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Stripe Payment Links

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Re: Stripe Payment Links

#291
post #193

Earlier quoted context omitted.

> the bankers often ask for information on the company like website presence of marketing materials. It's not too long ago they would ask for information faxed using company letterhead, as a form of legitimization. The signals they use to vet customers are, again, a decade or two behind what's technologically relevant.

Ironically, I just had a banker ask me for a document on my employer's letterhead today. To which my boss replied "Wtf is letterhead?"

Faxes? Letterheads? To me, those sound almost like the "proof of work" idea behind some blockchain technologies. Essentially: "Prove to us that you're a legitimate entity, because clearly you have bothered to set up support for such legacy solutions."

Personally, i'd be more comfortable with the modern approach being something more along the lines of:

  You should put the token that we'll provide you with under your corporate website's page: https:///.well-known/identity-challenge/
A bit like what is done by Let's Encrypt for providing HTTPS (though there could be additional technical details).

Of course, this does almost nothing for the website being compromised, but still feels less nonsensical than using fax and using letterheads and such.

Re: Stripe Payment Links

#292

This is pretty great, but I think some people are overestimating the significance of this - PayPal.me has existed for a while and it hasn't exactly killed off small payment providers.

Yeah, for the last few years there's also been Zelle (at least in the US).

This is IMO a killer service because all you need is the person's email address or phone number, there's no fees, it's really fast and it's a feature built into most major banks' dashboard so there's no sign up process. It's like the best possible thing you could ask for, but small payment providers in the US still exist.

It's really handy for the use case of sending or accepting infrequent 1 to 1 payments (invoices, referral payouts, etc.). It supports recurring payments too.

Re: Stripe Payment Links

#293
post #273

Earlier quoted context omitted.

That’s exactly the point of VC largely - no really, that’s no secret at all. VCs want unicorns. To get that big you often have to be the biggest in the space or big enough with enough moat to effectively be a monopoly. Monopoly status is the goal

So why is VC funding considered a Good Thing® and actively promoted as the way businesses should be created, when literally everybody agrees monopolies are a bad thing?

Because everybody wants to be a monopoly but nobody wants to be monopolized.

Re: Stripe Payment Links

#297
post #77

Earlier quoted context omitted.

Not related to payment links... but I would love to see Stripe take on handling in app purchases. (basically a webhook and management layer over the terrible native APIs) Companies like RevenueCat are halfway there but have nowhere as nice of an API or dashboard as Stripe. I run a cross platform (web/ios/android) app and would love to do payments all under one platform (Stripe, that is). Apple and Google subscription…

Would love to hear how we can improve the API to make you not want Stripe to do it better. :) Obviously, Stripe is the gold standard and I think we have a hard time, but we're hoping to improve the developer experience even more this year.

My main issue is how the webhooks sometimes give incorrect info, which has led to many customer complains when their subscription gets messed up by some edge case that I would expect to be abstracted away by RevenueCat but isn't.

For example, when I implemented the PRODUCT_CHANGE event I expected it would notify me of the new product, but that is not the case on Android which led to bugs with some customers. It turns out that only iOS sends the new_product_id, so it is impossible to know from this event what the new product should be to display it in the app. Since upgrades/downgrades are immediate on Android, it turns out that the solution was just to not handle that event on Android since the renewal event would override the product anyways. (but sometimes the events came out of order, which is what led to bugs when PRODUCT_CHANGE was after RENEWAL).

There are a lot of cases where events in the dashboard are totally out of order and don't make sense, like showing a customer purchasing the lesser plan, then renewing for the upgraded plan, and then switching from the lesser to the upgraded plan 10 days later. How could that be possible? The switch should have been between the renewals, so it's very confusing to debug.

I've been told that now the recommended approach is to ignore all the webhook data, and simply call the RevenueCat API to get the entitlement and subscription status - however I asked how to parse this into something meaningful and didn't get a good answer. I would like to know the users current entitlement, and the current subscription (which can be different than the entitlement). For example, if the user downgrades, their entitlement may still be the upgraded plan for a while, but the app should reflect that they are no longer subscribed, or that they are subscribed to a different plan. For the entitlement it is easy I think, just choose the highest entitlement level to use. For the subscription, maybe choosing the last renewed one would work? But there are so many complexities with downgrades, upgrades, crossgrades I don't know if that is true. The answer from support was basically that they didn't know, yet this is an absolute must for almost any app - there has to be a way to display what the user is currently paying (or not paying) for, linking out to the native UI is not an option as it's not user friendly and cannot be displayed cross platform (I want the website to also reflect what they are paying for). My big concern with this is also, why does the API supposedly return the correct data but the webhook doesn't? If I am calling the API 10ms after receiving the webhook, why can't the webhook just deliver correct data instead?

