customers cancel their subscription
0039
cancellation in 'local' product code
0040
cancellation in 3rd party payment provider's system
0041
immediate cancellation or deferred to end of the current/paid billing period
0042
delete account data or keep in case of reactivation
0043
any scope to prompt for 'exit feedback' from departing customers
0044
Upgrades and Downgrades
0045
how will customers upgrade or downgrade their subscription
0046
is the new charge deferred to the next billing period or incurred immediately
0047
pro-rated charge or simple change on next billing date
0048
same policy for longer subscription periods, e.g. annual may need different policy
0049
when does the upgrade/downgrade take effect
0050
how will the UI handle or prevent downgrades when current usage exceeds a lower plan
0051
Payment Failures
0052
process implemented locally or by 3rd party
0053
customisation of the content of reminder emails
0054
customisation of the number and timing of reminder emails
0055
method of notifying eventual failure
0056
impact on UI during the process of chasing payments
0057
what does the UI do on eventual expiration/cancellation
0058
Discounts, vouchers and coupons
0059
free accounts
0060
indefinite % discounts
0061
N months discounted
0062
single and multi-use coupons
0063
coupons/vouchers with customisable text (or just random codes)
0064
scope for affiliate deals and their tracking
0065
Beta Audience
0066
process for migrating beta audience
0067
scope for special/different messaging
0068
discounts
0069
join free trial or convert to paid accounts
0070
Currencies
0071
currency that customers are charged in
0072
currency of merchant account
0073
currrency of settlement account
0074
configuration of prices in the product
0075
configuration of prices in payment provider's system
0076
which countries need/are supported by payment provider
0077
Sales Tax/VAT
0078
selling to regions that require sales tax or VAT accounting
0079
display prices inclusive or exclusive of taxes
0080
keep net price constant or gross price constant
0081
accounting of taxes on invoices/receipts
0082
accounting of taxes at settlement time
0083
API integration
0084
notification of activations, changes and cancellations
0085
polling of subscription status and details
0086
security of outbound requests and inbound notifications
0087
how to test changes in notification handling code once live
0088
Miscellaneous
0089
frequency of transferring funds into settlement account
0090
analytics and tracking: scope to include google analytics/adwords IDs on the relevant pages
0091
support for other payment methods: purchase orders, invoicing etc
0092
are the Terms & Conditions and Privacy Policies up to date
0093
payment provider test mode features, e.g. simulating payment failure, test payments
0095
payment provider reporting features (dashboards, statements, statistics etc)
0094
process for adding a new subscription plan after original plans go live

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