Privacy – Forget Your Credit Card • Hacker News Board

Re: Privacy – Forget Your Credit Card

#71

Post by arfrank » Thu, Mar 24, 2016, 10:48 PM UTC

mfkp wrote: post #2

Very useful - my citibank credit card used to have a feature like this many years ago (I believe called "virtual card numbers"), but they got rid of it for some reason. Though I am more likely to give my personal details to citibank than some startup. Trust is a big issue with payment startups.

Citi still has this functionality FYI, just tech that powers it hasn't changed, so stuck with Flash or Windows EXE

Re: Privacy – Forget Your Credit Card

#72

Post by prohor » Thu, Mar 24, 2016, 10:48 PM UTC

Does it work if I live outside US?

Re: Privacy – Forget Your Credit Card

#73

Post by boling11 » Thu, Mar 24, 2016, 10:48 PM UTC

mindslight wrote: post #56

I like this, especially the repudiating of the privacy-hostile billing name/address voodoo. But I'd worry about forgoing the traditional protection of credit card chargebacks, and having to rely on debit card terms and direct ACH.

We make chargebacks just as easy. There's a button you can click next to the transaction that will initiate the dispute process - we'll deposit the funds back in your primary funding account and follow up with you, then resolve with the merchant. You're also covered under Visa's zero liability policy.

Re: Privacy – Forget Your Credit Card

#74

Post by jcrawfordor » Thu, Mar 24, 2016, 10:51 PM UTC

I accept that disabling JavaScript is generally a losing battle, but it specifically irks me when the website of a privacy-centric service is just completely blank if you don't have JavaScript enabled. Of all 30 people out there browsing without JavaScript, it seems like they have an elevated chance of all wanting to learn about this service, and I find myself moderately discouraged from trying it by this issue.

Re: Privacy – Forget Your Credit Card

#75

Post by nommm-nommm » Thu, Mar 24, 2016, 10:51 PM UTC

So what happens when I have to return something and they put the money back on the card I used to purchase it?

Re: Privacy – Forget Your Credit Card

#76

Post by moeffju » Thu, Mar 24, 2016, 10:52 PM UTC

boling11 wrote: post #4

Hey HN - Privacy.com co-founder here. I'm really excited to share what we've been working on for the past year and a half or so. We've been neck-deep in payments stuff on the card issuing side (getting a BIN sponsor, ACH origination, etc), so happy to answer any questions on that front as well. P.S. For new users, your first $5 donation to watsi.org is on us :)

Questing: Why is this US only, and why doesn't it say so right at the start? :(

Re: Privacy – Forget Your Credit Card

#77

Post by wfunction » Thu, Mar 24, 2016, 10:56 PM UTC

boling11 wrote: post #45

tedmiston wrote: post #24

My biggest question with Privacy, and of any one-time use credit card numbers service, is always: Will it affect my rewards? Will businesses still show up unaffected with the same categories on my credit card statement? (I have a travel rewards only card, so breaking the rewards flow is a deal-breaker for using a higher level service.) Edit: I misunderstood the service as being able to be layered on top of normal cre…

Debit cards are something we're looking towards in the near term, credit cards probably will have to be a premium feature (due to how we make money right now). The numbers can be one-time use (burners) or re-usable at the same merchant.

I've never understood why virtual numbers can't be used across different merchants. Why is this? Are there any that do offer this capability?

Re: Privacy – Forget Your Credit Card

#78

Post by nommm-nommm » Thu, Mar 24, 2016, 10:56 PM UTC

"Never forget the cancel one of those pesky 30 day free trials."

This is very misleading to say the least. Not paying for a service doesn't cancel a service. If they tried to bill your card and the card was rejected that doesn't mean the service is cancelled.

Re: Privacy – Forget Your Credit Card

#79

Post by umeshunni » Thu, Mar 24, 2016, 10:57 PM UTC

boling11 wrote: post #4

Hey HN - Privacy.com co-founder here. I'm really excited to share what we've been working on for the past year and a half or so. We've been neck-deep in payments stuff on the card issuing side (getting a BIN sponsor, ACH origination, etc), so happy to answer any questions on that front as well. P.S. For new users, your first $5 donation to watsi.org is on us :)

Out of curiosity - who is your BIN sponsor - Bancorp?

Re: Privacy – Forget Your Credit Card

#80

Post by habosa » Thu, Mar 24, 2016, 10:57 PM UTC

This is one of those things I have wanted to make so many times and I assumed it would either be technically impossible (card numbers not actually a huge number space) or it would just get marked as fraud.

Excited to see someone giving it a try.