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Patiently waiting for a mandatory 30% fee on every transaction made with iOS banking software. Maybe that'll put a definitive stop to forcing mobile "apps" with

by m132 9mo ago

Patiently waiting for a mandatory 30% fee on every transaction made with iOS banking software. Maybe that'll put a definitive stop to forcing mobile "apps" with jailbreak detection on customers and have banks think twice before crippling the functionality of their websites. Please Apple, make this happen.

DANmode 9mo ago
Never. Popular apps have been exempt from these rules since the beginning of time - not that I agree with this.
- wmf 9mo ago
  Is Patreon not popular?
  - speed_spread 9mo ago
    As an app? No.
  - DANmode 9mo ago
    If their app didn’t exist on iOS, would it be weird/embarrassing for Apple? That’s what “popular” means, in this context. That’s how they make their decisions.
    - Imustaskforhelp 9mo ago
      I feel like it would definitely be weird. But Patreon does have a web version but I am not sure how many people prefer web sites in Apple ecosystem especially on Ios so I do find the whole thing to be a bit weird because this ~30% cut essentially seems to rip off of creators in some sense.
      - DANmode 9mo ago
        It rips off everyone. Epic Games went to federal court over this with Apple like 40 fuckin times - a related fun read for you.
        simondotau 9mo ago
        I’d be cheering on Epic Games if they were going after Sony and Nintendo with equal fervour. Personally, I don’t see why any developer should be allowed free rein on anyone else’s platform when it comes to the selling of games and virtual hats. Personally I think Apple should have two pricing tiers: one for interactive entertainment, and one for everything else. For interactive entertainment, a flat 30% on everything. For everything else, Apple lowers their margin to cover transaction costs only (in the realm of 5-10%).
        troupo 9mo ago
        That's what Apple already doing: applying arbitrary categories and charging arbitrary amounts of money because "transaction costs and platform or something". 1. Where the hell is the notion of "using the platform for free" even coming from (it's coming from Apple of course). I didn't know that iPhones are free, or that dev fees are waived for everyone. 2. Why the hell can't I use a different payment processor tham Apple and tell people about it? Then I'm neither using Apple's platform "for free" nor paying Apple's transaction fees.
        simondotau 9mo ago
        For interactive entertainment, I see no moral obligation for Apple to adopt any particular policy unless all major digital game store operators (Sony, Nintendo, Microsoft, Valve etc) are subject to the same requirements. For all other apps, I agree that alternative payment processing should be permitted for one-off transactions. And I can agree for subscriptions as well, provided the developer can meet a high standard for simple, frictionless cancellations.
        troupo 9mo ago
      - Nextgrid 9mo ago
        Patreon is a very niche app in the grand scheme of things. There's the saying that only 1% of web visitors ever stop by and actually contribute, and I'd expect that number to drop to 0.001% when it comes to contributing monetarily through a tool like Patreon. This is an absolutely tiny minority. Hell I'd argue more people are upset about the lack of an OnlyFans app than Patreon. OF has way more brand-recognition (outside of tech) than Patreon.
      - barnabee 9mo ago
        I follow a number of creators on Patreon and have never once thought I want/need a Patreon app.
- solarexplorer 9mo ago
  Have they? Netflix, Spotify, Kindle, ...
Noaidi 9mo ago
A nickel for each iMessage…
- tokioyoyo 9mo ago
  Honestly… if we implemented $0.01 charge on every message, post and etc. the world would become an amazing place.
  - metabagel 9mo ago
    I think that spammers would happily pay that rate.
    - Imustaskforhelp 9mo ago
      Today out of curiosity, I tried looking at what is the cost of one PVA (Pre-verified account) of google. I found it to be around ~$0.03 (3 cents) or it could be an amazon account idk or maybe an youtube account Like my point is that atleast for amazon/yt, these bots usually cost this much ~$0.03 to buy once. Then we probably see a scammer buy many of these accounts and then (rent it?) on their own website/telegram groups to promtoe views/ratings etc./ comment with the porn ridden bots that we saw on youtube who will copy any previous comment and paste it and so on. So technically these still cost 3 cents & scammers are happily paying the rate.
  - _alaya 9mo ago
    I mean...that's how SMS used to work? Or still works? Once upon a time it was expensive to send messages and now it's cheap.
    - thewebguyd 9mo ago
      Yeah. Iirc, I used to have to pay $0.20 per SMS message, sent and received, before unlimited plans became a thing. Also had a limited amount of minutes for phone calls. I remember Verizon wireless at the time had a plan with unlimited nights and weekends for calls and texts, so my friends and I would message each other like crazy on the weekends when it was free. Got grounded when I got my first girlfriend in high school for racking up the phone bill from text messages and promptly got my phone taken away.
cdrnsf 9mo ago
I just use the bank's website.
- carlosjobim 9mo ago
  Many banks require you to two-factor authenticate with an app on your phone.
  - cdrnsf 9mo ago
    I've yet to encounter one in the US, but I suppose that would make me install it.
    - digitalPhonix 9mo ago
      Which banks do you use? I’m looking to switch away from Chase (which does this). It’s a surprisingly hard thing to search for online…
      - cdrnsf 9mo ago
        Capital One now for a while and a local credit union. Amex does provide this as an option but supports SMS as well.
      - nobody9999 9mo ago
        >Which banks do you use? I’m looking to switch away from Chase (which does this). Do you mean SMS codes or a Chase Bank App? I have to deal with the former because I auto-delete cookies when I close tabs and use Multi-account containers on Firefox. I've never been required to install any application (Chase branded or otherwise) on my phone in order to use the Chase website. I'll note that I've been a Chase customer since they acquired Chemical Bank in 1996. Am I missing something important here? If so, I'd love to hear about it.
        digitalPhonix 9mo ago
        Chase allows both SMS and their app to be the 2nd factor; I dislike both of those options and would much rather TOTP
viktorcode 9mo ago
They will, the moment your bank starts selling media inside the app.

