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A Final Farewell

getfinal.com

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Re: A Final Farewell

#11

Post by tejasm »

lewisl9029 wrote: post #5

That's too bad. I loved using Final. I know Privacy [0] is one possible alternative, but it's debit based rather than credit based like Final is, and they require linking a bank account by username and password, which AFAIK makes you entirely liable for any fraudulent activity for the account, so that's a non-starter for me. Anyone aware of any other services that provide virtual cards like these? [0] https://privacy…

Early Final adopter here. I liked the product but wasn't able to differentiate between Final and other VCCs.

Bank of America and Citibank offer virtual credit card creation which is very close to what Final does. Their UI is very clunky but does the trick without worrying about the liability part.

Re: A Final Farewell

#12

Post by crisopolis »

That was fast (or slow, I guess)... I knew this was gonna happen with Final.

Now let's hope Privacy doesn't also decide to close one day. (It does just virtual cards with your bank ACH backing it)

Re: A Final Farewell

#14

Post by techsupporter »

lewisl9029 wrote: post #5

That's too bad. I loved using Final. I know Privacy [0] is one possible alternative, but it's debit based rather than credit based like Final is, and they require linking a bank account by username and password, which AFAIK makes you entirely liable for any fraudulent activity for the account, so that's a non-starter for me. Anyone aware of any other services that provide virtual cards like these? [0] https://privacy…

What also kind of gets my goat is that Privacy has rules in their terms permitting a 3% surcharge for virtual cards backed by a credit card. They just don't have that capability in real life.

I messaged them back when they first opened to complain about the username and password requirement and the response was basically "fraud prevention but we're going to require it for you to use our service."

I do use Privacy's service but point it at a "play" bank account that I keep relatively little money in at a different institution than my regular account.

Re: A Final Farewell

#15

Post by ikeboy »

crisopolis wrote: post #12

That was fast (or slow, I guess)... I knew this was gonna happen with Final. Now let's hope Privacy doesn't also decide to close one day. (It does just virtual cards with your bank ACH backing it)

Privacy closed my account abruptly after refusing to process some disputes. From my limited experience they don't appear to comply with the requirements to run a payment network

Re: A Final Farewell

#17

Post by stmw »

tejasm wrote: post #11
lewisl9029 wrote: post #5

That's too bad. I loved using Final. I know Privacy [0] is one possible alternative, but it's debit based rather than credit based like Final is, and they require linking a bank account by username and password, which AFAIK makes you entirely liable for any fraudulent activity for the account, so that's a non-starter for me. Anyone aware of any other services that provide virtual cards like these? [0] https://privacy…

Early Final adopter here. I liked the product but wasn't able to differentiate between Final and other VCCs. Bank of America and Citibank offer virtual credit card creation which is very close to what Final does. Their UI is very clunky but does the trick without worrying about the liability part.

You could also look at Abine's Blur. It avoids the liability problem. But is more expensive, in general.

Re: A Final Farewell

#18

Post by RickS »

Thoughts on why this happened? I wish they were more forthcoming about the causes. This is the corporate equivalent of ghosting on your tinder date.
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