this post was submitted on 20 Sep 2025
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[โ€“] rikudou@lemmings.world 21 points 2 weeks ago (2 children)

Why not simply mandate all banks to support immediate payments? And to support webhooks for all payments? That would make it extremely easy to not rely on Visa/MasterCard.

[โ€“] ChairmanMeow@programming.dev 13 points 2 weeks ago (1 children)

Instant payments have already been mandated through SEPA. It will come into force quite soon.

[โ€“] rikudou@lemmings.world 1 points 2 weeks ago (1 children)

Even for non-Eurozone countries?

[โ€“] ChairmanMeow@programming.dev 3 points 2 weeks ago (1 children)

Just SEPA afaik. But that makes sense for Brussels to dictate, the rest of the world is a little beyond their jurisdiction.

[โ€“] rikudou@lemmings.world 1 points 2 weeks ago (1 children)

Well, Eurozone != EU. And if I'm not mistaken, it either was or will be mandatory for Eurozone, but not the whole EU. Though I might be mistaken.

[โ€“] Microw@piefed.zip 1 points 1 week ago (1 children)

The only reason why eurozone and EU are not the same (bar the countries with exceptions) is that multiple countries still fail to adhere to the criteria needed to join the euro - and some, like Poland, fail on purpose.

[โ€“] rikudou@lemmings.world 1 points 1 week ago (1 children)

I do know that, I live in country which fails on purpose. Not sure why the lecture?

[โ€“] Microw@piefed.zip 1 points 1 week ago (1 children)

Nothing against you personally. It is just a bit annoying when people from EU countries who refuse to join the Euro then complain about their currencies/financial market getting treated differently than the Euro zone.

[โ€“] rikudou@lemmings.world 1 points 1 week ago

I wasn't even complaining, I was simply asking whether something changed.

[โ€“] Flax_vert@feddit.uk 4 points 2 weeks ago (1 children)

How can you pay using webhooks?

[โ€“] rikudou@lemmings.world 7 points 2 weeks ago* (last edited 2 weeks ago) (1 children)

Step 1. You pay using an immediate bank transfer

Step 2. Bank sends a webhook to the merchant letting him know in real time the money were received

Step 3. There's no step 3, you paid, merchant has got the money immediately and knows about it and you avoided using foreign card companies.

[โ€“] Flax_vert@feddit.uk 1 points 2 weeks ago* (last edited 2 weeks ago)

~~Don't bank transfers have problems with buyer protection?~~

Do suppose crypto does, actually...