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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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[-] surewhynotlem@lemmy.world 8 points 6 days ago

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.

[-] TheMightyCat@ani.social 3 points 6 days ago

I mean if it's just a question of work i would do it, but it costs a ton of money as you said.

[-] whoisearth@lemmy.ca 7 points 6 days ago

I'll ask the question no one else is. Why is your payment processor terminating your account?

[-] TheMightyCat@ani.social 8 points 6 days ago* (last edited 6 days ago)

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

https://catcrafts.net/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:

https://help.mollie.com/hc/en-us/articles/115000939369-Which-products-and-services-does-Mollie-not-accept

I can only think that they banned me under "Hacking or cracking tools" because they found the word "flashed" scary sounding.

[-] whoisearth@lemmy.ca 2 points 6 days ago

So the easy question is what have they told you? Did they send you article 4 or are you assuming?

Based on that and your store I see no reason. I'd be curious what their TOS is.

[-] TheMightyCat@ani.social 9 points 6 days ago* (last edited 6 days ago)

This is what they sent me:

Waarom is mijn account gesloten?

Op basis van onze beoordeling hebben we vastgesteld dat je onderneming een risiconiveau heeft dat buiten onze acceptatiecriteria valt. Zoals beschreven in artikel 4.1 van onze Gebruikersovereenkomst kan Mollie haar diensten weigeren of beëindigen wanneer een onderneming niet voldoet aan onze risicovereisten.

Translation:

Why has my account been closed?

Based on our assessment, we have determined that your business presents a level of risk that falls outside our acceptance criteria. As set out in clause 4.1 of our User Agreement, Mollie may refuse or terminate its services if a business does not meet our risk requirements.

I guess they are referring to this paragraph in 4.1:

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.

But I have no idea why i am considered unacceptable risk?

[-] whoisearth@lemmy.ca 5 points 6 days ago

That's some bullshit I'd push them for the explicit reason that applies to that clause.

[-] inari@piefed.zip 7 points 6 days ago

I'm not sure that would change their decision

[-] MonkderVierte@lemmy.zip 5 points 6 days ago* (last edited 6 days ago)

Liberapay? Not selfhost, but the most foss i know of.

[-] justme@lemmy.dbzer0.com 2 points 6 days ago

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.

[-] TheMightyCat@ani.social 3 points 6 days ago

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.

[-] justme@lemmy.dbzer0.com 2 points 6 days ago

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.

[-] TheMightyCat@ani.social 3 points 6 days ago* (last edited 6 days ago)

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.

[-] justme@lemmy.dbzer0.com 1 points 1 day ago

the online shop version is not really available anyway so far, as far as i can figure out. but i understand that you should be able to directly deal with it via your bank. so your bank would be the professor, and that you anyway need :)

let's see what the future holds, I'm sorry that it won't help you now

[-] Decronym@lemmy.decronym.xyz 1 points 6 days ago* (last edited 1 day ago)

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)

4 acronyms in this thread; the most compressed thread commented on today has 9 acronyms.

[Thread #83 for this comm, first seen 21st Aug 2026, 13:10] [FAQ] [Full list] [Contact] [Source code]

[-] hendrik@palaver.p3x.de 21 points 1 week ago* (last edited 1 week ago)

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.

[-] TheMightyCat@ani.social 11 points 1 week ago

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.

[-] alcea@feddit.org 7 points 1 week ago* (last edited 1 week ago)

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.

genshin_neuvillette_sad_rain

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

[-] trailee@sh.itjust.works 9 points 1 week ago

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.

[-] TheMightyCat@ani.social 3 points 1 week ago

As far as i can tell this seems to be a dashboard for payment processors, not a self hosted payment processor.

[-] inari@piefed.zip 5 points 1 week ago
[-] TheMightyCat@ani.social 5 points 1 week ago* (last edited 1 week ago)

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?

[-] inari@piefed.zip 2 points 1 week ago

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

[-] irmadlad@lemmy.world 5 points 1 week ago
[-] TheMightyCat@ani.social 6 points 1 week ago

This seems very interesting. I'll take a look thanks!

[-] irmadlad@lemmy.world 5 points 1 week ago
[-] TheMightyCat@ani.social 16 points 1 week ago* (last edited 1 week ago)

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.

[-] surewhynotlem@lemmy.world 2 points 6 days ago

without KYC

very sketchy

These are synonymous. You will not find one without the other.

[-] chicken@lemmy.dbzer0.com 2 points 6 days ago

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.

[-] irmadlad@lemmy.world 3 points 1 week ago
[-] TheMightyCat@ani.social 6 points 1 week ago

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.

[-] irmadlad@lemmy.world 4 points 1 week ago

That's all I got bro. I tried.

[-] TheMightyCat@ani.social 6 points 1 week ago

Thank you for helping!

Payram seemed really interesting at first, but too risky sadly.

[-] irmadlad@lemmy.world 3 points 1 week ago

No worries. I use Square for my businesses, but they are not self hosted. They do take their skim off the top, but that's a cost of doing business.

[-] TheMightyCat@ani.social 5 points 1 week ago

I mean i don't mind paying a bit, they also have costs they need to cover ofcourse.

What i do mind is all this legal stuff, and then i submit the legal stuff, and my account gets terminated for no reason.

[-] irmadlad@lemmy.world 2 points 1 week ago

That sucks. Personally, I wouldn't selfhost financial applications. I don't need that headache with my money or someone else's either. I hope you find a solution.

this post was submitted on 20 Aug 2026
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