by m132 9mo ago

DANmode 9mo ago

Never. Popular apps have been exempt from these rules since the beginning of time - not that I agree with this.

wmf 9mo ago
Is Patreon not popular?
- speed_spread 9mo ago
  As an app? No.
- DANmode 9mo ago
  If their app didn’t exist on iOS, would it be weird/embarrassing for Apple? That’s what “popular” means, in this context. That’s how they make their decisions.
  - Imustaskforhelp 9mo ago
    I feel like it would definitely be weird. But Patreon does have a web version but I am not sure how many people prefer web sites in Apple ecosystem especially on Ios so I do find the whole thing to be a bit weird because this ~30% cut essentially seems to rip off of creators in some sense.
    - DANmode 9mo ago
      It rips off everyone. Epic Games went to federal court over this with Apple like 40 fuckin times - a related fun read for you.
      - simondotau 9mo ago
        I’d be cheering on Epic Games if they were going after Sony and Nintendo with equal fervour. Personally, I don’t see why any developer should be allowed free rein on anyone else’s platform when it comes to the selling of games and virtual hats. Personally I think Apple should have two pricing tiers: one for interactive entertainment, and one for everything else. For interactive entertainment, a flat 30% on everything. For everything else, Apple lowers their margin to cover transaction costs only (in the realm of 5-10%).
        troupo 9mo ago
        That's what Apple already doing: applying arbitrary categories and charging arbitrary amounts of money because "transaction costs and platform or something". 1. Where the hell is the notion of "using the platform for free" even coming from (it's coming from Apple of course). I didn't know that iPhones are free, or that dev fees are waived for everyone. 2. Why the hell can't I use a different payment processor tham Apple and tell people about it? Then I'm neither using Apple's platform "for free" nor paying Apple's transaction fees.
        simondotau 9mo ago
        For interactive entertainment, I see no moral obligation for Apple to adopt any particular policy unless all major digital game store operators (Sony, Nintendo, Microsoft, Valve etc) are subject to the same requirements. For all other apps, I agree that alternative payment processing should be permitted for one-off transactions. And I can agree for subscriptions as well, provided the developer can meet a high standard for simple, frictionless cancellations.
        troupo 9mo ago
    - Nextgrid 9mo ago
      Patreon is a very niche app in the grand scheme of things. There's the saying that only 1% of web visitors ever stop by and actually contribute, and I'd expect that number to drop to 0.001% when it comes to contributing monetarily through a tool like Patreon. This is an absolutely tiny minority. Hell I'd argue more people are upset about the lack of an OnlyFans app than Patreon. OF has way more brand-recognition (outside of tech) than Patreon.
    - barnabee 9mo ago
      I follow a number of creators on Patreon and have never once thought I want/need a Patreon app.
solarexplorer 9mo ago
Have they? Netflix, Spotify, Kindle, ...

Noaidi 9mo ago

A nickel for each iMessage…

tokioyoyo 9mo ago
Honestly… if we implemented $0.01 charge on every message, post and etc. the world would become an amazing place.
- metabagel 9mo ago
  I think that spammers would happily pay that rate.
  - Imustaskforhelp 9mo ago
    Today out of curiosity, I tried looking at what is the cost of one PVA (Pre-verified account) of google. I found it to be around ~$0.03 (3 cents) or it could be an amazon account idk or maybe an youtube account Like my point is that atleast for amazon/yt, these bots usually cost this much ~$0.03 to buy once. Then we probably see a scammer buy many of these accounts and then (rent it?) on their own website/telegram groups to promtoe views/ratings etc./ comment with the porn ridden bots that we saw on youtube who will copy any previous comment and paste it and so on. So technically these still cost 3 cents & scammers are happily paying the rate.
- _alaya 9mo ago
  I mean...that's how SMS used to work? Or still works? Once upon a time it was expensive to send messages and now it's cheap.
  - thewebguyd 9mo ago
    Yeah. Iirc, I used to have to pay $0.20 per SMS message, sent and received, before unlimited plans became a thing. Also had a limited amount of minutes for phone calls. I remember Verizon wireless at the time had a plan with unlimited nights and weekends for calls and texts, so my friends and I would message each other like crazy on the weekends when it was free. Got grounded when I got my first girlfriend in high school for racking up the phone bill from text messages and promptly got my phone taken away.

cdrnsf 9mo ago

I just use the bank's website.

carlosjobim 9mo ago
Many banks require you to two-factor authenticate with an app on your phone.
- cdrnsf 9mo ago
  I've yet to encounter one in the US, but I suppose that would make me install it.
  - digitalPhonix 9mo ago
    Which banks do you use? I’m looking to switch away from Chase (which does this). It’s a surprisingly hard thing to search for online…
    - cdrnsf 9mo ago
      Capital One now for a while and a local credit union. Amex does provide this as an option but supports SMS as well.
    - nobody9999 9mo ago
      >Which banks do you use? I’m looking to switch away from Chase (which does this). Do you mean SMS codes or a Chase Bank App? I have to deal with the former because I auto-delete cookies when I close tabs and use Multi-account containers on Firefox. I've never been required to install any application (Chase branded or otherwise) on my phone in order to use the Chase website. I'll note that I've been a Chase customer since they acquired Chemical Bank in 1996. Am I missing something important here? If so, I'd love to hear about it.
      - digitalPhonix 9mo ago
        Chase allows both SMS and their app to be the 2nd factor; I dislike both of those options and would much rather TOTP

viktorcode 9mo ago

They will, the moment your bank starts selling media inside the app.