Payment Processor Fun 2025 – Making Your Own Merchant Service Provider

Re:Payment Processor Fun 2025 – Making Your Own Merchant Ser... by amaccuish on Saturday August 16, 2025 @03:29PM (#44926270)

> In most other countries, the worst you can do is deposit money.

So in the EU, anyone can indeed pull money with your account number (and with RTP that may change someday). But we can also revoke any such direct debit within a certain period of time.

I had to do it once, over my banking app, money was back the moment after I clicked.

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Re:Payment Processor Fun 2025 – Making Your Own Merchant Ser... by baobabKoodaa on Sunday August 17, 2025 @10:39AM (#44931898)

I live in the EU and this is the first I'm hearing of this. I don't think this applies to "the EU" as a whole. Not sure where you're from.

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Re:Payment Processor Fun 2025 – Making Your Own Merchant Ser... by amaccuish on Saturday August 23, 2025 @08:09AM (#44995386)

It's a SEPA thing.

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Re:Payment Processor Fun 2025 – Making Your Own Merchant Ser... by baobabKoodaa on Saturday August 23, 2025 @11:46AM (#44996789)

Finland is part of SEPA and we definitely don't have the ability to pull money out of someone elses' bank account without permission, using only the account number.

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Re:Payment Processor Fun 2025 – Making Your Own Merchant Ser... by amaccuish on Sunday August 24, 2025 @07:05AM (#45003228)

You're not a business. Businesses can.

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Re:Payment Processor Fun 2025 – Making Your Own Merchant Ser... by baobabKoodaa on Wednesday August 27, 2025 @03:40PM (#45044120)

No, businesses can not pull money out of a Finnish bank account, using only the IBAN number.

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