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Re:Payment Processor Fun 2025 – Making Your Own Merchant Ser... by immibis on Saturday August 16, 2025 @05:47PM (#44927161)
Not sure how they do it in the UK, but in the EU, for online purchases they typically give you a unique code to enter in the note field. This is picked up by an automated system and matched to your order.

It does sometimes take two business days to clear, so it's not good if your service requires fast turnaround (e.g. pizza delivery). Of course, it's always good to have another option, and perhaps even for pizza delivery you could accept it on trust with customers you have a good relationship with.

(On the software side, unlike a credit card payment, this does require that you temporally decouple ordering and billing. Besides the processing delay, a lazy user might not send the payment immediately. Two weeks seems to be a typical length of time, and of course you don't ship anything until payment is received. Treat it a bit like a cash-by-mail payment.)

Re:Payment Processor Fun 2025 – Making Your Own Merchant Ser... by graemep on Saturday August 16, 2025 @07:05PM (#44927567)
It is guaranteed to take no more than two hours in the uk, but still not fast enough for some purposes. Entering a code manually is also not convenient and is more error prone. its useful and widely used but not a replacement for card payments.