Hi HN,

I built Small Transfers, a payments platform for SaaS / API makers who want to bill customers per request instead of pushing them into subscriptions or pre-buy packages.

*Why?*

  - Many customers hate subscriptions and/or want to use a service occasionally.
  - Traditional payment processors add a fixed fee to every charge, making charges below 1 USD impractical.
  - Stripe UBB tracks usage, but you still need to write your own auth, add spending limits, and each merchant charges cards separately (extra fees for customers).

*How it works?*

  - Each merchant has a Small Transfers account linked to their Stripe account via Stripe Connect, which is used to transfer payouts to merchants.
  - Each customer has a Small Transfers account where we verify them using Google Sign-In, 3-D Secure, and Stripe Radar to minimise the chances of a customer not paying their balance.
  - Customers allow your service to identify and charge them via platform's own OAuth. This also removes the need for your service to implement its own auth. (Simple services don't even need their own database.)
  - Merchants call a simple REST API to authorize and capture a charge with a minimum amount of 0.000001 USD. Note that you can authorize more than you capture, allowing you to authorize the max amount your request might use, and then capture your actual cost plus margin (great for many use cases, e.g., AI).
  - The platform takes care of charging customers and sending payouts to merchants.
  - Merchants pay a flat 3% fee. Customers pay payment processing fees when they pay for their balance.

There's a Next.js Starter project (https://github.com/smalltransfers/nextjs-starter) and a live demo (https://nextjs-starter.smalltransfers.com/).

I've been dog-fooding the platform with my own service (https://unattach.com/) and would love your feedback, specifically:

  - The general approach and whether there is anything I should do differently.
  - Any concerns and how I could mitigate them.
  - Any other feedback.

I'm also looking for more merchants to try out the platform, and can help you with the integration.

Thank you for your time! Happy to answer questions here.

Cool! Does it use crypto?

I've been wanting something like this for a long time. There's a lot of ways this could go wrong, but I hope it works.

I'd especially love a video platform using this model. I can't afford patreon for every YouTube channel, but I'd love to pay 10¢ per hour of video watched.