Decreasing service fees on subscriptions to 15% • Hacker News Board

Re: Decreasing service fees on subscriptions to 15%

#41

Post by didibus » Thu, Oct 21, 2021, 7:55 PM UTC

weyland108 wrote: post #26

dcchambers wrote: post #22

I think people are focused on the wrong issue. The fee % is not the problem. The problem is the restriction against using other types of payment processors. I am 100% OK with Google, Apple, or whoever charging whatever price they want to charge for using their app store services. They are, after all, providing all of the infrastucture for software delivery, updates, payments, etc. Not to mention giving you access to…

As a iOS user I feel safer that all payments go through apple. I am assured of certain level of privacy and security which is very comforting.

What if the alternatives were PayPal, Amazon Pay, Google Pay, Steam, etc. ? Would you not similarly trust those payment processors?

Also, it should be telling that if you are using an App which only offers: Sketchy Payment Processor, that the app itself is sketchy, so just go use another app.

Re: Decreasing service fees on subscriptions to 15%

#42

Post by heavyset_go » Thu, Oct 21, 2021, 7:55 PM UTC

sofixa wrote: post #10

echelon wrote: post #8

Earlier quoted context omitted.

Credit card transactions take far less, and they deal in legitimate risk (chargebacks, stolen cards, fraud, etc). As developers, we don't even need app stores. They're an artifice that got shoved down our throat by trillion dollar mega corporations. A taxation clearinghouse. You can distribute the same program bytes from anywhere, most notably the web. It's Steve Ballmer's old dream of taxing all software. There's ju…

As a consumer, i want app stores. It's million times better than the default Windows situation downloading random binaries off the Internet. Code signing and malware signature matching are at best bandaids on a waterfall. Having a centralised place with reviews categories, updates etc. is very valuable.

webOS in the Palm/HP Pre days and Maemo both had app stores. webOS had the App Catalog and Maemo built an app store around the apt package manager.

The difference is that Palm, HP and Nokia didn't take a cut, and the stores themselves were based on open protocols that allowed users to add their own sources for apps. That resulted in excellent things like PreWare[1] and, in Maemo's case, enthusiast run apt repositories.

It's entirely possibly to have safe and open app stores that don't follow Apple's model. Apple's App Store model is implemented and maintained to protect the revenue it generates, and security has always been an afterthought.

[1] https://webos-internals.org/wiki/Application:Preware

Re: Decreasing service fees on subscriptions to 15%

#43

Post by Sohcahtoa82 » Thu, Oct 21, 2021, 7:55 PM UTC

justapassenger wrote: post #25

smoldesu wrote: post #17

Earlier quoted context omitted.

Not all app stores are centralized, Linux has had this figured out for years.

And yet, year of Linux on the desktop never happened. Geeks are very different audience from general public.

> Geeks are very different audience from general public.

HNers forget this quite often.

Re: Decreasing service fees on subscriptions to 15%

#44

Post by dymk » Thu, Oct 21, 2021, 7:55 PM UTC

Andrew_nenakhov wrote: post #30

weyland108 wrote: post #26

Earlier quoted context omitted.

As a iOS user I feel safer that all payments go through apple. I am assured of certain level of privacy and security which is very comforting.

Are you also feel safer that Apple decides what apps you are allowed to run? For example, in China, iOS users aren't allowed to run Signal or Protonmail apps. Did it occur to you that if a user is not the final authority who decides which apps should run on the device, he is not really owning the device, but merely leasing it, under some strict terms?

This isn’t really a concern for me, no

Re: Decreasing service fees on subscriptions to 15%

#45

Post by shining373 » Thu, Oct 21, 2021, 7:56 PM UTC

Do you know about “Payoneer Google Pay”? What you're seeing right is talking about two different online payment platforms for business. Basically, we have Google pay, PayPal and that of Payoneer payment processing service. Where do you think this article is driving us all to or what is it trying to review to us about. You can only know where the article is leading us all to only if you are still sitting down wherever you are and still reading the post.

Payoneer Google Pay - Online Payment Processing Platforms For Business Payoneer Google Pay

Just as explained earlier, that the topic is about two different platforms and we get their names mentioned. If you are to search about what you see above “Payoneer Google pay” there is nothing you will find about it. But searching after them one after the other, I assure you will be able to understand what you are looking for. In here, the two things we are discussing is what you are seeing as the key header of this post right now but beginning with the explanation below.

Payoneer Vs Google Pay

The reason why the words were appearing this way is for us to understand better. This is in other to get clear details of what we are looking into. However, what you see here is the one that tells you about the difference between them. Both starting with that of Payoneer and then over to Google pay.

Payoneer

Payoneer you see is a company known for the American financial services but not like BOA. This is made for providing online money transfer. Not just for a money transfer but also with a digital payment service for users with working capital.

Particularly, there is also programs for cross-border payments platforms for empowering businesses, online sellers, and freelancers. Basically, for the platform to pay and also get payments worldwide. There are so many services on the platform that you will love, solutions, industries, resources, partners, and more. Under each of the service options mentioned here, there are sub-options for each one of them.

You have to register on the site before you will be able to access the platform and do whatever you wish on the platform. The URL of the site if you are thinking of creating an account is www.payoneer.com. Also, when you visit this link on your browser, it will then link you to their homepage. This is where the registration link is.

