If you are in the UK and you are billing monthly then I've had nothing but a good experience with these guys so far http://gocardless.com and of course DD's don't expire like a card does.
> credit cards came out way ahead on conversions (this was for a B2B app)
Was this with American businesses?
I'm asking because I find the use of credit cards to be somewhat rare in the most of Europe. I may be mistaken though. I'm wondering if this is likely to hold for Europe.
No. UK. I didn't think the US generally had direct debits in the same way the the UK did?
I'm asking because I find the use of credit cards to be somewhat rare in the most of Europe. I may be mistaken though. I'm wondering if this is likely to hold for Europe.
You can't really talk about "Europe" when it comes to general CC usage - some countries it's normal and fine. In others it's a little more unusual.
In this particular instance it was the UK. However it was only one test in one context so I can't say whether it would generally apply. I wouldn't be surprised if it did for B2B - since there are very big usage differences in the way that businesses of different sizes manage direct debits and credit cards.
(For example - there are several places I've worked where I've had a company card. I have never had the company bank account number and sort-code outside of my own companies. So at the very least asking for me for a direct debit would have removed all possibility of an impulse purchase. I would have had to go to my boss, or my boss's boss, to arrange for the accounts department to setup the direct debit.)
