#micropayments — Public Fediverse posts
Live and recent posts from across the Fediverse tagged #micropayments, aggregated by home.social.
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Whatever happened to the idea of #micropayments for accessing websites? It’s not without its problems, but surely better than the current mess of advertising, paywalls and AI-generated slop?
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Whatever happened to the idea of #micropayments for accessing websites? It’s not without its problems, but surely better than the current mess of advertising, paywalls and AI-generated slop?
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Get to know x402 – The Artist Soon To Be Known as Agentic AI Payments!
Automated machine-to-machine payments have been conceptualized for years - The x402 payment standard is about to make it a reality!
Get ready for AI Agents to autonomously spend YOUR money on the open internet! https://open.substack.com/pub/techaptitude/p/x402-protocol-the-artist-soon-to?r=vn8b8&utm_campaign=post&utm_medium=web&showWelcomeOnShare=true #AI #AgenticAI #x402 #x402Protocol #AutonomousPayments #Blockchain #DigitalCurrencies #StableCoins #Micropayments #PayPerUse #USDC #EURC #TechAptitude
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Get to know x402 – The Artist Soon To Be Known as Agentic AI Payments!
Automated machine-to-machine payments have been conceptualized for years - The x402 payment standard is about to make it a reality!
Get ready for AI Agents to autonomously spend YOUR money on the open internet! https://open.substack.com/pub/techaptitude/p/x402-protocol-the-artist-soon-to?r=vn8b8&utm_campaign=post&utm_medium=web&showWelcomeOnShare=true #AI #AgenticAI #x402 #x402Protocol #AutonomousPayments #Blockchain #DigitalCurrencies #StableCoins #Micropayments #PayPerUse #USDC #EURC #TechAptitude
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@StrawDog @donni And the troubles were cemented when the capitalists failed to add a practical way for visitors to pay a website operator an amount between 0.10 and 1.00 USD for access to an Internet resource. (Each credit card transaction has a fee close to 0.30 USD on top of the 3% of the total.) This gap in financial services led directly to normalizing abusive ad practices to avoid the loss of reach that comes with requiring a monthly subscription.
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@StrawDog @donni And the troubles were cemented when the capitalists failed to add a practical way for visitors to pay a website operator an amount between 0.10 and 1.00 USD for access to an Internet resource. (Each credit card transaction has a fee close to 0.30 USD on top of the 3% of the total.) This gap in financial services led directly to normalizing abusive ad practices to avoid the loss of reach that comes with requiring a monthly subscription.
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Cloudflare updates x402 template as micropayments gain traction: Cloudflare updated its open source x402 payment-gated proxy template on January 9, 2026, enabling website owners to charge per download, per API call, or per crawl as traditional content monetization models face pressure. https://ppc.land/cloudflare-updates-x402-template-as-micropayments-gain-traction/ #Cloudflare #Micropayments #PaymentGate #ContentMonetization #API
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People on #hackernews are talking about #micropayments as an alternative to ad driven websites.
Sadly, I do not think micropayments will ever work. I wrote about this here https://sheep.horse/2024/11/on_micropayments.html
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People on #hackernews are talking about #micropayments as an alternative to ad driven websites.
Sadly, I do not think micropayments will ever work. I wrote about this here https://sheep.horse/2024/11/on_micropayments.html
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#Google möchte jetzt mit #Micropayments den Publisher zusätzliche Einnahmen bieten. Und natürlich selber wissen, wofür DU bereits bist #Geld auszugeben. Wer jemand Kreatives #anonym bezahlen will, nimmt #Bitcoin Lightning = alles schon da! #Werbung #Ads www.socialsamosa.com/news-2/googl...
Google rolls out offerwall to ... -
Also maybe I'm just dumb, but I cannot see how this #offerwall thing is going to solve the problem of "I lost revenue because people don't reach my site now". That thing is just a new paywall (in which I assume Google takes a cut), but the paywall will not give you revenue if people don't reach your site (and in some cases like mine, that paywall will make the user instantly close the page) 🤷♂️.
