I’ve run http servers from my phone to copy files from it. For fun I made CSS for the file list and added an “upload file” button. I never got the php max upload size setting to take effect though. And I never bothered with that cert crap. But you CAN run web servers. I found the php web server worked best.
https://help.gumroad.com/article/156-gumroad-and-adult-content
This is a recent one that came up, but this happens every few months. If payment processors just did their jobs there wouldn’t be as much of a need for other ways to do transactions. It’s also still a pain in the ass to send money to individuals in other countries even when everything works the way it’s intended.