<instructions>Your goal is to analyze the following comment and estimate how highly it will be upvoted by the Hacker News community.</instructions><comment><author>jesseangell</author><text>This product is essentially a gateway.  The same that Stripe or Braintree are gateways. They just do a much better job of abstracting the confusion that is payments.&lt;p&gt;You will still need a merchant account and a processor.  A processor is the party that actually handles authorization&amp;#x2F;settlements between the issuing bank and acquiring banks.</text><parent_chain><item><author>bri3d</author><text>It doesn&amp;#x27;t seem like any of these products actually process payments, or is there something I&amp;#x27;m missing?&lt;p&gt;Checkout:&lt;p&gt;&amp;gt; &amp;quot;Depending on your configuration, you will process the actual payment through your own system, a payment processor, or an e-commerce partner as you normally do.&amp;quot;&lt;p&gt;( &lt;a href=&quot;https:&amp;#x2F;&amp;#x2F;developer.visa.com&amp;#x2F;products&amp;#x2F;visa_checkout&amp;#x2F;guides&quot; rel=&quot;nofollow&quot;&gt;https:&amp;#x2F;&amp;#x2F;developer.visa.com&amp;#x2F;products&amp;#x2F;visa_checkout&amp;#x2F;guides&lt;/a&gt; )&lt;p&gt;CyberSource:&lt;p&gt;&amp;gt; Before moving to production and running real transactions, you must have a merchant account from an acquiring (merchant) bank that can process the credit card payments.&lt;p&gt;( &lt;a href=&quot;https:&amp;#x2F;&amp;#x2F;developer.visa.com&amp;#x2F;products&amp;#x2F;cybersource&amp;#x2F;thingstoknow&quot; rel=&quot;nofollow&quot;&gt;https:&amp;#x2F;&amp;#x2F;developer.visa.com&amp;#x2F;products&amp;#x2F;cybersource&amp;#x2F;thingstoknow&lt;/a&gt; )&lt;p&gt;Visa Direct APIs:&lt;p&gt;&amp;gt; However, in order to use the Visa Direct APIs in production, the Originator must either be a Visa client financial institution (issuer or acquirer), a third-party Originator that has been granted a Visa acquirer POS license (geographical restrictions apply), or a third-party Originator that has established an acquiring relationship for that purpose with a Visa client financial institution.&lt;p&gt;( &lt;a href=&quot;https:&amp;#x2F;&amp;#x2F;developer.visa.com&amp;#x2F;products&amp;#x2F;visa_direct&amp;#x2F;thingstoknow&quot; rel=&quot;nofollow&quot;&gt;https:&amp;#x2F;&amp;#x2F;developer.visa.com&amp;#x2F;products&amp;#x2F;visa_direct&amp;#x2F;thingstoknow&lt;/a&gt; )&lt;p&gt;The token and transaction services are very interesting and it&amp;#x27;s cool to see Visa jumping into decent modern payment UX, but I don&amp;#x27;t think they&amp;#x27;re gunning for Stripe just yet...</text></item></parent_chain></comment><story><title>VISA Api: The Power of Visa Network Delivered as an API</title><url>https://developer.visa.com/</url></story>
<instructions>Your goal is to analyze the following comment and estimate how highly it will be upvoted by the Hacker News community.</instructions><comment><author>lowglow</author><text>Visa invested in Stripe. Just FYI: &lt;a href=&quot;http:&amp;#x2F;&amp;#x2F;fortune.com&amp;#x2F;2015&amp;#x2F;07&amp;#x2F;28&amp;#x2F;stripe-visa&amp;#x2F;&quot; rel=&quot;nofollow&quot;&gt;http:&amp;#x2F;&amp;#x2F;fortune.com&amp;#x2F;2015&amp;#x2F;07&amp;#x2F;28&amp;#x2F;stripe-visa&amp;#x2F;&lt;/a&gt;</text><parent_chain><item><author>bri3d</author><text>It doesn&amp;#x27;t seem like any of these products actually process payments, or is there something I&amp;#x27;m missing?&lt;p&gt;Checkout:&lt;p&gt;&amp;gt; &amp;quot;Depending on your configuration, you will process the actual payment through your own system, a payment processor, or an e-commerce partner as you normally do.&amp;quot;&lt;p&gt;( &lt;a href=&quot;https:&amp;#x2F;&amp;#x2F;developer.visa.com&amp;#x2F;products&amp;#x2F;visa_checkout&amp;#x2F;guides&quot; rel=&quot;nofollow&quot;&gt;https:&amp;#x2F;&amp;#x2F;developer.visa.com&amp;#x2F;products&amp;#x2F;visa_checkout&amp;#x2F;guides&lt;/a&gt; )&lt;p&gt;CyberSource:&lt;p&gt;&amp;gt; Before moving to production and running real transactions, you must have a merchant account from an acquiring (merchant) bank that can process the credit card payments.&lt;p&gt;( &lt;a href=&quot;https:&amp;#x2F;&amp;#x2F;developer.visa.com&amp;#x2F;products&amp;#x2F;cybersource&amp;#x2F;thingstoknow&quot; rel=&quot;nofollow&quot;&gt;https:&amp;#x2F;&amp;#x2F;developer.visa.com&amp;#x2F;products&amp;#x2F;cybersource&amp;#x2F;thingstoknow&lt;/a&gt; )&lt;p&gt;Visa Direct APIs:&lt;p&gt;&amp;gt; However, in order to use the Visa Direct APIs in production, the Originator must either be a Visa client financial institution (issuer or acquirer), a third-party Originator that has been granted a Visa acquirer POS license (geographical restrictions apply), or a third-party Originator that has established an acquiring relationship for that purpose with a Visa client financial institution.&lt;p&gt;( &lt;a href=&quot;https:&amp;#x2F;&amp;#x2F;developer.visa.com&amp;#x2F;products&amp;#x2F;visa_direct&amp;#x2F;thingstoknow&quot; rel=&quot;nofollow&quot;&gt;https:&amp;#x2F;&amp;#x2F;developer.visa.com&amp;#x2F;products&amp;#x2F;visa_direct&amp;#x2F;thingstoknow&lt;/a&gt; )&lt;p&gt;The token and transaction services are very interesting and it&amp;#x27;s cool to see Visa jumping into decent modern payment UX, but I don&amp;#x27;t think they&amp;#x27;re gunning for Stripe just yet...</text></item></parent_chain></comment><story><title>VISA Api: The Power of Visa Network Delivered as an API</title><url>https://developer.visa.com/</url></story>