As the article says, many others have tried to make #micropayments work before, and failed.
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AI crawlers take content without sending visitors — just costs, no return.
Search engines gave traffic. AI gives nothing.Ad models are failing.
Time for micropayments — or a data strike? -
Did Bloomberg figure out #micropayments for paywalled #content and nobody else did?!?
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Did Bloomberg figure out #micropayments for paywalled #content and nobody else did?!?
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The digital landscape is evolving, and with it, how content is accessed and supported. Web Monetization introduces a new framework that offers more flexibility, as the digital economy continues to grow, the ability to support and access content more fluid and user-driven will become increasingly important.
For deeper insights into #WebMonetization, explore the blog featuring Rabeb Othmani, the Senior Product Manager:
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The digital landscape is evolving, and with it, how content is accessed and supported. Web Monetization introduces a new framework that offers more flexibility, as the digital economy continues to grow, the ability to support and access content more fluid and user-driven will become increasingly important.
For deeper insights into #WebMonetization, explore the blog featuring Rabeb Othmani, the Senior Product Manager:
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@lxo Truly privacy-respecting #micropayments could open many possibilities, yes. The #digitalEuro plans are interesting too, in this regard.
https://mamot.fr/@nemobis/111951626495391352 -
@lxo Truly privacy-respecting #micropayments could open many possibilities, yes. The #digitalEuro plans are interesting too, in this regard.
https://mamot.fr/@nemobis/111951626495391352 -
Musicians: How to Receive More Money for Each Track Sold
TL;DR: Musicians can make more money for each song sold by reaching out to their payment processor. After giving some context this article explains how to go about it.
I’ve just finished putting together the tenth NHAM mixtape which will be released on April 1st. In doing so it occurred to me that when I pay the small fee of £/$/€1 to buy a single track from an artist, no matter what fee the platform fee is (even it’s nothing as could be the case with Mirlo (@mirlo) or on promo days on some platforms), it is likely that at best only two thirds of that would make it to the artist anyway!
Why? Because the payment processor takes a ‘small cut’ of each transaction. The trouble is, that ‘small cut’ is not small in percentage terms when the transaction is so small. Roughly speaking the payment processors’ small cut is something along the lines of 3% plus 30p / 30c per transaction. That 30p / 30c is only 3% for a £/$/€10 purchase (and less for greater) but of course it’s a whopping 30% for a £/$/€1 transaction.
This poses a problem for musicians when £/$/€1 is standard price for a single track.
So last week I had a chat with @benpate at Bandwagon, aware that he is looking to set up the payment feature on Bandwagon imminently. I wanted to see if we could find any kind of remedy or solution before he began implementing a payment feature in to Bandwagon.
I had already had a sniff around but the best kind of solution I could find was digital wallets, which wasn’t ideal because you’d be requiring the buyer to take the effort to set up an account with the digital wallet platform. Not ideal.
Then Ben told me about ‘micro transactions’ being a buzzword in the industry. As such I added that to my searches and found that hidden deep in the back pages of the major payment processors was information that they do give exemptions within certain ‘markets’ for sellers to be eligible for micro transaction fees.
I was curious as to whether the music industry might be one of those ‘markets’. The two major payment processors used by most fair music platforms appear to be Paypal and Stripe. Paypal’s small print said you’d need a Business Paypal account before you could request eligibility for micro transaction fees. Stripe were ambiguous, saying to reach out to support with questions about availability.
What are micro transaction fees?
Micro transaction fees are where smaller purchases (e.g. a single purchase lower than £/$/€5) are given a different transaction fee where a few more percentage points are added but the flat fee comes down to something like 5p / 5c instead of 30p / 30c.
For a musician selling a song at £1 this means a difference of losing 10p (5% + 5p) instead of 33p (3% + 30p) per transaction*.
