My payment processor just terminated my account and i am reminded once again too self host literally everything.
I already have a self hosted crypto rail but for many people that is not an option, bank transfer is quite easy to do with just checking against my bank’s API, but remembering from the data before i got terminated it was around 40% transfer, 40% ideal, 20% card.
Is there anyway to self host those other payment ways outside transfer?
Does anyone have experience with this?
If you do thank you very much!
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How far up the stack do you want to go? Are you going to build a relationship with Amex and Visa and American Express? Are you going to pass all their certifications? Are you going to do all the kyc work? Going to set up your own PCI audit?
There’s a reason payments processors exist. The relationships you need and the regulations involved are complicated. It’s also not cheap. This is by design.
I mean if it’s just a question of work i would do it, but it costs a ton of money as you said.
Acronyms, initialisms, abbreviations, contractions, and other phrases which expand to something larger, that I’ve seen in this thread:
Fewer Letters More Letters DNS Domain Name Service/System Git Popular version control system, primarily for code SSD Solid State Drive mass storage VPS Virtual Private Server (opposed to shared hosting)
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I’ll ask the question no one else is. Why is your payment processor terminating your account?
Supposedly i am violating this article:
SECTION 4: YOUR OBLIGATIONS
Article 4.1 Prohibited Activities
You must only accept payments and process them through Mollie’s Payment Module for the lawful sale and provision of legal products and services according to the Organisation’s country of establishment, the Customer’s country and the Netherlands. There are certain categories of Organisations and activities for which the Payment Services cannot be used. Most of these categories are imposed by the Financial Institutions and Intermediaries and applicable Scheme Rules used by Mollie to process Transactions. Mollie keeps a list of prohibited activities. Mollie has made the full list of prohibited activities, products and services available on its website. Mollie can, at any time and without prior notice, change this list, and remove or add activities or services. Mollie may also decide, at its own discretion, to decline products and services that are not explicitly mentioned on the list, but which pose an unacceptable risk to Mollie based on its internal policies.
By registering with Mollie, you confirm that you will not use our services for activities other than those approved during registration or explicitly approved by Mollie afterwards. If Mollie thinks or suspects that you are nevertheless accepting payments for prohibited activities as referred to in this Agreement, you must cease these prohibited activities immediately at Mollie’s request. If you do not cease the prohibited activities within the period set by Mollie, Mollie reserves the right to suspend your Account and/or terminate this Agreement with immediate effect. In case of doubt, you should contact Mollie Support for further information. If Mollie determines that your activities pose a risk to it that cannot be remedied, Mollie reserves the right to terminate this Agreement with immediate effect and without prior notice for such activities. Any Fines imposed by an Intermediary in relation to a breach of this section are payable by the Organisation.
This is my shop
Im not even selling anything at the moment, and even if i was linux phones aren’t illegal?
At first i tought donations were prohibited but they are allowed?
https://help.mollie.com/hc/nl/articles/115000632489-Kan-ik-Mollie-gebruiken-om-giften-te-ontvangen
This is the list of prohibited activities:
I can only think that they banned me under “Hacking or cracking tools” because they found the word “flashed” scary sounding.
sounds tricky because eventually it relies on some accessible api of the banks or other place the money is at.
btw, it would be helpful if you disclose in which country you are, i guess USA, but can’t be sure. this would change some aspects.
Netherlands, i can acsess my bank’s API no issue, that’s how i made my current bank transfer integration, but card payments are now impossible.
did you check out wero? didn’t read into it myself yet much, but as i understood it should do this at some point. just not sure when.
Yeah, but it’s more of the same as far as I understand, a closed scheme that requires a payment processor to enter.
It’s also not available in the Netherlands yet.
Does your bank even allow you to file debit notes, or collect money from other people’s credit cards? As far as I know that’s never part of a regular consumer bank account…
For payment in advance (if you clients put in the effort to do a bank transfer) I think there’s HBCI, FinTS or whatever standards we have integrated in some CRM and eCommerce solutions.
