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OpenSpend Invoicing software + Guided online bank transfer https://openspend.riamu.io

Banks already do all these and as the OP mentioned, it's a layer on top of the bank. It's still traceable and fully compliant by the fact that banks know who is sending to who and …

For users/customers to make an effort to complete an online e-transfer, the incentive is to purchase the product or service with -2.9% + -$0.30 OFF or similar.

I believe these companies are already doing it and charging a fee because they provide compliance and have required MSB licenses. 1. https://plaid.com/products/transfer/ 2. https:/…

Trying to solve it with OpenSpend. Feel free to steal the idea. Sending e-transfers to businesses to pay for things is legal, unless I am mistaken. Please enlighten me.

OpenSpend is an open-source, free-to-use, self-hosted payment gateway for your next app, project, or business. It lets end users send money directly to businesses using their onlin…

Definitely solving a real problem!