6 ms·

This sort of reason is exactly why I started using one time credit cards (privacy) for new service signups.

by derwiki 6y ago

bradstewart 6y ago
What do you use to generate the one-time numbers?
- ilikepi 6y ago
  I'm guessing @derwiki's parenthetical "(privacy)" is a reference to privacy.com, which is a service for doing exactly that.
- WY3JBHIL3KLPN5B 6y ago
  Priavcy is the name of the service. https://privacy.com/ https://privacy.com/
  - _trampeltier 6y ago
    Just for US persons. Are there other services like that for EU?
  - achairapart 6y ago
    Any EU alternative for privacy.com or similar services?
    - thiscatis 6y ago
      Revolut offers virtual and disposable cards. I've been (unethically) using them for these 1GBP / month trials a certain online newspaper offers.
      - AlexandrB 6y ago
        Revolut was featured on HN just this morning: https://thehftguy.com/2020/08/12/a-haven-for-fraud-and-stolen-cards-or-how-my-wife-was-forced-to-quit-revolut/ https://thehftguy.com/2020/08/12/a-haven-for-fraud-and-stole...
        thiscatis 6y ago
        Guess she should have used a disposable Revolut card then
- deleted 6y ago
  [deleted]
- 9HZZRfNlpR 6y ago
  Most of the banks offer it online as part of the service?
  - sarora27 6y ago
    Not all. A major US Bank (rhymes w/ Pace Bank) used to provide this feature back in the 2000s and then rolled it back. I discovered this ~4 months ago when I wanted to buy something online but didn't fully trust the vendor. Then ended up going with Privacy.com. I'm a huge fan and would def recommend them to anyone looking for better control over subscription charges
    - HEHENE 6y ago
      CapOne offers that for their credit cards, but it's so clunky and unintuitive that I still wind up using Privacy 90% of the time.
      - tgb 6y ago
        I have a Capital One card and wanted to use that feature. As far as I could tell, the only way to use it was to install their "assistant" browser extension and give it permission to view everything you do. Then if you were on a merchant site it could suggest you use a new card number for it. I considered toggling the assistant on and off just as needed but instead said nope. Was there another way to do it?
        deleted 6y ago
        [deleted]
        patentatt 6y ago
        Totally bogus, isn’t it? I just did that very thing with CapOne. The only saving grace is that once you create the temp card with their definitely-not-spyware web browser extension, you can uninstall it completely and manage the card through the website. I’ve installed it, visited a single site, and uninstalled it several times so far and it seems to get the job done.
BrianOnHN 6y ago
+1 for privacy.com What you lose in credit card points, you 10X in savings on: 1. Unexpected "recurring" charges and 2. Time spent avoiding unintelligible unsubscribe UXs Plus, I feel a lot more comfortable trying services that require a credit card for a free trial which has led me to some extra value that I wouldn't have found otherwise. Just set the budget on the card to $1. Some people might feel bad for all the SaaS companies that are getting failed payment alerts, but I don't. It took a lot of dark patterns and group think to create a market for something like privacy.com. I'm still waiting on my $600 from Dropbox, which they charged over five years for an inactive account without ever sending a receipt. Never again with privacy.com. Edit: format/clarify
- tananaev 6y ago
  I think you can probably use PayPal Key for for the same purpose and get the best of both worlds (points + virtual card). As an owner of a small SaaS business I can say that our payment processor has fairly strict requirements to allow recurring charges: - Product description has to be very clear that it's a recurring payment - Terms and conditions have to have a section with details on how to cancel the subscription - We have to send email notifications in advance before every recurring charge
- mkskm 6y ago
  They were rolling out a free cashback program until recently. Now it's oddly locked behind an overpriced monthly plan.

This sort of reason is exactly why I started using one time credit cards (privacy) for new service signups.

bradstewart 6y ago

What do you use to generate the one-time numbers?

ilikepi 6y ago
I'm guessing @derwiki's parenthetical "(privacy)" is a reference to privacy.com, which is a service for doing exactly that.
WY3JBHIL3KLPN5B 6y ago
Priavcy is the name of the service. https://privacy.com/ https://privacy.com/
- _trampeltier 6y ago
  Just for US persons. Are there other services like that for EU?
- achairapart 6y ago
  Any EU alternative for privacy.com or similar services?
  - thiscatis 6y ago
    Revolut offers virtual and disposable cards. I've been (unethically) using them for these 1GBP / month trials a certain online newspaper offers.
    - AlexandrB 6y ago
      Revolut was featured on HN just this morning: https://thehftguy.com/2020/08/12/a-haven-for-fraud-and-stolen-cards-or-how-my-wife-was-forced-to-quit-revolut/ https://thehftguy.com/2020/08/12/a-haven-for-fraud-and-stole...
      - thiscatis 6y ago
        Guess she should have used a disposable Revolut card then
deleted 6y ago
[deleted]
9HZZRfNlpR 6y ago
Most of the banks offer it online as part of the service?
- sarora27 6y ago
  Not all. A major US Bank (rhymes w/ Pace Bank) used to provide this feature back in the 2000s and then rolled it back. I discovered this ~4 months ago when I wanted to buy something online but didn't fully trust the vendor. Then ended up going with Privacy.com. I'm a huge fan and would def recommend them to anyone looking for better control over subscription charges
  - HEHENE 6y ago
    CapOne offers that for their credit cards, but it's so clunky and unintuitive that I still wind up using Privacy 90% of the time.
    - tgb 6y ago
      I have a Capital One card and wanted to use that feature. As far as I could tell, the only way to use it was to install their "assistant" browser extension and give it permission to view everything you do. Then if you were on a merchant site it could suggest you use a new card number for it. I considered toggling the assistant on and off just as needed but instead said nope. Was there another way to do it?
      - deleted 6y ago
        [deleted]
      - patentatt 6y ago
        Totally bogus, isn’t it? I just did that very thing with CapOne. The only saving grace is that once you create the temp card with their definitely-not-spyware web browser extension, you can uninstall it completely and manage the card through the website. I’ve installed it, visited a single site, and uninstalled it several times so far and it seems to get the job done.

BrianOnHN 6y ago

+1 for privacy.com What you lose in credit card points, you 10X in savings on: 1. Unexpected "recurring" charges and 2. Time spent avoiding unintelligible unsubscribe UXs Plus, I feel a lot more comfortable trying services that require a credit card for a free trial which has led me to some extra value that I wouldn't have found otherwise. Just set the budget on the card to $1. Some people might feel bad for all the SaaS companies that are getting failed payment alerts, but I don't. It took a lot of dark patterns and group think to create a market for something like privacy.com. I'm still waiting on my $600 from Dropbox, which they charged over five years for an inactive account without ever sending a receipt. Never again with privacy.com. Edit: format/clarify

tananaev 6y ago
I think you can probably use PayPal Key for for the same purpose and get the best of both worlds (points + virtual card). As an owner of a small SaaS business I can say that our payment processor has fairly strict requirements to allow recurring charges: - Product description has to be very clear that it's a recurring payment - Terms and conditions have to have a section with details on how to cancel the subscription - We have to send email notifications in advance before every recurring charge
mkskm 6y ago
They were rolling out a free cashback program until recently. Now it's oddly locked behind an overpriced monthly plan.