*Please note that the actual amounts I’m giving in this article are for illustrative purposes only and the actual rates can vary slightly between different payment processors as well as for different currencies.
How can musicians register for micro transaction fees?
Stripe
This is how I managed to obtain micro transaction eligibility for my personal Stripe account. I hope any musician with a Stripe account is able to follow this same process to achieve the same:
First I went to Stripe live chat and chatted for 15-20 minutes with a support client. I said I’m a musician hoping to sell songs for £1/$1/€1 at a time and wondered if music sales was a market that could be considered for micro transaction rates as a result.
They asked me to wait while they raised it with the specialist team before saying someone would get back to me within 24 hours. I’d had no response in three days at which point I replied to the email with the chat transcript that had been sent to me after the chat finished. I asked whether anyone had tried to reach me because I’d not yet received anything. Later that day the positive response came:
Hello Sam,
I’m pleased to inform you that the micro-transaction fees have been successfully applied to your account. The new rates should be reflected in your account within the next 24 hours.
The rates are as follows:
Transactions under £5: 5% + £0.05
For all other transactions, standard rates will apply.If you have any questions or need further assistance, please don’t hesitate to reach out!
Best regards,
[Stripe Support]So that’s it! If I ever sell a song for £1 I’ll only lose 10p to the payment processor instead of 33p.
It should be noted that if you have multiple accounts in your Stripe Dashboard (e.g. one for Bandwagon and one for Mirlo) then you will need to specifically request the micro-transaction set up be applied to each one.
Paypal
As I don’t have a Paypal Business account I didn’t try this with Paypal but it does look like a similar process for them. As per this page you’d need to contact their customer support team to apply for the micro transaction arrangement. Follow the same method as above for Stripe and hopefully you’ll be eligible.
Best of luck to all musicians out there hoping to make a little more from each track sold. Let me know how you get on by replying to/commenting on this post. It will be interesting to see whether we’re deemed eligible across the board or if there will be some cases where other musicians are deemed ineligible.
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Musicians: How to Receive More Money for Each Track Sold
TL;DR: Musicians can make more money for each song sold by reaching out to their payment processor. After giving some context this article explains how to go about it.
I’ve just finished putting together the tenth NHAM mixtape which will be released on April 1st. In doing so it occurred to me that when I pay the small fee of £/$/€1 to buy a single track from an artist, no matter what fee the platform fee is (even it’s nothing as could be the case with Mirlo (@mirlo) or on promo days on some platforms), it is likely that at best only two thirds of that would make it to the artist anyway!
Why? Because the payment processor takes a ‘small cut’ of each transaction. The trouble is, that ‘small cut’ is not small in percentage terms when the transaction is so small. Roughly speaking the payment processors’ small cut is something along the lines of 3% plus 30p / 30c per transaction. That 30p / 30c is only 3% for a £/$/€10 purchase (and less for greater) but of course it’s a whopping 30% for a £/$/€1 transaction.
This poses a problem for musicians when £/$/€1 is standard price for a single track.
So last week I had a chat with @benpate at Bandwagon, aware that he is looking to set up the payment feature on Bandwagon imminently. I wanted to see if we could find any kind of remedy or solution before he began implementing a payment feature in to Bandwagon.
I had already had a sniff around but the best kind of solution I could find was digital wallets, which wasn’t ideal because you’d be requiring the buyer to take the effort to set up an account with the digital wallet platform. Not ideal.
Then Ben told me about ‘micro transactions’ being a buzzword in the industry. As such I added that to my searches and found that hidden deep in the back pages of the major payment processors was information that they do give exemptions within certain ‘markets’ for sellers to be eligible for micro transaction fees.
I was curious as to whether the music industry might be one of those ‘markets’. The two major payment processors used by most fair music platforms appear to be Paypal and Stripe. Paypal’s small print said you’d need a Business Paypal account before you could request eligibility for micro transaction fees. Stripe were ambiguous, saying to reach out to support with questions about availability.
