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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

#81

i do wish i could vibe code payments. stripe is good but LLMs need help.

We're working on getting there. What got us out of our seats to build this was realizing that LLMs still struggled with the fairly basic data modeling and distributed systems problems that existing payments providers pose. Any solution they came up with was only ever narrowly correct, brittle, and a nightmare to maintain

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

#82
How do you guys handle past due / grace period if there are no webhooks? Like, do you notify the end-user that their card failed and they need to update their card? Or do you let Stripe send emails?

What's your approach to 3DS and related race-conditions for subscriptions? In my experience 3DS is by far the biggest problem for subscription integrations - not the webhooks.

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

#83
post #57

Earlier quoted context omitted.

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.

Their website says fully opensource and since it’s a Stripe wrapper, this seems to be an opensource alternative to Stripe Elements. It does require a Flowgrad account and key so it will provide value if other payment processors started using it. Is there any benefit to using Flowgrad’s react components and hooks over Stripe elements directly?

I thought the whole post was about the benefits, namely that Stripe has too many webhooks and doesn’t handle enough of the tax computation.

Did I misunderstand something? Or is this about a different angle?

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

#84

Earlier quoted context omitted.

There's a lot of React devs out there who have never touched a server-side anything.

I feel like fullstack engineer was a BigTech manufactured title designed to save costs compared to hiring two experienced engineers, one in frontend and one in backend, but ended up leaving the fullstack engineers in a limbo state where they are neither good at frontend, nor good at backend, hence they require a bunch of (VC funded) tools to "simplify" their development life.

It's really not hard to be good at both. Or at least to understand enough to be fluent in both.

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

#85
post #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.)

It scans that way right now because Stripe is more visibly involved in the onboarding process. Maybe another way to parse it is "Shopify for software", where we combine the movement of money and subsequent state transitions involved in unlocking value. But instead of shipping physical items, it's granting entitlements.

Either way, thank you for the feedback. We're still refining how we explain it.

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

#86

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 not very well hidden, it took me around 15s to figure it out from the main page. They are also trying to diversify (obviously).

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

#87

How do you guys handle past due / grace period if there are no webhooks? Like, do you notify the end-user that their card failed and they need to update their card? Or do you let Stripe send emails? What's your approach to 3DS and related race-conditions for subscriptions? In my experience 3DS is by far the biggest problem for subscription integrations - not the webhooks.

Grace periods and past due - our current default behavior is: - when the first charge fails, we block access - when the n+1th charge fails, we continue grant access until you cancel their subscription

There's a lot of work to do to make that behavior more configurable, because every merchant has a different policy.

For 3DS we're working on getting more explicit coverage for. Not quite 3DS but related: we currently have it set up so that if your customer successfully adds a payment method but the first charge fails, we also won't grant entitlements in that case.

Lots of weird payments edge cases to work through still.

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

#89
post #83

Earlier quoted context omitted.

Their website says fully opensource and since it’s a Stripe wrapper, this seems to be an opensource alternative to Stripe Elements. It does require a Flowgrad account and key so it will provide value if other payment processors started using it. Is there any benefit to using Flowgrad’s react components and hooks over Stripe elements directly?

I thought the whole post was about the benefits, namely that Stripe has too many webhooks and doesn’t handle enough of the tax computation. Did I misunderstand something? Or is this about a different angle?

Ah that is another benefit, using Stripe Elements and Stripe directly, you have to save the subscription ID and other fields in your database. Flowgrad seems to handle this on their side.

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

#90

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.

They hide it because you won't choose them if you were aware that it's Yet Another Wrapper around someone else's service.
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