hn • r/hackernews
Comment on: Ask HN: What are you working on? (September 2025)
Customers do create an account and provide a payment method, but they don't pre-fund or hold a balance, and they don't initiate a payment. Small Transfers is an API that allows merchants to charge very small amounts programmatically. At the end of each month (or earlier, if a threshold is reached), we charge the customer what they owe. This makes the tiny charges viable and avoids death-by-$0.30.It's not a PayPal remake, since there are no wallets, no P2P transactions, and no stored funds. In addition, Small Transfers allows very small charges (as mentioned above), and provides customer OAuth