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Show HN: We built an open source, zero webhooks payment processor

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Re: Show HN: We built an open source, zero webhooks payment processor

#51

For those who are wondering, like me, what is this? Is this a new alternative to Stripe? The answer is: no. This is an added layer of abstraction on top of Stripe.

For now, yes. The game plan over time is to get deeper into the actual card rails side of things. But first we really want to nail the developer experience.

That's fine, but it does mean that your current submission title is factually incorrect. You didn't build a payment processor, you build a payment gateway.

Re: Show HN: We built an open source, zero webhooks payment processor

#52

Earlier quoted context omitted.

Isn't this pretty much what every processor everywhere charges? I have been out of the industry for 10+ years but I remember this being pretty standard.

It ain't by much, but we're a tiny bit cheaper than Stripe when you consider how much they charge for Billing (.7% for them vs .65% for us). And pretty much every Stripe integration uses Stripe Billing (unless they pair with a 3rd part billing SaaS)

> pretty much every Stripe integration uses Stripe Billing

Isn't Stripe Billing only for subscriptions?

Re: Show HN: We built an open source, zero webhooks payment processor

#53

For what it's worth, the landing page is one of the most beautifully designed things I have seen in a long time. Congratz on the launch, didn't want to be so negative. I just hate that this is built on top of Stripe :(

I liked it too, reminds me of zed.dev...

Re: Show HN: We built an open source, zero webhooks payment processor

#54

For those who are wondering, like me, what is this? Is this a new alternative to Stripe? The answer is: no. This is an added layer of abstraction on top of Stripe.

For now, yes. The game plan over time is to get deeper into the actual card rails side of things. But first we really want to nail the developer experience.

You intend to restrict this to a single market? There's some sibling comments that do point out that.

Much "annoyances" when it comes to money is all those weird laws and rules from lower level companies in place, improving things for developers is a laudable goal but I do hope that you guys have some real world experience with these systems apart from frustrations as system users because doing a good DX right now feels like it could make you end up in a dead end.

Re: Show HN: We built an open source, zero webhooks payment processor

#55
post #37

Earlier quoted context omitted.

Sure, but everything from the Stripe UI down to their API is feature creeped. I remember using it 10 years ago and I got it working in 10-20 minutes. Last month I see it up for my new project and it took almost a whole day

Were you using it in the same way?

I'd bet the typical payments integration has more complex requirements now than those from 10 years ago. That's what usually happens as a space becomes more important and, therefore, more regulated. Usually new entrants will come in and try to provide a tidier interface for solving an increasingly complex problem. In payments, as others in the comments have pointed out, that process is hampered by the gatekeepers involved.

You'd have to commit to building an amazing developer experience and navigating bank partnerships and compliance (per country), risk, antifraud, etc.

That's why the payments devex feels so behind the DB, hosting, or auth devex today.

Re: Show HN: We built an open source, zero webhooks payment processor

#56

Earlier quoted context omitted.

Closer-to-the metal integrations with providers is definitely a big headache. Solving that problem takes a bit longer because you need bank partnerships, in many cases have to pass compliance screens, etc. We're aiming to tackle the more tractable part first which is the developer experience

If you're trying to be like Vercel—it's a red flag for any reasonable person when you clearly spent more effort on your landing page than your actual product. What made Stripe so successful is that, I personally would not even attempt, like you said, "integrations with providers" "bank partnerships" "compliance screens" because that sounds basically impossible.

we're lucky enough to have a founding designer who makes it look easy in about a week - we spent about a year on the product in silence.

Re: Show HN: We built an open source, zero webhooks payment processor

#57

For those who are wondering, like me, what is this? Is this a new alternative to Stripe? The answer is: no. This is an added layer of abstraction on top of Stripe.

Pretty much my 1st question when I see a new billing product. Thank you for answering that. I don't understand why products like these hide that fact or keep it hidden. A great product that requires connecting a payment processor can still be a great product but it is not an actual payment processor and that part needs to be clear immediately on your landing page.

It's probably because "we built our castle inside Stripe's kingdom" doesn't sound very cool.

However, if enough people start using this then they might become the new gatekeepers because they could swap Stripe for any other payment processor without the need of the user knowing.

Re: Show HN: We built an open source, zero webhooks payment processor

#58
post #52

Earlier quoted context omitted.

It ain't by much, but we're a tiny bit cheaper than Stripe when you consider how much they charge for Billing (.7% for them vs .65% for us). And pretty much every Stripe integration uses Stripe Billing (unless they pair with a 3rd part billing SaaS)

> pretty much every Stripe integration uses Stripe Billing Isn't Stripe Billing only for subscriptions?

Stripe Billing handles subscriptions and usage based billing now. Most software products fall in one of those two categories, or sometimes both. As a result, most software companies are paying more than 2.9% + $0.30 for Stripe, closer to 3.6% + $.30.

To only pay Stripe 2.9% + $.30 they'd need to only use Stripe just for charges, and either build their own billing engine (usually poor use of time) or use a 3rd party SaaS.

Re: Show HN: We built an open source, zero webhooks payment processor

#59

For those who are wondering, like me, what is this? Is this a new alternative to Stripe? The answer is: no. This is an added layer of abstraction on top of Stripe.

It looks like this is more akin to a React-only Chargebee where entitlements etc. are stored with the billing provider.

(Apologies if I am misreading the site.)

Re: Show HN: We built an open source, zero webhooks payment processor

#60

Earlier quoted context omitted.

I’ve been in software long enough to know that there’s a market for products that make things slightly easier for devs and their managers who think even common APIs like stripe are too hard. The number of devs who are struggling with web hooks and simultaneously have some budget to spend is probably bigger than you think. Often these products are pitched and sold to non-technical managers, too. The sales team will le…

I'm sorry, but seeing the words "dev" and "struggling with webhooks" in the same sentence makes me cringe. I mean, I have nothing against higher level abstractions, but I'd be worried to ship (as a dev) and use (as a customer) a product that was built by someone who does not have deep understanding of what they are doing.

I had the pleasure of working with teams that couldn’t even figure out how to use analytics in their product. They had zero idea who was using it and how many people were using it. They ignored the thousands of DB deadlock messages in the logs; well, they just ignored the logs completely, actually. All they cared about was shipping the next feature and getting the one QA guy to agree it was working correctly so the ticket could be closed.

This is much more common than you might think.

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