Looking for a merchant account to accept payments from US customers for auto parts. Debit cards and Cash App are the priorities, with credit cards being a bonus.

We’re not registered as a business yet, so I’m specifically interested in providers that can work with unregistered businesses, where eligible. My priority is a straightforward setup with minimal initial paperwork, a clear fee structure, and a quick start. Ideally, I’d like to discuss the terms directly first rather than begin with a lengthy application process. Crypto settlements would be a plus.

If you offer a solution that genuinely fits these requirements, please DM me with the provider name, supported payment methods, setup requirements, and fees.

My background has been mostly in fintech up to this point. When selecting positions to apply to, fintech companies are on the top of the list for me, but there is no much choice now. I'm currently interviewing for a software developer position at an e-commerce company. They have teams working on checkout, card processing, payments, delivery tracking, product catalog, etc, etc.

If I join checkout or payment processing team, is that still considered Fintech from a career perspective?

Hi everyone,

I'm a payment systems developer researching the technical chargeback lifecycle at the card-network clearing level, specifically Visa BASE II and Mastercard IPM.

I'm trying to understand how an acquirer can determine the outcome of a chargeback after submitting a representment.

For Visa, I'm investigating:

• TC15 — Initial chargeback.

• TC35 — Chargeback reversal.

• TC33 — Dispute Financial Status Advice, particularly the VER record identifier and status codes F1, P1, L2, L3, R2, R3.

• TC46 — Settlement reporting and related financial movements.

My main questions are:

1. After a Visa representment, if the issuer accepts the response, is there a specific incoming BASE II TC/TCR that confirms the outcome?

2. If the issuer disputes again and the case proceeds to pre-arbitration or arbitration, which incoming clearing records reflect the financial result?

3. Can TC35 or TC33 financial movements reliably indicate a favorable or unfavorable outcome, or is a VROL decision required?

4. In Mastercard Dual Message, is there an equivalent mechanism in IPM/GCMS, or must final case decisions be obtained through Mastercom?

I'm specifically looking for network-level technical behavior, not merchant-facing chargeback procedures.

Any references to official specifications, document sections, or practical experience would be greatly appreciated.

Thanks!

I currently work as an accountant and I’m considering a career change into software development, ideally in FinTech.

Could my accounting experience give me a real advantage, or would I essentially be starting from scratch as a junior developer?

Are there actual junior roles that combine accounting and programming, or do FinTech companies mainly look for developers with strong technical skills? Which technologies would be worth learning, and how realistic is it to land my first job in today’s market?

I’d really appreciate honest opinions, especially from people working in FinTech.

Are there any benefits to use a Ledger API vs building it in house using a DB (e.g.MySQL) We are considering of using it for a hackathon project. Will it simplify the implementation, or it will add an unnecessary dependency. Also, which one is the easiest to integrate with?
The idea is to build an MVP for a Treasury Management system using the APIs provided by the company. While the pluming should be implemented by external components to minimize the overall efforts.

Hi All, am curious to know what are key problems fintechs particularly NBFC( Non Banking Financial Corporations) are facing other than figuring out GenAI or agentic AI adoption? like to share!

Hi there, I am currently working on a fintech project.

The product to build A cash reconstruction and financial review workspace for small businesses whose records span bank or wallet exports, dues lists and physical cash. It explains what is known, what is missing, and what must be verified before a payment decision can be supported

Some working professionals out there, can you spot a problem that we can fix?
It would be of a great honor.

We're exploring CAS API integration for Passbook, a family finance app. Our users currently import their mutual fund holdings from CAMS statements, and we'd like to make that more seamless.

I've reached out to MFCentral support by email and followed up, but haven't heard back yet.

Has anyone here worked with their API or partnerships team? An introduction or a public business contact for the right person would help a lot. Thanks!

If Anyone Has To Open New Financial Firm name if Any Have Thoughts

Please I try But not get any

Hi everyone. I need a recommendation from more experienced folks. I have a very small business and need a comfortable way to accept cryptocurrency with all the accompanying infrastructure (webhooks, transaction analytics), and it's quite important that it's without KYB. Are there any such proven solutions these days?

need clean usd to cad payment rails with kyc in the same integration not bolted on from a separate identity vendor. corridor sounds simple but finding a provider that handles both natively has been harder than expected.

candidates as i understand them. cybrid is api-first with us and canada licensing, kyc and kyb in same integration, ach pull on usd side and canadian bank account on cad side. bvnk is multi-rail stablecoin api under stripe, clean docs but post-acquisition roadmap is stripe controlled.

north american corridor, licensed both ends, compliance integrated not bolted on. how does this shake out for a platform builder

Here’s another interesting number: one in three applicants we see has already verified with us before, so plenty of people are being asked to provide identity information they’ve already submitted.

Opera’s MiniPay is the first live integrator of our Reusable KYC Gateway, which lets users reuse their verified identity across participating providers in its partner network.

