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Tell HN: Stripe killed my music locker service, so I'm open sourcing it

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Re: Tell HN: Stripe killed my music locker service, so I'm open sourcing it

#41

Post by tsuujin »

grose wrote: post #6
ksec wrote: post #5

This is sad. May be it is too late now. But you should have come to HN aka official Stripe Support Forum and ask for support first before closing it down.

It's a shame that we have to complain on social media to get an actual human response to this kind of thing. If Stripe decides to reverse their decision, I'll leave it up, but it will remain open source.

When I was starting up a small business, Stripe decided that it needed to “verify my activity” or some such nonsense and withheld all of my payments for several weeks. Meaning that I could not pay my team.

As far as I can tell, a client paid in a funky way that set off some automated system, and no real person was willing to work with me to get it resolved.

I will never trust Stripe with my business again.

Re: Tell HN: Stripe killed my music locker service, so I'm open sourcing it

#42

Post by grose »

jabart wrote: post #29
yawnxyz wrote: post #7

How do Backblaze and Cloudflare R2 get away with being storage and not violating these kinds of terms?

As someone who worked in the payment gateway industry, they go through underwriting. They provide all necessary documentation, a person reviews it and periodically re-reviews that information. Another item to note is that the Sponsor Bank sets most of these rules. For a product that is making <$100/mo, the risk is too great and not worth answering a ton of questions every month by the sponsor bank and/or visa/mc each…

Appreciate the inside perspective.

Re: Tell HN: Stripe killed my music locker service, so I'm open sourcing it

#43

Post by evandale »

jeroenhd wrote: post #22
pjc50 wrote: post #17

Earlier quoted context omitted.

Not being advertised for or primarily used for copyright infringement.

In what way is uploading the music you bought to private cloud storage illegal? Google Music asked me to upload songs and I did. Is Google really going to get sued to oblivion? I doubt it.

To be fair, the music industry knows they couldn't beat Google in court on this.

The same can't be said for OP who probably doesn't have the time or money to fight it as evidenced by this post.

Re: Tell HN: Stripe killed my music locker service, so I'm open sourcing it

#45

Post by codegeek »

davidmurdoch wrote: post #37
colesantiago wrote: post #26

Earlier quoted context omitted.

No. Bitcoin will not help you here. At all.

Why not?

How many people use bitcoin for daily purchases today? How many want to use bitcoin for daily purchases ? How many people CAN use bitcoin for daily purchases ?

Re: Tell HN: Stripe killed my music locker service, so I'm open sourcing it

#46

Post by londons_explore »

jabart wrote: post #29
yawnxyz wrote: post #7

How do Backblaze and Cloudflare R2 get away with being storage and not violating these kinds of terms?

As someone who worked in the payment gateway industry, they go through underwriting. They provide all necessary documentation, a person reviews it and periodically re-reviews that information. Another item to note is that the Sponsor Bank sets most of these rules. For a product that is making <$100/mo, the risk is too great and not worth answering a ton of questions every month by the sponsor bank and/or visa/mc each…

This. It's a simple calculation of risk vs profit. Payment gateways are happy to put up with more risk, and put more effort into de-risking you as a client, if they are getting lots of profits from you.

Whereas if you have a turnover of $10k/year, and they're earning only 0.5% of that in fees, then it isn't worth them taking much risk or putting much effort in to earn $50.

It would be nice if people like stripe were more upfront about this. They could easily say "We have determined that your business might be high risk for us. If you pay us $1000 (which will be credited towards transaction fees), then we will work with you to mitigate these risks".

Re: Tell HN: Stripe killed my music locker service, so I'm open sourcing it

#48

Post by lotsofpulp »

josephcsible wrote: post #34
varispeed wrote: post #24

I wonder if things looked different if you had a legal team and deep pockets. It's worrying that this concentration of wealth and such services acting as gatekeepers and essentially deciding whether you can run your business or not are not properly regulated yet. I mean, it certainly plays into hands of big corporations, who don't want to see new players and challengers on the market. The way things seem to be going…

Maybe the laws should be changed so that freedom of association is properly only a human right, and for corporate persons, instead having it be a privilege that phases out as the corporation grows, and going away entirely for FAANG-sized corporations.

Laws should mandate the federal government operate an electronic money account and transfer capabilities to everyone at all times. Just like the federal government is tasked with issuing cash.

If there are illegal activities being done, then that is for the courts to decide (but they still do not get to take away the electronic money account and receiving/sending capability of anyone, just the money assuming conviction).

Re: Tell HN: Stripe killed my music locker service, so I'm open sourcing it

#49

Post by peterlk »

poorman wrote: post #40

What is stopping more people from using blockchain networks for payments on their SaaS? From what I've seen, the transactions are just as easy to craft as a Stripe API.

Because running a business on cryptocurrency adds a lot of other operational headaches. Like volatility and currency conversion. If I’m running a small business, I want to focus on that and not an additional forex business

Re: Tell HN: Stripe killed my music locker service, so I'm open sourcing it

#50

Post by mnw21cam »

bcx5k15 wrote: post #38
jeroenhd wrote: post #22

Earlier quoted context omitted.

In what way is uploading the music you bought to private cloud storage illegal? Google Music asked me to upload songs and I did. Is Google really going to get sued to oblivion? I doubt it.

Depends where you live In the UK its technically illegal to rip a CD to your own PC to back it up, for example, see the recent high court case(s) about it where the government won against Brennan (who make hifi gear which can do this) - no different to this app.

I was under the impression that this had been changed in the last few years. Do you have a link for that case?
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