241–250 of 461 posts
Does anyone have any suggestions of what to use instead? Lots of "don't use Stripe", but I'd love to know what the alternatives are!
The integration on my website is bad... But payments and payouts have been solid so far.
If it was, say, a $30000 charge I could give Stripe the benefit of doubt, but $3300 is a pretty ordinary amount for any retailer. Could be e.g. a laptop sale, or three phones? When I see Stripe's apology here it will not be enough for me - not at least without a detailed blog post / postmortem. Until/if that moment happens, I'll regard Stripe as an untrustworthy entity and will recommend doing the same to do anyone I…
Without taking away from your point, deep in the Reddit comments the OP states Stripe put a hold on the account after billing the sale of a literal company truck through Stripe and not via selling their normal store merchandise. https://reddit.com/r/smallbusiness/comments/wa1zob/_/ihyq7tl... As usual, there’s always an undisclosed fact that changes the narrative and explains the ban. Whether this should trigger Strip…
(I work for Stripe, and since many of my colleagues are currently sleeping, taking the liberty of saying this on their behalf.) We are looking into things. As someone who ran businesses for a long time myself, it would be very alarming to me if customers felt they were being ignored while repeatedly talking to people who work for us. If that ever happens, please bring in literally anyone at Stripe, inclusive of other…
> Our email addresses are often available through a quick search of HN Your customer service strategy is really "go to a small internet forum that only some startup nerds know about and find my email address"?
If it was, say, a $30000 charge I could give Stripe the benefit of doubt, but $3300 is a pretty ordinary amount for any retailer. Could be e.g. a laptop sale, or three phones? When I see Stripe's apology here it will not be enough for me - not at least without a detailed blog post / postmortem. Until/if that moment happens, I'll regard Stripe as an untrustworthy entity and will recommend doing the same to do anyone I…
What's the OP/your alternative? Oh Paypal? Look up the horror stories there. Or directly work with a legacy provider like FirstData? They will also freeze your account and won't even accept you if you just have just $3k of sales. Isn't it interesting that credit card processors really like to give crappy customer support and enjoy freezing accounts? Is it because they just attract misanthropic people? If only a carin…
There is a small monthly fee and the processing fee is variable depending on the card. Plain debit/check card under 2%, compared to an airline rewards card that’s more like 4%…
I’m not even eligible for a Stripe account because a large part of my business could be called computer repair and that is explicitly disallowed.
Putting my dang hat on. Related: Tell HN: Stripe brought my business to a dead stop - https://news.ycombinator.com/item?id=21030633 - September 2019 Tell HN: Stripe shut down my 4-year business with no explanation - https://news.ycombinator.com/item?id=28085706 - August 2021 Stripe banned us for payment disputes but we never had a single dispute - https://news.ycombinator.com/item?id=28522784 - September 2021 Stripe…
(I work for Stripe, and since many of my colleagues are currently sleeping, taking the liberty of saying this on their behalf.) We are looking into things. As someone who ran businesses for a long time myself, it would be very alarming to me if customers felt they were being ignored while repeatedly talking to people who work for us. If that ever happens, please bring in literally anyone at Stripe, inclusive of other…
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Also, disputing charges is a whole separate protocol for lightning that hasn't yet been considered. Or more accurately, is railed against as 'code is law' and 'not your keys not your crypto'
So for all the fees you 'save,' lightning nets a significantly below 0.
[Edit] Upwork is big enough to make their own gateway - the idea that they haven't is negligent.
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Documentation can be faked, and 120 days wasn't picked randomly; customers have that long to dispute charges.
It is a tiny amount of money comparatively speaking. They should not put a freeze over a couple of days. If there is no dispute, then their risk drops exponentially. If the amount were much higher, they should just devote more human resources to verifying the charge, and still keep the frozen period low.
It's hardly the only charge of this nature.
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Stripe has an excellent developer experience which makes it easy to integrate it online.
I think people forget how much effort it took to accept credit cards at the time Stripe launched, too. Not just technical, but having to get a merchant account, which would be through a bank, who'd want to sell you a rented point-of-sale and a contract for a minimum amount of fees per month, and a rate hike for being a "risky online business".
The processor lied about fees/rates, API/docs were absolute shit (and they were on the better end of what else I've seen but compared to Stripe they sucked), and I had to go through 3-5 video calls before they gave me API keys for even the dev environment. Then you get to enter the world of monthly charges on your account, minimum fees (if you don't pay enough in fees you have to pay the difference, for me it was $35 in fees minimum which doesn't work well for seasonal things or in-house test accounts), PCI compliance (fuck that form), even worse service, and slimy sales people.
Even with Stripe's absolutely terrible customer support (that I've experienced first-hand multiple times) I'll stick with them over dealing with the alternatives.
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What percentage of people who walk into a business or go online to complete a transaction are able to send their payment via the lightning network compared to the percentage of people who walk in to do a transaction via Visa/Mastercard/Etc? The issue is Card payments and the networks they use. Doesn't matter if lightning settles transactions instantly if the customer wants to pay with Visa and Visa allows funds claw…
At the moment, pretty much nobody is able to send payments via the lightning network. My question is about "what if". Would there be downsides? If the upsides outweigh the downsides, LN could slowly find its way into retail. Maybe by starting with some special use cases where speed, low fees, privacy or immutability are especially important.
Customers with outstanding orders are often on the bottom of the list of creditors who get paid back when a company goes bust and even the companies themselves will often say in their final messages to customers to speak to their card company and issue a charge back for outstanding orders.