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Implementing IPN on Paypal is a pain. It is really only required because the normal flow for Paypal is to take the user off your site to theirs and only redirect back to you when the user clicks a link or waits quite a long time. This results in loads of users not making it back, or clicking out of the flow. More modern client-based payments processing tends to happen in-page via javascript or an app.

The Stripe/Braintree-style flow is nicest in many ways - they post the card details off to the payment processor, who generate a unique retailer-specific token for the card and send that back to the page. The retailer then uses that to process the payment server-side just like they would have done if they had collected the card number, only without the PCI-compliance issues.




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