What are micro transaction fees?
Micro transaction fees are where smaller purchases (e.g. a single purchase lower than £/$/€5) are given a different transaction fee where a few more percentage points are added but the flat fee comes down to something like 5p / 5c instead of 30p / 30c.
For a musician selling a song at £1 this means a difference of losing 10p (5% + 5p) instead of 33p (3% + 30p) per transaction*.
*Please note that the actual amounts I’m giving in this article are for illustrative purposes only and the actual rates can vary slightly between different payment processors as well as for different currencies.
How can musicians register for micro transaction fees?
Stripe
This is how I managed to obtain micro transaction eligibility for my personal Stripe account. I hope any musician with a Stripe account is able to follow this same process to achieve the same:
First I went to Stripe live chat and chatted for 15-20 minutes with a support client. I said I’m a musician hoping to sell songs for £1/$1/€1 at a time and wondered if music sales was a market that could be considered for micro transaction rates as a result.
They asked me to wait while they raised it with the specialist team before saying someone would get back to me within 24 hours. I’d had no response in three days at which point I replied to the email with the chat transcript that had been sent to me after the chat finished. I asked whether anyone had tried to reach me because I’d not yet received anything. Later that day the positive response came:
Hello Sam,
I’m pleased to inform you that the micro-transaction fees have been successfully applied to your account. The new rates should be reflected in your account within the next 24 hours.
The rates are as follows:
Transactions under £5: 5% + £0.05
For all other transactions, standard rates will apply.If you have any questions or need further assistance, please don’t hesitate to reach out!
Best regards,
[Stripe Support]So that’s it! If I ever sell a song for £1 I’ll only lose 10p to the payment processor instead of 33p.
It should be noted that if you have multiple accounts in your Stripe Dashboard (e.g. one for Bandwagon and one for Mirlo) then you will need to specifically request the micro-transaction set up be applied to each one.
Paypal
As I don’t have a Paypal Business account I didn’t try this with Paypal but it does look like a similar process for them. As per this page you’d need to contact their customer support team to apply for the micro transaction arrangement. Follow the same method as above for Stripe and hopefully you’ll be eligible.
Best of luck to all musicians out there hoping to make a little more from each track sold. Let me know how you get on by replying to/commenting on this post. It will be interesting to see whether we’re deemed eligible across the board or if there will be some cases where other musicians are deemed ineligible.
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Doing it Righter
I had a draft of an article of how to do cookie-based advertising “right”, but third-party cookies are no more, so that one landed in the wastebasket.
How About Micropayments?
Tim Berners-Lee apparently said that his big error in designing the World Wide Web was to assume it would eventually be supported by advertising, instead of micropayments.
To be precise, he recently said
“Two myths currently limit our collective imagination: the myth that advertising is the only possible business model for online companies, and the myth that it’s too late to change the way platforms operate.”
Companies do on-line advertising auctions in ~120 milliseconds. If they can do that, and get the billing right, they can do micropayments.
How Would That Work?
Let’s assume I run a payments processor. One of my customers is a paywalled site called The Bookworm’s Den, and they want to charge 1/10 of a cent per page. They receive a GET request from a member, and immediately send a request to me, the payment processor.
I need to do three things, not all at the same time:
- Hash the customer’s ID into a table. If it’s not there, the customer of Bookworm’s Den doesn’t support micropayments. That’s bizarre, as they’re a member of the Bookworm’s Den. If it happens, though, I return “402 Payment Required” to the Bookworm. If the customer does do micropayments, I return “200 OK” and cache the table entry for subsequent page reads.
- Get my internal payment-id for the customer from the table, say 5280. Send a “subtract 0.001 from customer 5280, for bookworm” message to
- the cache, and
- the back-end database.
