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Privacy.com Reissuing All Cards

support.privacy.com

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Re: Privacy.com Reissuing All Cards

#81

Post by neverendingsigh »

nikolay wrote: post #60
mnisjk2 wrote: post #53

Hi all - I’m one of the founders at Privacy. I’d like to provide more context on why we’re asking customers to reissue cards. In an attempt to stay current with changes in card network and bank requirements, we spent the better part of this year investigating product adjustments and determined that changing our cards from prepaid debit to charge cards is the best option to preserve the customer experience. I recogniz…

I have hundreds of cards! Why are you forcing me to do this?! I have no time! Honestly, I'd probably just move to my main card, which almost never changes! Tomorrow you may decide to do something again! I really don't have time to babysit this! You should grandfather all cards and allow customers to change them if they want, otherwise, they should be valid till their expiration date! You're asking us to do a lot of w…

I don't quite have hundreds of Privacy cards, but I have quite a few, and many for subscription services. Though I understand and welcome the core reason for the change, forcing users to do this migration in December—of all months—really necessitates a grim view of the value of our time and energy.

The pre-paid debit product was limited, but far from broken. This could and should have waited another month. And the news shouldn't break on HN.

Re: Privacy.com Reissuing All Cards

#82

Post by morpheuskafka »

julianlam wrote: post #4
m0ngr31 wrote: post #3

Earlier quoted context omitted.

Always bugged me when I tried to use a Privacy card on Digital Ocean

I don't blame them, though. DO is a "bill-after" company, so if you racked up server time, they're out that money if you attached a pre-paid card with $0 on it. We use DO as our provider, and we offer trials in our product offering, so if they attach a prepaid card to _our_ service (which people do, all the time), we're out that money, but it's $5 for us, so we eat it.

The thing is that every card has a limit, both regular debit and credit. You can easily have a bank account with no more than a couple dollars in it and DO would accept that just fine.

If you haven't preauthorized, you aren't guaranteed payment. That's why these services also have usage limits, of course--AWS doesn't want me to rack up a million dollar bill without seeing a past payment history that would indicate I can actually afford that.

Re: Privacy.com Reissuing All Cards

#83

Post by spooneybarger »

As a fairly active user, I'm extremely irritated with this being how I am finding out about this change.

Wrapping up something that amounts to extra work for me in bubbly language is kind of infuriating but in keeping with a couple of my experiences with them.

I'm not sure if I'll continue as a user given my existing unease with how I feel their existing pitch and documentation are misleading.

I appreciate the service but I'm not sure it's worth it to me to switch the cards I have given the my other experiences.

Re: Privacy.com Reissuing All Cards

#84

Post by naikrovek »

nikolay wrote: post #60
mnisjk2 wrote: post #53

Hi all - I’m one of the founders at Privacy. I’d like to provide more context on why we’re asking customers to reissue cards. In an attempt to stay current with changes in card network and bank requirements, we spent the better part of this year investigating product adjustments and determined that changing our cards from prepaid debit to charge cards is the best option to preserve the customer experience. I recogniz…

I have hundreds of cards! Why are you forcing me to do this?! I have no time! Honestly, I'd probably just move to my main card, which almost never changes! Tomorrow you may decide to do something again! I really don't have time to babysit this! You should grandfather all cards and allow customers to change them if they want, otherwise, they should be valid till their expiration date! You're asking us to do a lot of w…

> I have hundreds of cards!

oh yeah, well I have 167 bajillion!*

*I really don't; I do wonder what you're doing with hundreds of monthly payments though.

Re: Privacy.com Reissuing All Cards

#85

Post by ezekg »

naikrovek wrote: post #84
nikolay wrote: post #60

Earlier quoted context omitted.

