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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

#141
post #109

Earlier quoted context omitted.

I'm just happy to be in an exclusive club that can request stripe support on demand.

There's a 2016 cutoff unfortunately. Anyone joining after that date does not get the premium HN VIP support package. Our messages go to /dev/null with the rest of the plebs.

What exact date of 2016 we are talking here?

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

#142

Earlier quoted context omitted.

Because you'll still need to exchange it to real currency.

That's not the problem. If you had cryptocurrency from a lawful business activity in a non-custodial wallet, there are any number of places you can convert it to US dollars, and if you had a dispute with any of them you could use any of the others. The problem is the easy way to accept cryptocurrency is with a custodial wallet, and then they can be the same kind of jerks as PayPal et al. The premise of cryptocurrency…

It is decentralized in a way, like cash, but it's not as safe as cash. Technically cash isn't decentralized but for all intents and purposes it may as well be. Especially USD because anyone in the world will accept it.

It's a little harder to scam/dupe someone with cash (especially in the US with USD because of the centralization) and you have the government to help if you receive counterfeit money. That's the part that makes bitcoin fully decentralized and a pain in the ass to deal with other people and trust - nobody wants to help you if you get scammed with bitcoin. You're completely on your own and wholly responsible for anything that goes wrong.

There's nothing stopping you from meeting with someone and sending them bitcoin to their non-custodial wallet to buy their old patio set. There's also nothing stopping you from making a craigslist ad to trade your cash for someone's bitcoin from their non-custodial wallet. Well, except for fear and how sketchy it would be to stand around waiting for a confirmation before handing over the cash. I can admit the fear and sketchiness goes to 11 though and if that never changes bitcoin will never go mainstream because cash will always be better.

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

#143
post #140

Earlier quoted context omitted.

Stripe approves accounts without underwriting.. They wait until the account begins to process transactions before underwriting.. This is the result.

I don't believe this to be true. In the US you have KYC laws which are a part of underwriting. We also use Stripe Connect which also onboards new stripe accounts and can watch the automated underwriting happen.

KYC is part of the underwriting process... You have to first know your customer before you can understand their business and assume the risk of processing their transactions..

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

#144

As someone running about to start a SaaS, this is scary. Can you comment on if you've tried alternative payment providers/gateways?

Paymentech. It's a hassle to get started but it's worth it. It's also a lot cheaper than Stripe and you don't have to worry about random account closures.

I'm looking for backup providers as well. I absolutely hate how you have to go to complain on HN (and have the post noticed) to get any support at all from Stripe. What is the hassle involved with Paymentech? How easy is it to integrate like Stripe is? How is it cheaper?

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

#145
post #16

Instead of closing your service, may I recommend switching to payplug.com ? Started as a small smartup, now bought by a french main bank chain but has english documentation, very clean API, easy to get support, low fees. Easily handle refunds, payment link, payment page integrated or separate, 3D Secure, subscription/recurring payment, etc etc ... Been using them for a few companies the past year and a half, and migr…

Does Payplug solve global VAT or at least EU VAT?

I can't seem to find any mention on their website about this.

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

#146

Earlier quoted context omitted.

There's a 2016 cutoff unfortunately. Anyone joining after that date does not get the premium HN VIP support package. Our messages go to /dev/null with the rest of the plebs.

What exact date of 2016 we are talking here?

September 13, 2016 when sama became president of YC Group.

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

#147
post #41

Earlier quoted context omitted.

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.

You have a choice when you partner with a payment gateway. You can work with a laissez-faire gateway. It will not exist for long, because your company will be people who figured out they're not complying with various laws, so they will either disappear without a trace, or in the worst case scenario, take you down with them. You may end up having to explain to various authorities what you were doing. Or, you can work…

Well no, Stripe suspends accounts and ignores them. As shown again and again on HN.

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

#148

Did you have a Stripe account manager? If so, get them on the case – they know you and can advocate for the business and explain the product internally. At the very least they might be able to give you a much more detailed explanation of which precise features are causing issue and how you could resolve those things. If not, why? Payments are a core part of any SaaS business, and it's important to have trust with imp…

Its unsurprising that stripe doesn't trust their customers who sign up for them via their standard channels?

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

#149
post #130

Earlier quoted context omitted.

So Hackernews is once again the only way to truly get proper stripe support?

This is standard corporate strategy nowadays. Instead of staffing up expensive customer service departments they wait for posts to go viral on Twitter, Reddit, HN etc. and only handle those.

Externalize triage costs to public forums. Prioritize human support for high profile social media users and viral posts. Reap good PR of solving the problem publicly. Forum owners like this too because it underlines their community value. Win win win (unless you don’t have social media clout).

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

#150
post #14

Stripe is not the only option for payments. Why not switch instead of giving up? Sounds like a neat product.

What are the best alternatives to Stripe that offer better quality service, the same ease of integration especially with Wordpress based plugins, good pricing, and much better customer support?
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