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I'm not sure what you mean. The nature of the payment itself would be the non-generic part.
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Exactly. It's already as generic and compliant with HTTP rules as possible.
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Perhaps it’s mostly a marketing and documentation problem that I’m describing then.
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Perhaps. I just don't think people care enough about this. Existing paid auth models are way easier and entire ecosystems need to support 402 for it to be meaningful.
It's really a chicken and egg problem honestly.
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Have you ever seen a generic way to make a payment anywhere on the internet?