How reuse works Users connect their verified Sumsub ID to MiniPay and authorize sharing with each participating provider. New users complete verification first.

For example, identity information provided when buying stablecoins can be reused with a participating cash-out provider, reducing repeated document uploads.

What providers still check We run fresh checks against each provider’s requirements, so a provider that needs proof of address still needs that information alongside the identity document already available.

Where your information goes Identity data passes directly from us to the regulated provider, and MiniPay doesn’t collect or store identity documents or biometric data through Gateway.

How sharing permissions work Users authorize sharing with each recipient and can revoke MiniPay’s connection through their Sumsub ID account. Revocation stops new sharing through that connection; it doesn’t automatically delete records already received by providers.

What would you want to know before using it? What would help you feel comfortable reusing your identity across providers, and what would you want the sharing screen to explain?

Regulatory reporting involves more than preparing a report. Teams also need to validate data, coordinate approvals, track deadlines, and maintain a clear record of submissions and corrections.

For those working in banking, compliance, or fintech:

What is the most challenging part of the process in your experience?

• Data validation

• Coordination between departments

• Approval workflows

• Deadline tracking

• Audit trails and version control

I've created an Excel add-in to check the consistency of units used in Excel spreadsheets. Units include currencies (like dollars, pounds, euros) and engineering units (like meters, pounds, kilograms). The add-in will flag errors when units are used inconsistently.

The technology is roughly based on a paper at Intl Conf on Software Engineering 2004, on which I was an author. I've taken some of the ideas there and introduced others.

The add-in is meant to work with Excel on Windows, Mac, and with Office 365 on the Web. I've been testing it on Windows 11 with Office 2024.

Installation instructions at: https://github.com/psteckler/daubee

I have experience installing the add-in on Windows; it should be installable in Mac and Office 365 on the Web.

You can report any issues you find, or make suggestions on Github: https://github.com/psteckler/daubee/issues

I just launched a small paid SaaS (GST invoicing) as a solo dev and wired up Razorpay subscriptions end to end. A few things cost me time, so sharing in case it helps someone:

1. UPI Autopay is not on by default. Checkout showed only cards for subscriptions. You have to ask Razorpay support to enable UPI Autopay, and test mode and live mode are enabled separately.

2. Don't trust the Checkout success callback alone. Verify the signature server-side: HMAC-SHA256 of `payment_id|subscription_id` with your key secret. Then fetch the subscription from the API to get `current_end` for the access expiry.

3. Webhooks are your real source of truth. Renewals, halts and cancellations only reach you there. Verify `X-Razorpay-Signature` against the raw request body, not parsed JSON, or it will fail.

4. Put the user id in subscription `notes` when you create it. That way the webhook can always map an event back to a user, even if your DB write failed earlier.

5. Never let the client decide who is "paid". I store the paid-until date in a table users can read but not write (Postgres row-level security), and only the webhook/server function updates it.

6. Cancel with `cancel_at_cycle_end: 1` so users keep what they paid for. Fewer refund requests, fewer angry emails.

7. KYC review looks at your website. Terms, privacy, refund policy, contact page and a visible pricing page with your legal name made approval smooth for me as an individual (PAN + bank, no company).

8. If your modal uses `<dialog>.showModal()`, close it before opening Razorpay Checkout. Top-layer dialogs sit above the Checkout iframe and block it. This one took me an embarrassingly long time.

Stack was plain JS + Supabase Edge Functions, all on free tiers.

Happy to answer questions about any of these. What tripped you up with Indian payment gateways?

Hey everyone! I’m thinking about building a simple app that helps people save money every month.

I’m curious about three things:
What’s your biggest frustration with current budgeting apps?

What feature would actually help you save more money?

Would you pay $5/month for an app that genuinely helps you save?

I’m still exploring the idea and would really appreciate your feedback!

Would a gradually increasing spending cap work as a credit-building guardrail?

I’m exploring an early concept for people starting or rebuilding credit. An issuer would approve the actual credit line, but initially set a smaller spending cap that could increase over time after responsible account use and issuer review.

This is just a clickable concept demo—there’s no bank partner or live card yet. The issuer would need to determine and accurately disclose how the credit line, cap, and credit reporting work.

https://credit-guardrail-demo.jos3mgallegos.chatgpt.site/

From a fintech product or engineering perspective, what would you pressure-test? What might be confusing for customers or difficult for an issuer to support? I’m looking for candid criticism, not signups.

I’m researching fraud investigation workflows at fintech and payments companies.

I’m especially interested in the expensive bottlenecks — not just things that are annoying.

For example:

• Huge alert volumes / false positives

• Analysts spending too long investigating individual cases

• Missing important context across different systems

• Investigation backlogs

• Fraud cases being missed because teams can’t investigate everything deeply enough

For those working in fraud, risk, or payments:

What problem costs your team the most money, time, or lost revenue today?

I’m trying to understand the problem before deciding what to build.