I know virtually nothing about Spreedly but what little I’ve seen echoes your impression that they don’t actually integrate via SDKs for the mobile platform
-Spreedly stores credit cards safely and allows companies to avoid setting up their own PCI compliant servers. They also integrate with 220 gateways worldwide for you so you only have to integrate once with Spreedly.
-I believe this is true about the SDK. I read in the spreedly documentation that phones are inherently insecure because they can be jail broken and also because it is impossible to send the transaction directly from the phone to the payment provider. It must go through a backend: https://docs.spreedly.com/guides/mobile/
-This increases complexity for PCI compliance slightly as well.
I think, like you say Sue, to integrate it with a specific backend is a good idea, whether its Spreedly or Stripe. For me personally, Bubble is very convenient because thats where ive built everything else, so I can’t objectively say which solution is the best . Moreover, there are 200k+ users on Bubble and they are growing very quickly at the moment, so it could make Dropsource more appealing to a “self-growing” audience.
Sean mentioned Spreedly costs money. Very true, but Spreedly can give access to payment providers that are cheaper than Stripe is. I did some math yesterday for my use case in Mexico where Stripe is slightly more expensive than other providers. I compared Stripe in Mexico which charges 3.6% plus 3 pesos (~$0.15 usd) per transaction, vs Conekta.com (essentially the Mexican Stripe) which charges 2.9% plus $2.5 pesos per transaction. When the monthly transactions hit approximately 50k USD, combining Spreedly and Conekta is the cheaper option. I don’t know how it would be in other countries, but that could lead to substantial savings if monthly transactions are higher than 50k in this use case. Since Dropsource is focused on larger enterprises more so than small business, Spreedly is a clear winner (at least financially) in my view and I think its a compelling argument for a large business. If i’m Loreal, Lyft or Mcdonalds, its a no-brainer.
Another factor to consider that favors Spreedly is that you would only need to integrate once. Spreedly has integrated with all these gateways, and you can add a new gateway to your Spreedly environment very easily. With a Stripe plugin only, a big business is back to square one if they want to use their Dropsource app in a non-stripe country (26 countries at the moment).
Lastly, Dropsource is all about speed. Prototype quickly and get through the feedback cycle as soon as you can to improve your product. Being able to switch payment gateways extremely fast aligns well with that idea.
-At the end of the day i think its a judgement call. A Spreedly-Bubble integration could work, and so could a Stripe-Bubble integration.