posguy

48 ms·

451.
by posguy 10y ago
The thing is, you can't roll your own in house, but you can replace Stripe at a much lower cost with a different vendor. They all process cards after all!
452.
by posguy 10y ago
You'd think, but 2.9% off the bottom line in the form of a large fee every month is something most companies will look to reduce or curtail after a few months or years. If your only processing a few grand a month, Stripe makes sense vs
453.
by posguy 10y ago
Yeah, Stripe only gets so much say over chargebacks with their platform provider and the cardholder's bank, the only platform that I've seen chargebacks successfully fought & won on is Tsys, its always a loser on First Data. T
454.
by posguy 10y ago
Debit networks are wholly separate from Visa/Mastercard, different ballgame entirely. You get to deal with a few hundred tiny debit networks that replace Visa/Mastercard/Amex/Discover for processing the payment. Centuryl
455.
by posguy 10y ago
Quick question about Stripe, how do you plan to retain customers long term? I ask this as a person who has moved a couple businesses off Stripe, pricing & corner cases like easy debit support are the main two motivational factors. For e
456.
by posguy 10y ago
> This is not what I've heard from the handful of store owners I've spoken with. Are you well versed in interchange? Have you seen there merchant processing statement? What was their average ticket, Visa/MC/Amex/
457.
by posguy 10y ago
Very few merchants pay that, notice how there are dozens of segmentations on that page? They have general retail and general e-commerce, your business will slot into one of those two categories worst case. If your merchant processor doesn&#
458.
by posguy 10y ago
Yeah, a full OS with a GUI, drivers and a userland on a floppy. That is pretty darn small!
459.
by posguy 10y ago
Interchange isn't 2.7%, take a look: https://usa.visa.com/dam/VCOM/download/merchants/visa-usa-in...
460.
by posguy 10y ago
You know that those cashback and airline miles rewards are all paid out of interchange (which is part of what the merchant pays), right? The Dodd-Frank Reforms, specifically the Durbin Amendment limited interchange on Debit transactions, ki
461.
by posguy 10y ago
Exactly, the userbase and network effects are a potential profit source, the software is merely a means to an end.
462.
by posguy 10y ago
Google is your friend[1], and yes, I do know many ISOs and I have a relationship with one, but I'm not looking to delve into that. BTW becoming an ISO is not what you should be looking for, a small ISO has a run rate of $2 or $3 billio
463.
by posguy 10y ago
Flat fee processing is always going to be more expensive, unless the Independent Sales Organization chooses to lose money (like Amazon Register lost money[1]). Going over interchange should save you some money, there are a bevy of ISOs out
464.
by posguy 10y ago
Jeez, I assume your using a high memory plan? I'd just go and get a dedi at that price point, or pay someone like ImpactVPS if you want many containers. We pay $190 a quarter for 32GB of ram and a few dozen IPv4s along with 128 vCPUs,
465.
by posguy 10y ago
Another aspect of this is who wants to head up a project like Libreboot? Its a large time sink for minimal returns, as x86-64 is very locked down and likely unusable for future Libreboot targets, with ARM chips bypassing Coreboot (which Lib
466.
by posguy 10y ago
Does the USB C cable not disconnect? From the ones that I've played with, it seems fine. The force required to disconnect USB C cables from a port is less than Magsafe, and the results are the same. Also, remember Apple designed USB C,
467.
by posguy 10y ago
I'm not a DO user, but in the lowend world high CPU steal is a sign of a bad host. I wouldn't renew and would attempt to cancel my box if I saw CPU steal that high. Even on my Munin box, which is pounding 4 cores with 50% usage pe
468.
by posguy 10y ago
What your selling does matter, and a good salesman can't sell anything forever. A decent product to sell goes a long way, and in sales theres no magic word to get the sale. Merely persistence, kindness, and quality of product are what
469.
by posguy 10y ago
Yep, try and sue or suppress someone and you run a real risk of having it blow up on you, defeating your intent to keep it quiet. Sometimes the best action is to do nothing, and let it blow over.
470.
by posguy 10y ago
Go to Idaho or Montana then, you'd be surprised what people will work for when there are no alternatives.
471.
by posguy 10y ago
Yeah, no joke. Immediately at the end of the article, one of the suggested articles is "America is ‘over-stored’ and Payless ShoeSource is the latest victim". Looking at the other recent articles, it is a theme. https:/&#x2F
472.
by posguy 10y ago
No, the $7hr was in reference to what you make as a service sector employee in Idaho or Montana.
473.
by posguy 10y ago
$30 for a 8 mile trip when your making $7hr is really hard on the budget. It might be way cheaper, but it is still unfordable for the median person in a rural area.
474.
by posguy 10y ago
Cities could easily dezone. Most areas have only had zoning for 60 to 80 years, prior to that there was just fire & building code constraining you. What was added by zoning was height restrictions, parking minimums, building type eg. si
475.
by posguy 10y ago
Gas, wear and tear & depreciation aren't free though, these are always going to be higher cost areas to serve.
476.
by posguy 10y ago
Generally you'll get the same results, given the same conditions wrt employment. I've employed heroin addicts before, and its the same trust but verify type deal as a smoker or a gambler. Similar to a gambler, don't expect to
477.
by posguy 10y ago
Busses aren't actually all that great in general, lets be realistic. Out on the islands here in Washington State, that have dial a ride with call buttons at each stop, hailing a small bus or van within 10 or 15 minutes. Uber could easi
478.
by posguy 10y ago
Exactly, what will the kid with no phone do to get around suburbia when there is no basic bus service? What about the senior population? Essentially, what the city has chosen is a solution for middle to upper class people, while ignoring th
479.
by posguy 10y ago
UBI also is the quintessential unraveling of the social safety net, instead of health care, we'll just give you a stipend in the mail and hopefully its sufficient. Addicts of all types, whether it be to drugs, gambling, a pyramid schem
480.
by posguy 10y ago
Huh, didn't know this existed, been using Elk for a while. Wonder how it compares to Splunk (which I still have yet to try), the blogpost below covers what it cost to ingest 250GB of logs a day with Greylog. Apparently Splunk would be

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