Google Pay

Now, over to Google pay. Google pay is just like Payoneer, it is basically for sending and receiving money online. It is more like a digital wallet and a payment system which Google lunch by itself. For Android users, it allows them to make payments with their Android phones, tablets, or watches.

It is not just for Android users alone. However, users in the United States and India can as well use it on their iOS device, albeit with less limited functions. For the website, it tells you of all the payment activity that you have used your Android device to do. Like those that love playing online games whereby you buy items, games like Call of duty mobile.

We know it is a very well-known popular game. It also has an app free for download. The app is free just as mentioned and you can find it on your Android device Google play store. As for the website, we have something like www.pay.google.com and you don’t need to create an account before you can use it.

As long you are a user of the Google platform, if you have your Gmail account, you are good to go. You can as well create an account if you don’t have an account, just visit www.gmail.com and you can create your account. Thanks for sharing" rel="nofollow">https://www.tipcrewblog.com/iflix-movies-watch-and-download-... your thoughts. I really appreciate your efforts" rel="nofollow">https://www.tipcrewblog.com/paycor/">efforts and I will be waiting for your next write ups thanks" rel="nofollow">https://www.tipcrewblog.com/">thanks once again.

Re: Decreasing service fees on subscriptions to 15%

#46

Post by [deleted] » Thu, Oct 21, 2021, 7:57 PM UTC

realusername wrote: post #23

dcchambers wrote: post #22

I think people are focused on the wrong issue. The fee % is not the problem. The problem is the restriction against using other types of payment processors. I am 100% OK with Google, Apple, or whoever charging whatever price they want to charge for using their app store services. They are, after all, providing all of the infrastucture for software delivery, updates, payments, etc. Not to mention giving you access to…

I want it one step further, it's not called "sideloading" but just "normal install", people should be able to install anything they want without some unwanted middleman, all the restrictions are just market distortions.

[deleted]

Re: Decreasing service fees on subscriptions to 15%

#47

Post by didibus » Thu, Oct 21, 2021, 7:57 PM UTC

notsrg wrote: post #37

dcchambers wrote: post #31

Earlier quoted context omitted.

I think the solution is for Apple to require that all payments at least have the option of being made through the app store payment system, while allowing developers that want to take the time and effort to set up outside payments do that as well. Consumers can continue to use app-store payments if they wish (and I bet the vast majority would), but developers and companies can no longer complain about Apple's monopol…

The problem with this is that using Apple Pay would be more expensive and so why would anyone use it?

A bunch of people here just mentioned they love the fact that the payment is handled by Apple for piece of mind. So I guess that would be why?

Re: Decreasing service fees on subscriptions to 15%

#48

Post by dcchambers » Thu, Oct 21, 2021, 7:57 PM UTC

notsrg wrote: post #37

dcchambers wrote: post #31

Earlier quoted context omitted.

I think the solution is for Apple to require that all payments at least have the option of being made through the app store payment system, while allowing developers that want to take the time and effort to set up outside payments do that as well. Consumers can continue to use app-store payments if they wish (and I bet the vast majority would), but developers and companies can no longer complain about Apple's monopol…

The problem with this is that using Apple Pay would be more expensive and so why would anyone use it?

Security and peace-of-mind, as the other commenter requested. Convenience - already having a credit card linked and ready to go.

Also who is to say the developer would charge less? Let's say, for example, a company called ezpay charges $1 per transaction. If an IAP costs $10, they make $7 off the user who buys via Apple, and $9 off the user that buys via ezpay API in the app. They could lower the ezpay price to $8 and still only make $7, but why bother?

Re: Decreasing service fees on subscriptions to 15%

#49

Post by marcellus23 » Thu, Oct 21, 2021, 7:57 PM UTC

kevin_thibedeau wrote: post #34

anxrn wrote: post #24

Earlier quoted context omitted.

Reminder that Jobs initially did not support having an app store at all for the original iPhone, IIRC for reasons of maintaining the bar on experience. His proposal was to build "apps" for use in Safari. https://appleinsider.com/articles/18/07/10/the-revolution-st...

That was because their iOS API wasn't ready for public consumption. Web apps were a stopgap so they had something to ship.

No, Jobs actually didn't want an App Store. He had to be convinced.

Re: Decreasing service fees on subscriptions to 15%

#50

Post by dcchambers » Thu, Oct 21, 2021, 7:58 PM UTC

vanattab wrote: post #39

dcchambers wrote: post #31

Earlier quoted context omitted.

I think the solution is for Apple to require that all payments at least have the option of being made through the app store payment system, while allowing developers that want to take the time and effort to set up outside payments do that as well. Consumers can continue to use app-store payments if they wish (and I bet the vast majority would), but developers and companies can no longer complain about Apple's monopol…

Are you sure they wouldn't considering it would be 15%-20% cheaper?

Who is to say the developer would charge less? Let's say, for example, a company called ezpay charges $1 per transaction. If an IAP costs $10, the dev makes $7 off the user who buys via Apple, and $9 off the user that buys via ezpay API in the app. They could lower the ezpay price to $8 and still only make $7, but why bother?