Summary

While Stripe is our recommended payment provider, it may not be the best payment provider for everyone using our platform.

We offer two alternatives to Stripe depending on your situation, Uscreen Payments (also described as Uscreen Gateway) and Authorize.net. You can read more about those two options in this guide.

NOTE: Please note that we do not recommend changing your payment provider after you have started accepting payments. Please consider all of these factors with your team to make an educated decision based on your business needs.

  1. Currency Factors

    1. The Presentment Currency

    2. The Settlement Currency

  2. Geographical Factors

    1. The geographical location of your primary market

    2. The country of your payment provider account

  3. Video Content Factors

    1. Nature of the content or business practices

  4. Payout Factors (Receipt of Revenue)

    1. Payouts schedule

    2. Destination of payouts

  5. Additional Features

    1. Google Pay

    2. Apple Pay

  6. Exceptional Situations

Currency Factors

The Presentment Currency

Presentment currency is the currency in which the customer is charged. Some presentment currencies require using a local payment provider account (i.e., having a Stripe account set for the country related to the presentment currency) to reduce the rate of declined payments. Depending on your currency, we recommend consulting with Stripe directly about the viability of setting up a local Stripe account.

For instance, if your primary market is in Mexico, you may want to set a Mexican Stripe account.

We support PayPal as a secondary payment provider - which means you must also have a primary payment provider set with Uscreen to use this option. Our integration with PayPal only supports payments in AUD, EUR, GBP, and USD.

The presentment currency of your store will determine where you need to base your Stripe account and whether you can use our PayPal integration as a secondary payment provider.

The Settlement Currency

Settlement currency is the currency a vendor (i.e., you/your business) selects to be the currency for received funds and the currency in which the vendor receives the funds.

If you enable Uscreen Payments as your primary payment provider, you will be paid out in USD if your currency is different from AUD, EUR, GBP, and USD.

Geographical Factors

The geographical location of your primary market

When your clients use cards issued in a different country than where your Stripe account is registered, some issuing banks may not process the charges. If this happens, your clients will need to contact their banks to authorize it, then retry the purchase.

If you have clients concentrated in locations around the world where issuing banks are more strict with international payments, you may want to set up local Stripe accounts and Uscreen sites in your larger markets.

Please get in touch with our Sales Team about pricing to set up multiple Uscreen sites. You can reach them by email at sales@uscreen.tv.

The country of your payment provider account

Stripe is available for businesses in 44 countries. If the location of your business doesn't make you eligible for a Stripe account, we designed Uscreen Payments as an alternative for you. While you can use it from any country, the location set for Uscreen Payments is the United States.

Video Content Factors

Nature of the content or business practices

If your business is part of the restricted business from using Stripe services, but the nature of your content does not violate Uscreen's Publisher Terms, you may want to use Authorize.net as a payment provider.

Payout (Receipt of Revenue) Factors

Payouts schedule

Depending on the country in which you create your Stripe account, payouts can arrive in your bank account on a 7-day rolling basis. You can opt to receive payouts weekly or monthly. For more information about your Stripe account, contact Stripe.

Our clients receive Uscreen Payments and PayPal payouts on the first business day of each month for all transactions older than 30 days.

If you have more questions about payouts, please check our help guide about the Payouts Schedule.

Destination of payouts

Suppose the destination of the payouts is part of your criteria to choose a payment provider. In that case, you may want to consider that payouts from Stripe can go directly to your bank account. However, you will receive your payouts from our PayPal integration and Uscreen Payments on your PayPal account.

Additional Features

Google Pay

This payment option is incorporated into your site automatically when you use Stripe or Uscreen Payments. Check our help guide about Getting Paid with Google Pay.

Apple Pay

We are currently welcoming feature requests about integrating with Apple Pay. If. this feature made its way to our roadmap, it would only be available for Stripe and Uscreen Payments.

NOTE: Other primary payment providers, such as Authorize.net won't support these additional features.

Exceptional Situations

In some exceptional situations, our clients need to integrate a payment provider externally with the help of a web developer.

Please consult the following help guide for more information: Create a Custom Payment Provider Integration with Stripe Checkout and Zapier.

For instance, India is among the countries with the highest rates of online payments fraud. In August 2019, the Reserve Bank of India (RBI) had recently put in place various safety and security measures for card payments, including the requirement of Additional Factor of Authentication (AFA), especially for "card-not-present" transactions.

As of April 1, 2021, issuing banks in India have started taking steps to block transactions that do not comply with these requirements.

The RBI has issued an extension up to October 1, 2021, to comply with requirements for some existing recurring payment arrangements set up before April 1, 2021.

You should see little to no impact on one-time payments from Indian cardholders due to this regulation.

However, you may see higher payment failure rates for recurring payments as issuing banks block recurring transactions that do not comply with the new requirements.

The original measures introduced by the RBI in 2019 include:

  • Requiring cardholders to go through a one-time registration process along with validation through an additional factor of authentication by the issuing bank

  • You must send alerts to cardholders at least 24 hours before charges taking place.

  • The ability for cardholders to opt out of transactions is required.

  • Transactions over INR 5,000 (increased from INR 2,000) need to be authenticated each time.

Source: Reserve Bank of India - Notifications

Regrettably, our existing Stripe integration does not support all of the specific requirements to the Indian market.

NOTE: Our Product Team considers many factors when evaluating feature requests and prioritizing future feature(s) to research, plan, develop, and test. If you would like to have a solution for these exceptional situations out-of-the-box, please submit a feature request, so we know it's something you are interested in.

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