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A comment on Payment Processor Fun 2025 – Making Your Own Merchant Service Provider. Parent comment

Re:Payment Processor Fun 2025 – Making Your Own Merchant Ser... by flopsamjetsam on Saturday August 16, 2025 @02:56PM (#44926019)
> This is because in the US, anyone can pull money out of your account with only the ACH numbers

Whoa, I don't blame people for not wanting to provide ACH numbers in that case. Is there any groundswell to provide a system where this doesn't happen?

[ Parent | on HN ]
Re:Payment Processor Fun 2025 – Making Your Own Merchant Ser... by ianburrell on Saturday August 16, 2025 @10:16PM (#44928375)
FedNow is that system. It only sends money. Can request money but it needs to be approved.

However, I'm not sure if it uses different account numbers from ACH. It could be that sharing account numbers could be secure with FedNow and dangerous for ACH.

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Re:Payment Processor Fun 2025 – Making Your Own Merchant Ser... by soared on Sunday August 17, 2025 @10:32AM (#44931850)
No, since software if built around existing limitations. IE stripe invoices will generate a single use account number per invoice, so you can give that to someone who needs to pay. Aligns payment with invoice since they’re 1:1 and you can pull out funds since it’s always empty
[ Parent | on HN ]