It’s not that you can’t. It’s that it’s an extremely high risk venture, IBM’s code is proven, it would cost way more to make the code yourself, and you’re going to need like a decade to prove it works well before you get enough trust in it to work with business to business stuff.
So everyone buys the proven code to avoid the headaches.
Right, yes, I want to do that. I want to create a high risk extremely unstable custom built payment gateway. Please send any reference text info on how to scan a credit card and format that data to make a nearly instantaneous withdrawal of funds from one bank to another and if there is an error then how to read those error codes like amount unauthorized or insufficient funds, etc.
I want to do it. I want to host it all on my own machines. AFAIK it isn’t possible, that the internal know how used by banks and businesses is all handled by IBM.
Your sticking point is reading the actual code from the chip or magnetic stripe. Once you have that information you can do whatever you want with it in code. For sending and requesting payments it’s just API tie ins with the banks.
Card Scanners are not Payment Gateways. I don’t want to set up a use case for every Bank’s API, I want to make a standardized payment gateway without my end using IBM. I want homemade BaaS