I have hundreds of cards! Why are you forcing me to do this?! I have no time! Honestly, I'd probably just move to my main card, which almost never changes! Tomorrow you may decide to do something again! I really don't have time to babysit this! You should grandfather all cards and allow customers to change them if they want, otherwise, they should be valid till their expiration date! You're asking us to do a lot of w…

> I have hundreds of cards! oh yeah, well I have 167 bajillion!* *I really don't; I do wonder what you're doing with hundreds of monthly payments though.

You do realize that people use Privacy for business too, right? And virtual cards are not limited to monthly payments. I have one for a local coffee shop that I occasionally do an online order for.

Re: Privacy.com Reissuing All Cards

#86

Post by Kye »

rachel_lithic wrote: post #71
Kye wrote: post #55

Earlier quoted context omitted.

Is this rolling out slowly, or did I join after this was already implemented for new cards? I see no cards on privacy.com/reissue and haven't gotten any notifications. I signed up in October.

We rolled this product out to new users in early October, so it's possible you signed up after that change and have been issuing the new card type. Reach out to our team at support@privacy.com and we'll be happy to take a look at your account and confirm.

They confirmed I signed up with the new thing. Thanks. You might want to add an FAQ entry to cover the situation where someone finds out about the change but doesn't know if it applies to them.

Re: Privacy.com Reissuing All Cards

#87

Post by rachel_lithic »

fragmede wrote: post #57
mnisjk2 wrote: post #53

Hi all - I’m one of the founders at Privacy. I’d like to provide more context on why we’re asking customers to reissue cards. In an attempt to stay current with changes in card network and bank requirements, we spent the better part of this year investigating product adjustments and determined that changing our cards from prepaid debit to charge cards is the best option to preserve the customer experience. I recogniz…

Why force the change onto customers though? Most people understand the difference between a debit card and a credit card, and as someone who's had Privacy.com cards denied because it was a prepaid MC debit card and not a real CC, I've experienced what the problem was. But for merchants where the prepaid debit card works , why can I not continue using that card number there? Privacy.com is a wonderful service, but it…

I hear you on this. We’re really sorry for the inconvenience. Unfortunately, this wasn’t fully within our control. To stay compliant with our bank partner’s requirements and network rules we were forced to make this change to existing Visa cards too.

We did explore the card updater[1] and were hoping to be able to use it. Unfortunately it’s not a viable option due to technical limitations. If we could do the updating for you we absolutely would! If you have questions or there's anything we can help with, please reach out to support@privacy.com

[1] https://developer.visa.com/capabilities/vau

Re: Privacy.com Reissuing All Cards

#89

Post by toomuchtodo »

llaolleh wrote: post #65
chuckdotis wrote: post #37

I got this message last night. I started the process to reissue the cards, but I was immediately asked to provide my social security number. Privacy.com already has my bank account number and routing details, but TBH I'm not super comfortable providing even more personal info such as my SSN. Privacy.com has been an amazing service, and although I'll likely cave to their request for my SSN, I'm not all that happy abou…

It's a little ironic that privacy.com is asking for your SSN lol.

Privacy.com is to firewall you from service providers, not the government. There is no way around KYC/AML if you’re operating legally.

Re: Privacy.com Reissuing All Cards

#90

Post by iancarroll »

lostcolony wrote: post #50
malfist wrote: post #25

Earlier quoted context omitted.

Oh I see, you're talking about linking your affirm account to a debit card for payments? They might be being rejected because they fall into a high fraud category.

No. I'm saying in Affirm, the only options for payment are ACH cards, and debit cards. I don't like either of those, so previously I used Privacy.com cards. Yes, that meant Privacy.com had access to my bank/debit card details, but they already did (and in general it means one place has my debit cards, rather than every place that eschews credit cards). Affirm previously accepted cards created with Privacy.com just fi…

It's annoying because many Affirm loans do indeed accept credit cards, but you don't know if it truly will until you have purchased it and set up AutoPay. It seems most pay in 4/small monthly payments will accept credit cards, but my Peloton loan does not allow it.
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