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I think you're seeing what the benefit is, though: it feels like you're just using an API to some company's DB. Payment processing is one area is that just a c
by stu2b50 6y ago
I think you're seeing what the benefit is, though: it feels like you're just using an API to some company's DB.
Payment processing is one area is that just a complete nonstarter to homebrew on your own. It's fucking awful. There's no choice. Bank's still require you to transfer them files via ftp to make transactions.
And god forbid the legal, and technical mess when you want to accept foreign currency, or even multiple CC providers.
- arp242 6y agoYeah, I have no doubt that it's better than what the banks are offering. "Homebrew on your own" is more or less what Stripe's API felt like though; the perspective I'm coming from is that I run a little one-person SaaS company with a simple and fairly standard subscription model, and I was surprised by the amount of "plumbing" you need to do for this.
- porker 6y agoThat's why companies like Paddle.com exist. I used them for a side project. Once you find the right documentation it's straightforward to integrate, but finding it took 3 days and 2 support requests.
- koreth1 6y agoWork in fintech, can confirm. Moving money around the global banking system is a pus-drenched no man's land of technological anguish and despair. Every time you think you've seen the worst of it, you find out you were wrong.
- DrBazza 6y agoAgreed. I had to implement a transaction audit using SOAP in 2019.
- dillonmckay 6y agoWe actively maintain multiple SOAP servers so an OEM can connect as a client, and send us data. The OEM required us to stand-up the servers so they could send us the data. We also still use FTP for some vendors (we host).
- rhlsthrm 6y agoCryptocurrency gets a bad rap here (most of it rightfully so), but one thing is for sure, once you use it you realize how broken digital payment infrastructure is. With crypto, I can trivially send any amount of money very cheaply across any sort of borders. Also, accepting crypto as a merchant is extremely easy even to roll your own custom solution.