Simple Payments for India 🐘

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Automatticians and my fabulous turban.

This is a summary of the presentation I gave in Mumbai in February of 2018.

Prefer PDF format? (4.1 MB)

Why Simple Payments?

I am a public school teacher and not a web-designer. I decided to start a new business (…). After I found the “Add Payment” button I knew I could do it. I went public and started taking payments two days later. The new button simplified everything.

Simple Payments is a feature of Jetpack plugin and WordPress.com that enables you to sell products on your site. I had a privilege of being a part of the team that launched it in 2017.

Yes, there is WooCommerce with ample functionality, various payment gateways, plugins and options.

But starting with WooCommerce is not easy. The choice and configuration can be overwhelming, especially for someone that just wants to test their business. WooCommerce has a fantastic wizard now that simplifies the process considerably, but there is always a tradeoff between functionality and ease of use.

Simple Payments is designed for an easy start. No, there are no other payment gateways, no plugins, no automated fulfilment, no AI. Easy start, that is it.

But often, the start is the hard part.

 

PayPal is coming to India

As of now (feb 2018), PayPal is gearing towards entering the Indian market. Simple Payments is built on top of PayPal Express Checkout.

  • Launching soon for general users.
  • Testing with large merchants at the moment (BookMyShow, Yatra)
  • Accepting and payout in INR
  • Right now, you can collect USD and pay out to your bank account that will convert to INR

How hard it is to start with Simple Payments?

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That is all information you have to provide to start selling

To start selling with Simple Payments, you need:

  • PayPal account
  • One of the plans:
    • Jetpack Premium (₹690/m, ₹6900/y)
 OR
    • WordPress.com Premium (₹575/m, ₹6900/y)
  • One form to fill out

Yes, that is it. One form. And in this form the required fields are:

  • Name of what you are selling
  • Price / currency
  • Email that will be connected to PayPal account

One more thing…

You don’t really need a PayPal account.

PayPal has a feature called “progressive onboarding”. That means, if you receive money destined to the email address that does not have PP account yet, money will be waiting for you to claim until you create such account.

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Email badgering me to claim the money I earned

Simple is also sustainable

Back in the day, I was running an e-marketing agency and we also did WooCommerce stores. Whenever something broke, API changed, etc – I had lots of work to keep it all running. Sometimes client changed API keys to PayPal, or a setting got deprecated. But with Simple Payments:

  • No payment gateway setup
  • No access token keys, app secrets, etc
  • Reliant only on 1 plugin (Jetpack) and external API (WPCOM) that is heavily tested every day
  • Auto updates and backups built in (JP „undo”  feature)

No late night calls from your customers that something broke!

Successful Simple Payments sellers

This is a small gallery of successful Simple Payments sellers. As you can see, there are various business models.

 

Minnetonka Fishing Team

High school fishing championship participation.

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Tom Bol Photo workshops

You gussed it – photography classes 🙂

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Smart Food Solutions

Prepared meal plans

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Beltaine Cottage

Self-published books.

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North Winds Wilderness School

Outdoor wilderness classes.

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Bend it like Budha

Yoga retreats

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Under the hood 🔧

So what are we doing there to make it happen?

  1. Customer clicks „Pay with PayPal”
  2. PP JS makes request to WPCOM endpoint
  3. WPCOM endpoint calls transaction/create PP endpoint
  4. Returns transaction id to your site JavaScript
  5. JavaScript opens PayPal dialog
  6. Customer enters CC details, clicks „pay”
  7. PayPal JavaScript calls WPCOM endpoint to finish transaction
  8. WPCOM endpoint calls PP transaction/execute
  9. Passes success message to your site
  10. Sends you notification and email
  11. Displays result to the customer

 

All data stored on your site

  • `jp_pay_order` custom post type
  • `jp_pay_product` custom post type

Start selling!

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Simple Payments is designed to get you started. Don’t over-engineer your solution if you are not yet selling anything. Start simple, test your business and then scale with WooCommerce once you have more orders than you can deal with.

 

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