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My exact reaction. It just seems mind-boggling that anyone would set something up like this as a side project. I'm not even sure it would be legal in the U.S. One thing I am not at all confused about: I would shut it down right now. Literally. Go shut it down.

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Just to clarify, I've worked in this business. You can set something up and test it in sandbox mode with every payment processor I've worked with. That's the proper approach for a "side project." What blows my mind is having this set up and accessible to the public. It's just amazingly naive. I don't mean to beat up on you, OP, but you really should shut this thing down. Systems like this are monitored 24x7 for fraudulent activity. You're not really prepared to be in this business yet.

No, you're entirely correct... I completely underestimated the prevention loss factor. Being a side project, I really didn't dedicate 24x7 monitoring, only late at night and early mornings, so this has been an important lesson to me. I have actually already shut it down.

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