Thanks Abishek for your detailed reply & for validating my problem.

Regarding your points --

1. Yes, I agree. Let's say company Acme Co fills this needgap. I imagined Acme Co to work something like this:

- Acme Co has the ability to accept regular credit card payments just like any other SaaS would (resulting in a frictionless payment experience from the end user/donor).

- That money goes to and is held by Acme Co. Acme Co issues a virtual credit card to a project owner with the donation amount.

- When the project owner wants to pay for server costs, they can now use the issued virtual credit card at AWS, Digital Ocean, or any other established infrastructure provider (they should be able to accept virtual CCs just like a regular card). This also addresses your point #2.

As a result of this flow of funds, real money never actually makes its way to the project owner.

Stripe Issuing lets Acme Co create virtual cards as well as the ability to adjust amounts to the card.

One problem I see while typing this out is that Acme Co can essentially hold funds in hostage if they want to, so trust will be a big factor here.

(I live in the US so this is my understanding of how it would work with virtual CC's in the US.)