Anyone have tips on implementing secure user-to-user payments?

Question

Okay, I’ve been building out this feature where users can send payments to each other directly inside our app, kinda like how Venmo works. But honestly, I’m lost on how to handle things like user authorization, secure transfers, and making it all work without falling into some compliance nightmare. Has anyone implemented something like this before? I’m trying to keep it lean but still safe and scalable.

nikkii nikkii · Answer

I’ve been there. It’s easy to underestimate how many moving parts are involved. Cross-platform logic, user auth, endpoint resilience… it all gets chaotic fast. I finally started seeing progress after going through this article: https://patternica.com/blog/how-to-build-peer-to-peer-payments-api . It breaks things down clearly — not just how to code it, but how to think through the structure. Especially helpful around authentication flows and avoiding messy webhook traps. Definitely worth your time before you build out another half-solution.

Sara Reed · Answer

Curious if anyone here has experience syncing transaction histories across devices in real time? Looking into efficient event-driven approaches but hitting some roadblocks.