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Is VISA down everywhere in the US?

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Re: Is VISA down everywhere in the US?

#91

Earlier quoted context omitted.

lightning is a reimplementation of a part of visa, caching for response time and still recording on a blockchain, no? reminds me of https://en.wikipedia.org/wiki/Greenspun%27s_tenth_rule

No, that is not how lightning works.

How is it essentially different?

Re: Is VISA down everywhere in the US?

#92
post #87

Earlier quoted context omitted.

In this case, based on other commenters, there does seem to be something of a real outage (obviously not for the whole US though). However, as someone who has worked this style of job, I can describe why these fake outages happen: While 95% of people are understanding about this, some small portion of customers are unable to separate the store they're shopping at from the minimum wage employee they're talking to. If…

Yeah that’s great point. That’s probably a very likely reason. It’s a good way to preempt any customers possibly getting angry at the employees or the business. Defer the blame to a tier above your control. I wonder if there is a term for that? I could see the same phenomenon happening other scenarios.

It’s called an agent of limited authority. The cashier as an agent of the principal-merchant has limited authority to process transactions at the point of service, nothing more. When problems arise beyond that authority, they defer blame to the “tier above.” It’s a useful negotiating tactic.

Re: Is VISA down everywhere in the US?

#93
post #74
post #32

Earlier quoted context omitted.

If I pay for something, and the merchant doesn't deliver - I have a legal right to a refund which the credit card provider will give me. This is standard in the UK. If I'm daft enough to pay for something with Bitcoin - well, transactions are irreversible by design. So in the case of non-delivery, or a broken / misdecsribed product, there's no mechanism to force a refund. If your credit card provider treats you like…

You have no right. Visa decides who wins the dispute. That may be the standard but get someone having a bad day and you might get the non-standard treatment.

That's not my reading of the statute - https://www.legislation.gov.uk/ukpga/1974/39/section/75

Nor my experience.

Re: Is VISA down everywhere in the US?

#95

Many people don’t understand how card networks work. Generally there are many parties involved in a payment. There is an issuer (usually a bank), acquirer bank, the visa network itself, the payment processor company, etc. If peering between any of these entities is interrupted, there are sometimes “stand in authorization” that allows the card to continue to work, or people may assume the visa network itself is at fau…

They are called "middlemen", having been one several times, and in the last few years as "fintech" has exploded the industry has become overrun with more and more of such companies that add little value outside of raking in high fees for the owners.

Yes, there is even a movie about it. imdb dot com/title/tt1251757/

Re: Is VISA down everywhere in the US?

#96
I work for VISA.

We were not informed of any outages that required tech org employees to come online. (Perhaps another region handled it, but usually it is communicated company wide)

I suspect that a dependency client (Acquirer, Issuer Processor) had issues which caused the network to be down.

Re: Is VISA down everywhere in the US?

#97
I work for VISA.

We were not informed of any outages that required tech org employees to come online. (Perhaps another region handled it, but usually it is communicated company wide)

I suspect that a dependency client (Acquirer, Issuer Processor) had issues which caused the network to be down.

Re: Is VISA down everywhere in the US?

#98
post #70
post #68

Earlier quoted context omitted.

>For example, Tom Thumb, Albertson's, and Kroger's are all the same company. This is not true.

Ah, yeah, I apparently missed with Kroger there. Market Street, Randall's, Von's, United, Safeway, Tom Thumb, and Albertson's are apparently the same company. See: https://www.albertsonscompanies.com/home/default.aspx

They can still be different companies but choose the same provider regionally for their payment processing.

There are many third party vendors that depend on this business to provide entry points for merchants to the VISA network.

Re: Is VISA down everywhere in the US?

#99

Earlier quoted context omitted.

Ha! Great to know there is a word for this phenomenon. I encountered this first hand on the Wikipedia page “Substances Poisonous to Dogs” [1] subsection about Onions & Garlic. The only citation eventually self-references the same Wikipedia page from whence you started. I was already skeptical that the single most common vegetable and ingredient in human food was somehow poisonous to dogs, but now convinced it’s entir…

American kennel club claims garlic is poisonous to dogs, if they eat several cloves per kg body weight... That's a lot of garlic.

Willing to bet a human being would get sick of they ate 200-400 cloves of garlic as well

Re: Is VISA down everywhere in the US?

#100

Earlier quoted context omitted.

No, that is not how lightning works.

How is it essentially different?

Visa transactions can be reversed, Lightning transactions can not.

Bit a of an apple to oranges comparison anyways but that's the biggest difference.

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