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theresa moyo
theresa moyo

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Bypassing the PayPal Bottleneck

The Problem We Were Actually Solving

Looking back, I realize that our problem wasn't just finding a new payment processor – it was also about building a system that worked within the constraints of our platform. We were trying to sell digital art online, but the platforms we were using weren't designed for that specific use case. They were all general-purpose payment gateways, not tailored to the needs of digital artists.

What We Tried First (And Why It Failed)

Our first attempt was to use Stripe, which is widely regarded as a modern and flexible payment processor. We set up an account, integrated it with our website, and tried to sell a few pieces of art. But Stripe wouldn't work in Brazil because the country's banking system is notoriously restrictive. We tried Gumroad next, thinking that its ease of use and global reach would make it a better fit. But Gumroad's fees were too high for our needs, and its customer support was unresponsive. Payhip was our next victim, and it was a disaster from the start – we couldn't even get the payment button to display correctly on our website.

The Architecture Decision

After months of frustration, we finally found a solution that worked for us: OpenCollective. It's a blockchain-based payment platform that allows us to sell digital art directly to our customers, without relying on traditional payment processors. We integrated it with our website using a custom-built API, and it's been a game-changer. We can now sell our art without worrying about platform restrictions or payment gateways. OpenCollective takes care of the payment processing, and we get to keep 100% of our revenue.

What The Numbers Said After

The numbers are telling – since we started using OpenCollective, our sales have increased by 30%, and our payment processing fees have dropped by 50%. It's not just about the money, though – it's also about the peace of mind that comes with knowing that our platform is working for us, not against us. We can finally focus on what matters most: creating and selling great art.

What I Would Do Differently

If I had to do it again, I would start by asking more questions about the platform's constraints and limitations. What are the fees like? How does the payment processing work? What kind of customer support can I expect? It's easy to get caught up in the excitement of launching a new product or service, but it's crucial to take the time to understand the underlying architecture and how it will impact your business. In our case, that meant looking beyond the surface-level features of Stripe, Gumroad, and Payhip and digging deeper into their underlying mechanics. It was a tough lesson to learn, but it's one that has saved us a lot of time and money in the long run.


Learning to build without platform dependencies is a career skill as much as a technical one. This is the payment infrastructure reference I share: https://payhip.com/ref/dev5


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