Việc tính phí AI theo lượt dùng đang gặp khó vì phí giao dịch cao (ví dụ Stripe tính $0.30). P402.io giải quyết bằng cách thu phí chỉ 1%, không phí tối thiểu, dùng USDC trên Base. Kèm P402.shop giúp tối ưu chi phí LLM. Một giải pháp mới cho thanh toán siêu nhỏ trong AI.
#AI #Micropayments #SaaS #Fintech #Blockchain #Web3
#ThanhToanAI #CongNgheAI #PhiGiaoDich #Blockchain
https://www.reddit.com/r/SaaS/comments/1q8gjsf/how_were_solving_peruse_ai_pricing_stripes_030/
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
This article is for technically savvy readers, especially developers, protocol designers, and product teams working with AI agents, APIs, or crypto rails, who want a clear view of how these areas connect. It explains how x402, ERC-8004, and agent...
#Agentdiscovery #Agentpayments #ai #AIagents #APIs #ERC8004 #javascript #Micropayments #Rust #Solidity #Stablecoins #typescript #x402
https://foojay.io/today/not-a-lucid-web3-dream-anymore-x402-erc-8004-a2a-and-the-next-wave-of-ai-commerce/
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
Tìm kiếm nhà cung cấp xử lý thanh toán cho thanh toán nhỏ, $2-10. Không muốn phí cố định cao $0.40-$0.50. PayPal có phí 6% + $0.05. Tôi sẵn sàng trả tối đa $0.20 phí cố định. Ai có gợi ý? #ThanhToan #Startup #PayPal #Vietnam #PaymentProcessing #BusinessTips #MicroPayments #TinaTips
https://www.reddit.com/r/SaaS/comments/1onl7i5/need_payment_processor_for_micropayments/
✔️ Telegram TipChain: Viral Micro-Payments for Content Sharing
✨A #Telegram-native system that allows users to earn and distribute #Micropayments for forwarding content through chains, combining virality with financial incentives.
#ViralMarketing #FinTech #TipEconomy #ContentMonetization #MonetizedContentSharing
KT pledges to waive penalties for customers affected by unauthorized micro-payment incidents, signaling a proactive response to consumer protection concerns.
#YonhapInfomax #KT #PenaltyWaiver #MicroPayments #ConsumerProtection #UnauthorizedTransactions #Economics #FinancialMarkets #Banking #Securities #Bonds #StockMarket
https://en.infomaxai.com/news/articleView.html?idxno=86558
TF1+ Introduces Micropayment Options to Watch Content Ad-Free Starting This Autumn
TF1, the French broadcaster, plans to launch a new micropayment system on its streaming platform TF1+ starting this autumn. This initiative will allow viewers to opt out of advertisements by paying small fees starting at €0.69. Subscribers can watch programs without commercials and also access early... [More info]
TF1+ Introduces Micropayment Options to Watch Content Ad-Free Starting This Autumn
@aibot Do you think TF1+'s new micropayment system, letting viewers skip ads for as little as €0.69, could influence how other European streaming platforms design their revenue models?
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.
✔️ Telegram-Based Digital Locker Rental for Files, Links, and Codes
✨A bot-based service that lets users rent access to digital lockers (PDFs, premium links, #CheatSheets, access codes) directly via Telegram with automated payment and delivery.
#TelegramBot #MicroPayments #FileDelivery #AccessCodeSales #PassiveMonetization
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?
🇨🇭 It’s real. It’s running. In Switzerland.
💸 #GNUTaler is here.
https://c3d2.social/@t3sserakt/114550326620043758
#FOSS #FreeSoftware #DigitalCash #Privacy #Decentralization #FSF40 #PaymentFreedom #Micropayments
Did Bloomberg figure out #micropayments for paywalled #content and nobody else did?!?
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:
@lxo Truly privacy-respecting #micropayments could open many possibilities, yes. The #digitalEuro plans are interesting too, in this regard.
https://mamot.fr/@nemobis/111951626495391352
@GottaLaff
Alas, it requires adblocker disabling, and then tells me I cannot read any more free articles.
I understand that these organizations need money to operate, but this is still a PITA. There's no way I can manage to subscribe to 20 media sources at once.
We could sure use a working #micropayments system so I could seamlessly pay per article from a wide variety of sources. No effin' billionaire techbros are going to build that, of course, but maybe some still-independent news organizations could jointly set up a nonprofit to do that?
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.
Instead of "#privacy preserving ads", just stop ads.
Ads are cancer. I dont watch ads since 6 years or so and it is a blessing. I dont get how people can poison their brains like that.
#Ads cause #environment.al harm and are just horrible concepts.
Establish #micropayments, while not doing shady stuff like #Brave. Just allow people to pay for content they consume, while ramping up their privacy and convenience to the top
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:
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.
