how do you process payments?
charliepark: We use Braintree (http://www.braintreepaymentsolutions.com/), and I've never had a better experience with a service provider. They're consummately professional, know their product and category inside and out, and are eager to educate people on the ins and outs of credit card processing. I had heard at one point that they had a higher rate for services billing less than $1MM a year, but I've since heard that that doesn't apply to SaaS companies that are using Rails (I'm not sure what the definitive answer is on this; I know they were the best price we could find, and I looked extensively).For recurring billing, we use a Rails-based billing framework called Freemium (http://github.com/cainlevy/freemium/tree/master), and have been very happy with it. It integrates with Braintree flawlessly. Also, its primary developer is a freelancer (http://cainlevy.com/) who is available for hire, if you're looking for someone to help you get set up. We hired him, and couldn't be happier with his work.One thing to keep in mind when you're looking for a payment processor is this: How transparent are they with their costs? Do they complicate their fee structure with hidden costs? Credit card billing can be a really complex beast, and having a partner who's interested in helping you make sense of it is very valuable. That's what we found in Braintree. I'm sure there are others that are good, but I'm glad I haven't had to look for them, and that I've been able to just focus on building my business.