Another current issue I discovered the other day was that grace periods are no longer working. The RevenueCat dashboard shows that they are getting a 7 day grace period (the expiration date in the dashboard is correct), yet in the webhooks I am getting the wrong expiration, one that is only a day away. Apparently this is due to a change by Google and a fix is (maybe?) on the way? But it caused a lot of issues that I didn't expect.

Basically RevenueCat's promise is great, it has saved a ton of time but isn't quite there on fully abstracting all these native edge cases away, they crop up in the API occasionally, and the proposed fix to use the API instead of the webhook data is half baked when support has no idea how to actually parse it to get the current subscription that should be displayed to the user (in the case that they upgraded/downgraded and have more than one). I love the idea but I'm hesitant to recommend it to anyone because lately it's been causing a lot of headaches with customers having billing issues due to these inconsistencies.

Re: Stripe Payment Links

#298
post #59
post #41

Earlier quoted context omitted.

Good feedback -- thanks. We've long struggled to find the right balance between "convenient/automatically correct" and "non-confusing" in site localization.

Slightly tangential, but when you localize a product for India, do not automatically translate it to Hindi. Only 38% people of India has Hindi as their mother-tongue. There is strong anti-Hindi-imposition sentiment in many places of India. Just because someone's geolocation is set to India, don't automatically translate it to Hindi. It irks many.

Content is worse.

It is frustrating to no end to visit sport sites in europe (for example, soccer) to have them default to MLS news or mexico news because of my IP

When i specifically go to a EU website to get EU sports news, why is does website forcing me to eat news about my home country sports???

It has gotten so bad that I've just dropped a few sites as a result.

Worse, it is never intuitive or easy to switch the content to the "default"

Re: Stripe Payment Links

#299
post #297

Earlier quoted context omitted.

Would love to hear how we can improve the API to make you not want Stripe to do it better. :) Obviously, Stripe is the gold standard and I think we have a hard time, but we're hoping to improve the developer experience even more this year.

My main issue is how the webhooks sometimes give incorrect info, which has led to many customer complains when their subscription gets messed up by some edge case that I would expect to be abstracted away by RevenueCat but isn't. For example, when I implemented the PRODUCT_CHANGE event I expected it would notify me of the new product, but that is not the case on Android which led to bugs with some customers. It turns…

Thanks for the great feedback. These are all legit issues. We have on our roadmap a revisiting of our API this year and I think we need to have a lower tolerance for abstraction leakage.

Would you mind dropping me an email jacob@revenuecat.com? I think for our long term viability we need to have the trust of people who care about edge cases like this. I’d love to hear more.

Re: Stripe Payment Links

#300
post #193

Earlier quoted context omitted.

Ironically, I just had a banker ask me for a document on my employer's letterhead today. To which my boss replied "Wtf is letterhead?"

Faxes? Letterheads? To me, those sound almost like the "proof of work" idea behind some blockchain technologies. Essentially: "Prove to us that you're a legitimate entity, because clearly you have bothered to set up support for such legacy solutions." Personally, i'd be more comfortable with the modern approach being something more along the lines of: You should put the token that we'll provide you with under your co…

I think you're missing the point. The bank doesn't want you to prove ownership of a particular asset; they want you to prove that you are "carrying on a business".

Owning a website (or a printer, or a truck, or lots of money) doesn't mean you have a business. It's about the nature and purpose of your activities with those assets (or skills).

I can add an identity token to my personal website, but that doesn't make it a business any more than putting a saddle on a zebra makes it a horse.

This ruling from the Australian Tax Office lays out pretty clearly the defining characteristics of a business [1]. It's probably a bit different in the USA, but I'm sure it's not too dissimilar.

[1] https://www.ato.gov.au/law/view/document?docid=TXR/TR20191/N...

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