In January I went of to speak with a group building this same service. Just sent this link to their R&D lead.
I love your design. Its amazing. The “Pay” concept is great. @Jimi is right about trust. and @TomiWalker too.
Trust is easy to fix - Grab an insurance company to insure for theft. Just pay them a percentage. Put them on your site and you have closed it out.
Now my main concern for you is prank fraud.
Stripe will shut you down and blacklist your website and you may never be able to use that domain again. Just google the phrase TMF.
You need to verify phone numbers before you accept payments. That is important.
Like @onyeka has mentioned, the ‘Pay’ Function should be well defined. I however noticed that the Payment Page has a list of ‘Items’ to select from. Unfortunately, at-the-moment, only three(3) items are listed.
You should update accordingly.
Payment should come-in after booking.
You can replace the ‘PAY’ Menu with ‘FAQ’. Let ‘FAQ’ exercise ‘Customer Happiness’ et al.
You should add a Signup Function for workmen so you don’t limit your offerings as mentioned by @Jimi
An SSL Certificate for your site is not a bad idea. Not just the one on Payment Page by Stripe. It’ll help build trust further.
@anytask Prank fraud is fraud associated with people fooling around on your website.
The global credit card fraud community will look for a site that accepts international cards, (like your site) to test all the credit card numbers they have to see which one works.
So after harvesting a lot of credit card numbers, they usually look for a website with very easy payment gateway access. As soon as they start testing on your site, they know it is only a few hours before your close down your site so they will run as fast as they can. You could be waking up to 5000 attempted payments once they have discovered your site. Its like a coordinated network. For them its just about testing which of the card numbers, and cvv combination until they see which one works.
To comply with credit card network rules, stripe has to cut off any merchant with more than 1% chargeback. So as they are testing those cards, if any one works and it is debited, you will need 100 genuine transactions to mantain your payment account.
Now here is the hard/sad part. If stripe suspends your account, they have to report you, your domain, your EIN (or SSN of the party) to the credit card network. This is where the TMF comes in.
Terminated Merchant File is a tool used by credit card processing companies to screen potential merchants before giving them a merchant account. It is also known as a TMF or the MATCH list. The Terminated Merchant File is shared among processors and acts as a blacklist, where merchants with high risk accounts or excessive chargebacks are put on the list and prevented from opening an account with a different credit card processor.
So if that happens, you are on a blacklist and that blacklist is maintained by mastercard/visa and you will need a new website, a new EIN AND a new SSN to move on. Thank about that.
So I suggest you add phone number verification to ensure only Nigerians are able to make payment.
Alternatively, you can build your algorithm to only accept Nigeria bank cards. THIS IS SOMETHING YOU SHOULD FIX RIGHT NOW. DON’T WAIT 24HRS.