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The Big List Of Payment Processors

This list shows which payment processors indie developers are using to sell their games directly.
(All the listed services are specialized in selling digital products)

As you know many developers sell their games also direct via digital distribution services such as Steam and GOG…
Consider to check out the list of online game stores for more information about that topic.

If you should feel uncertain about any service consider to contact some of the below listed developers who use them and ask them about their experiences.
Note: Some of the below listed developers might have switched from payment processor x to payment processor y. (This whole list will be updated later… together with the big Indie Resources update in summer 2014)
Most developers use Humble Store Widget, BMT Micro or FastSpring. Moreover DigitalDeliveryApp and E-Junkie are also used by some developers. Additionally there is also an article called Selling Digital Goods Online which discusses a few more alternatives.

Features of Payment Processors:

  • They host your games and send out download links
  • They offer various payment methods (credit card, paypal, google checkout, amazon payments etc.)
  • They handle collection and payment management for your taxes
  • They customize the webstore page for you so it matches the look of your website
  • They give you the option to create discount codes and gift codes easily
  • They handle refunds, chargebacks and have fraud detection
  • They offer split pay features (revenue gets split between all team members automatically)
  • They offer live stats of your sales

Rob Fearon and Cliffski about the advantages of selling direct:


A big thanks goes to Tom Grochowiak because he has tested most of the Payment Processors and provided some additional info about the up and downsides for each of them.


Navigation

(Jump to the companies on this page directly)

Full Service Payment Processors

Shopping Carts


BMT Micro

“BMT Micro has been providing turnkey ecommerce solutions since 1992. If you require a reliable, cost-effective payment processing service that is flexible enough to meet your needs now and well into the future, look no further.”

Payment options: Credit Card, PayPal, Google Checkout, Amazon Payments, Check, Instant Bank Transfer, Wire Transfer, Phone/Fax
Founded in 1992

Further Info

Indie Devs that use BMT Micro

Pros and Cons

+ customizes their webstore to match your website for free
+ good support
+ support “pay-what-you-want model” (on request / 1$ minimum)
+ customers don’t have to enter all their data if they pay by PayPal/Google Checkout
+ non expiring downloads (optional)
+ largest affiliate network
+ they handle refunds
- affiliates and some other features locked for new vendors (until first payment)

Note: In case your game is priced under 6.25$ you can use their “comprehensive” plan which is 20% with a minimum fee of 0.75$. For example that way they would charge you 1$ instead of 1.25$ for a 5$ game.


FastSpring

“FastSpring offers a highly customizable, flexible e-commerce solution focused on adding value and increasing revenue for clients, while providing the best customer service in the industry.”

Payment options: Credit Card, PayPal
Founded in 2005

Further Info

Indie Devs that use Fastspring

Pros and Cons

+ customizes their webstore to match your website for free
+ good support
+ support “pay-what-you-want model”
+ direct deposit option for vendors outside of US
+ customers don’t have to enter all their data if they pay by PayPal (this is not by default… you have to ask FastSpring and they will remove the adress fields for you)
- customers have to enter their data, even if they pay by PayPal
- no affiliates



Digital Delivery App

payment-processors-digital-delivery-app
payment-processors-digital-delivery-app-stats

“Sell Digital Goods with Utter Simplicity. Automatically deliver your digital files, subscriptions, tangible goods, services or licenses with the same technology that powers Amazon.Start selling in just two minutes – whether that be on sales websites or Facebook fan pages.”

Payment Options: PayPal, Google Checkout
Founded in 2010

Further Info

Digital Delivery App only charges a monthly fee which is determined by the size of your game (9$ for 1 GB or 15$ for 3 GB) plus the standard PayPal fee which costs you (2.9% + 0.30$) per transaction / sold game. Introversion Software (the developers of Prison Architect, Darwinia, Multiwinia etc.) wrote a few words about their experience with Digital Delivery App over here on the IndieGames Blog.

Indie Devs that use Digital Delivery App (renamed into SendOwl)

Other companies/people who use them for their digital products

There are also a few other services similar to E-Junkie and DigitalDeliveryApp SendOwl as you can see from this comprehensive article called Selling Digital Goods Online: E-Commerce Services Compared. For example Pulley and FetchApp.

The mentioned services in this article seem pretty legit and cost all approximately the same: A monthly flat fee of ~10$ for the storage space plus the usual fee for PayPal per transaction/game (2.9% + 0.30$)



E-Junkie

“For merchants selling downloads, we automate and secure the digital delivery of files and codes. Our shopping cart has a built in sales tax, VAT, packaging and shipping cost calculator. E-junkie has no transaction limit, no bandwidth limit, no setup fee and no transaction fee.”

Payment Options: PayPal, Google Checkout
Founded in 2004

Further Info

E-Junkie only charges a monthly fee which is determined by the size of your game (5$ for 50 MB or 18$ for 500 MB) plus the standard PayPal fee which costs you (2.9% + 0.30$) per transaction / sold game.

Drawback?

When you use E-Junkie the collection of VAT is your responsibility as you can read in this discussion on indiegamer forums. I don’t really know how complicated that is… maybe someone has experience with it?
Therefore inform yourself about this topic intensively beforehand.

Indie Devs that use E-Junkie

Other companies/people who use them for their digital products


PayPal

If you use PayPal alone without any added digital service provider it requires you to do all the work behind the scenes (hosting games, sending out links, handling taxes etc). Since E-Junkie and Digital Delivery App only charge ~10$ a month for doing that it is worth considering to use them. Using them might save you a lot of time and nerves.

Note:
For receiving payments from buyers outside the United States you will be charged 3.9% + 0.30$ instead of the usual fee.

Further Info

Indie Devs that use PayPal


Table for easy comparison of processor fees

Name

Fee

5$

10$

15$

20$

BMT Micro 9.5% (1.25$ Minimum Fee) 1.25$ 1.25$ 1.43$ 1.90$
FastSpring 8.9% (0.75$ Minimum Fee) 0.75$ 0.89$ 1.34$ 1.78$
Humble Store Widget 5% 0.25$ 0.50$ 0.75$ 1.00$
E-Junkie 2.9% + 0.30$ + monthly fee of 5$-10$ 0.45$ 0.59$ 0.74$ 0.88$
Digital Delivery App 2.9% + 0.30$ + monthly fee of 9$-15$ 0.45$ 0.59$ 0.74$ 0.88$
PayPal 2.9% + 0.30$ 0.45$ 0.59$ 0.74$ 0.88$

Further Info

For creating pay what you want bundles there is a service called Bundle Dragon (by the creators of the Game Music Bundle)
Solutions for selling music are Bandcamp and CD Baby. (for creating your own CD’s there is also Disc Makers)


Discussions and Articles About E-Commerce Payment Processors


Why Choose a Payment Processor / eCommerce Provider?


Further Reading