- A subtract doesn’t have to arrive in any order, it can sit in a queue if the database is busy, and it can even be saved on the http server for a while if the DB is down. If everything crashes, the Bookworm loses $0.001, the customer gets a freebie of $0.001, and I scramble madly to get things working again, because I only get paid if the Bookworm gets paid.
- Once a month, I scan the database for all users who have at least one subtract. I bill them, credit the sellers and set the user’s balance back to zero.
Sending subtracts with an amount makes the operations time-insensitive. Adding a date/time stamp makes them idempotent. The big risk to me is the database going down without the http server noticing, or of it going down and staying down.
Business Stuff
Mind you, I also need to have a relationship with the various credit- and debit-card companies and at least a few banks. I need to collect from one and pay the other. That’s pretty easy in Canada: we have five big banks and three big credit-card companies.
My customers, like the Bookworm’s Den, need to have a membership agreement with their users, so they have billing information for them, an agreement with the bank where I’ll be depositing their revenue and an agreement with me that I’ll be their agent.
That’s not everything, but it is sufficient. The hard part is getting started, as micropayments are a chicken-and-egg problem. If you don’t have them, you can’t offer them to your customers. If you don’t offer them to your customers, my micropayments company won’t have any money, and will probably go broke before it can pay for itself. And that will discourage the next micropayments company.
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A billion years ago, I'd thought micropayments were supposed to be the coming thing? #μPayments #newspapers #microPayments
P.s.: I think I know the answer, but I'll let go of that for now.
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A billion years ago, I'd thought micropayments were supposed to be the coming thing? #μPayments #newspapers #microPayments
P.s.: I think I know the answer, but I'll let go of that for now.
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Google Chrome to let users directly pay websites they enjoy
Suggests implementation of W3Cs nascent Web Monetization feature is on its way
https://www.computing.co.uk/news/4344446/google-chrome-users-directly-pay-websites-enjoy
#technews #google #chrome #w3c #webmonetization #browser #micropayments
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Google Chrome to let users directly pay websites they enjoy
Suggests implementation of W3Cs nascent Web Monetization feature is on its way
https://www.computing.co.uk/news/4344446/google-chrome-users-directly-pay-websites-enjoy
#technews #google #chrome #w3c #webmonetization #browser #micropayments
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🌟 XRP Ledger transactions have soared by 80% in just eight days, thanks to a surge in micropayments! 📈 Discover how this trend is shaping the future of XRPL. #XRP #Blockchain #Micropayments #XRPL #XRPLedger
https://cryptosnewss.com/xrp-ledger-transactions-surge-by-80-driven-by-micropayments/
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Inside Lugano’s crypto revolution — A documentary - Bitcoin journalist Joe Hall tests Lugano, Switzerland, to see if it trul... - https://cointelegraph.com/news/inside-lugano-crypto-revolution-documentary #bitcoinpayments #micropayments #switzerland #payments #tether
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Inside Lugano’s crypto revolution — A documentary - Bitcoin journalist Joe Hall tests Lugano, Switzerland, to see if it trul... - https://cointelegraph.com/news/inside-lugano-crypto-revolution-documentary #bitcoinpayments #micropayments #switzerland #payments #tether
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Also in #TIL -- the Interledger project, an impressively well-baked and sensible-looking protocol stack for passing “money” (intentionally loosely defined) around: https://interledger.org/developers/
That seems like an appropriate basis for a workable #micropayments system, and led to me finding the Web Monetization spec: https://webmonetization.org/specification/
Yes, I think this would be a Very Good Thing: the lack of sensible micropayments is one of the Web’s biggest problems today, IMO.
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Also in #TIL -- the Interledger project, an impressively well-baked and sensible-looking protocol stack for passing “money” (intentionally loosely defined) around: https://interledger.org/developers/
That seems like an appropriate basis for a workable #micropayments system, and led to me finding the Web Monetization spec: https://webmonetization.org/specification/
Yes, I think this would be a Very Good Thing: the lack of sensible micropayments is one of the Web’s biggest problems today, IMO.