What i ment with bank transfer is that people send money to my bank account with a payment reference, and i poll the bank API to see if a payment has arrived with that reference.
No my bank doesn’t allow me to send SEPA debit, I don’t have a consumer bank account i have a business account but they still don’t allow it.
Maybe check out GNU Taler: https://www.taler.net/en/index.html
Ive looked into it and maybe i understand it wrong but isn’t this just crypto?
Isn’t this already what people do when they pay with EURC?
buy EURC at an exchange, get it into their wallet, send it to my wallet, i sell the EURC for EUR at an exchange?
deleted by creator
From their site:
Taler does not introduce a new currency. Taler uses a digital wallet storing coins and payment service providers with settlement accounts in existing currencies. Thus, Taler’s cryptographic coins correspond to existing currencies, such as US Dollars, Euros or even Bitcoins.
I’m not deeply familiar with it to say for sure.
You might’ve done it already but it might be worth looking here as well https://github.com/awesome-selfhosted/awesome-selfhosted
Payram?
This seems very interesting. I’ll take a look thanks!
I also found https://piprapay.com/
This seems to be a dashboard for payment processors like the other one linked here, however Payram seems to be an actual payment processor without KYC, no idea how they do it but im not complaining.
Still looking into payram and i have to say it looks a bit sketchy but if it works it works.
EDIT: I would recommend against using Payram for anyone reading this, it’s very sketchy and what seals the deal for me is their application is closed source.
https://github.com/PayRam/payram-runtime-base/pkgs/container/runtime-base
links to their github repo:
https://github.com/PayRam/payram-core
which 404s at time of writing.
without KYC
very sketchy
These are synonymous. You will not find one without the other.
You might also look at https://peer.xyz/, which seems to have a roughly similar concept to Payram. The website seems a little sketchy in some ways but at least the git repo has code in it and there’s a chatroom that was active last I checked.
I’ve been searching aswell but also with these results they all seems to be dashboards, gateways, or whatever that integrate with payment processors. I can’t find a truly self hosted payment processor.
The only one that genuinely claims to do it is Payram, but they seems so sketch that im not going to use it.
That’s all I got bro. I tried.
Thank you for helping!
Payram seemed really interesting at first, but too risky sadly.
Saame. Altho just regular webhosting for me
Mine just disabled all domains as their antivir found a “”“potential backdoor php”“” - thats what they claimed* (just a php page parser)
=> just a cute “login to user 401” error on all domains. Why bother quarantining a single file if you can disable a customers entire webspace
Ordered a “Dell Wyse 5070 Thin Client Mini PC Server J5005 Celeron J4105 8gbRAM 64 gb SSD” and will selfhost my sites now…
Flip dependency.
Self host Akkoma. Selfhost Websites. Hack your router. Done.
What a weird world we live in.
That leaves domains. Can’t self host those
*their ““antivir”” claimed lots of things … its hilarious
Maybe this can help you ? https://github.com/juspay/hyperswitch
That leaves domains. Can’t self host those
You mean DNS? Absolutely can self host those if you have a stable IP address. I ran djbdns for years, although it was on a xen VPS slice in a datacenter, not in my home.
The information you file with your domain registrar includes at least two IP addresses (which can be the same) and names (which must be different) for the primary name resolvers for your domain. The registrar communicates those to the right upstream layer - in the case of .com, that means a query to a.gtld-servers.net asking for an NS record for example.com will get a response with your DNS server’s name (perhaps a.ns.example.com or ns1.example.com) as well as a “glue” answer (in the same response) of an A record that defines the IP address for that name. Any recursive resolver will then ask your server for the subdomain records.
You can update records on your nameserver at any time, but you’re subject to some delays in updating those glue records and it’s not automated, so you really don’t want them to be dynamic addresses.
It gets more complicated with DNSSEC.
As far as i can tell this seems to be a dashboard for payment processors, not a self hosted payment processor.