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Bitcoin reaches one billion transactions - An average of 178,475 daily transactions have been made on Bitcoin in it... - https://cointelegraph.com/news/bitcoin-reaches-one-billion-transactions #transactioncount #bitcoinlightning #satoshinakamoto #micropayments #genesisblock #layertwo #river
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Bitcoin reaches one billion transactions - An average of 178,475 daily transactions have been made on Bitcoin in it... - https://cointelegraph.com/news/bitcoin-reaches-one-billion-transactions #transactioncount #bitcoinlightning #satoshinakamoto #micropayments #genesisblock #layertwo #river
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@NIH_LLAMAS @caseynewton Yes, that works. The layout did not lead me to know the title was a click target. I want #micropayments but I’ll have to wait for a god-like AI to mandate them.
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@NIH_LLAMAS @caseynewton Yes, that works. The layout did not lead me to know the title was a click target. I want #micropayments but I’ll have to wait for a god-like AI to mandate them.
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Thank you to Hannah Rashbass for this thoughtful write-up about TrueFans in the City, University of London, Alumni magazine. #podcasting #micropayments #V4V
Link to Article
https://issuu.com/xcitymag/docs/4130293/126 -
Thank you to Hannah Rashbass for this thoughtful write-up about TrueFans in the City, University of London, Alumni magazine. #podcasting #micropayments #V4V
Link to Article
https://issuu.com/xcitymag/docs/4130293/126 -
hope you will humor me and not consider this junk/spam 🤞
is there plausible AI-hallucinated timeline where the 2014 #Twitter #ProductManagement #leadership signed off on a #micropayments play, as a proof-of-concept to roll out Verified to all users willing to enroll in the process?
🖖🏼
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hope you will humor me and not consider this junk/spam 🤞
is there plausible AI-hallucinated timeline where the 2014 #Twitter #ProductManagement #leadership signed off on a #micropayments play, as a proof-of-concept to roll out Verified to all users willing to enroll in the process?
🖖🏼
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Fedi is ready to nostr :)
#microtipping #micropayments
https://socialmedia.dance/lemmy-social-media -
Online #micropayments remain a chimera. #Spotify increases thresholds for royalties payments, as transaction costs remain higher than most #copyright claims.
https://www.euronews.com/culture/2024/04/08/spotify-has-officially-demonetised-all-songs-with-less-than-1000-streams -
Online #micropayments remain a chimera. #Spotify increases thresholds for royalties payments, as transaction costs remain higher than most #copyright claims.
https://www.euronews.com/culture/2024/04/08/spotify-has-officially-demonetised-all-songs-with-less-than-1000-streams -
Lesenswerter Beitrag von @avatter zu "Wie die #Paywalls der Zeitungen der Hetze in die Hände spielen"
Die Idee mit #Micropayments ist gefloppt. [Leider]
Die Verlage hatten Jahrzehnte, um sich zur Verwertungsgesellschaft zusammenzuschließen. [Die sitzen lieber in ihrer Burg.]
Einzelabonnements der Zeitungen sind schweineteuer.
Ich wage es nicht zu schreiben: Bei allen Geschimpfe, gut, dass es die #ÖRR und auch ihre News Portale mit Texten gibt, um sich zu informieren.
https://www.avatter.de/wordpress/2024/04/wie-die-paywalls-der-zeitungen-der-hetze-in-die-haende-spielen/ -
Chromium developers are working on a system that allows browsers to automatically compensate content creators without user involvement.
#chromium #developers #micropayments #browser
https://tchlp.com/4bFvcNU -
“[#Chromium] devs experiment with automatic browser #micropayments” — Thomas Claburn, The Register.
https://www.theregister.com/2024/02/13/google_micropayments_plan/
I did not expect we would see a second wind for the #WebMonetization standard after both Coil and Flattr folded last year.