Privacy – Forget Your Credit Card • Hacker News Board

Re: Privacy – Forget Your Credit Card

#361

Post by Havoc » Sat, Mar 26, 2016, 10:52 PM UTC

robryan wrote: post #186

Havoc wrote: post #61

Earlier quoted context omitted.

>Privacy.com co-founder here Tell me about AVS please. Existing virtual card services have me covered on the virtual card front - both cost and (limited) privacy. I want something that gets me past the virtual card + AVS issue. All the virtual card providers seem to suck on this front...

Do you want your address actually verified or a feature that makes AVS useless?

>Do you want your address actually verified or a feature that makes AVS useless?

Either is fine with me. I just want a virtual card (to protect my bank acc) that I can use in as many places as possible.

Currently I've got a virtual card that only works like half the time...That's pretty underwhelming by any criteria.

Re: Privacy – Forget Your Credit Card

#362

Post by Havoc » Sat, Mar 26, 2016, 10:53 PM UTC

Benjammer wrote: post #191

robryan wrote: post #186

Earlier quoted context omitted.

Do you want your address actually verified or a feature that makes AVS useless?

Was curious about the motivations as well... I work at a small ecommerce company and we'd be effed without our AVS service to help with CC fraud.

Copy paste response

>Do you want your address actually verified or a feature that makes AVS useless?

Either is fine with me. I just want a virtual card (to protect my bank acc) that I can use in as many places as possible.

Currently I've got a virtual card that only works like half the time...That's pretty underwhelming by any criteria.

Re: Privacy – Forget Your Credit Card

#363

Post by boling11 » Sun, Mar 27, 2016, 12:21 AM UTC

tombrossman wrote: post #313

boling11 wrote: post #4

Hey HN - Privacy.com co-founder here. I'm really excited to share what we've been working on for the past year and a half or so. We've been neck-deep in payments stuff on the card issuing side (getting a BIN sponsor, ACH origination, etc), so happy to answer any questions on that front as well. P.S. For new users, your first $5 donation to watsi.org is on us :)

With a name like Privacy.com I was hoping to see your use of Google Analytics visitor tracking in your privacy policy: https://privacy.com/#privacy-policy It isn't there, and disclosing it is mandatory under the Google Analytics T&C's (Section 7 here, it's crystal clear with the language "You must..." https://www.google.com/analytics/terms/us.html ) Can you please add it to your privacy policy? It's one of the first…

Wow - good catch. This was a huge miss on our part. We had it in the previous version, but it got overwritten (no excuse, our mess up).

Anyway, thanks for bringing it up. We've pushed the updated terms.

Re: Privacy – Forget Your Credit Card

#364

Post by elithrar » Mon, Mar 28, 2016, 3:41 AM UTC

arfrank wrote: post #335

elithrar wrote: post #230

Earlier quoted context omitted.

It looks like that to me. I loved Final's ad (done by Sandwich Video) but they've been in "closed beta" for a long while.

We're still hard at work, working on getting it in consumers hands shortly.

Great to hear (I'd love to test; coming from Australia, the lack of chip+PIN here is worrisome! Final would cure a lot of that for me)

Re: Privacy – Forget Your Credit Card

#365

Post by thesimon » Mon, Mar 28, 2016, 11:58 AM UTC

nextos wrote: post #189

thesimon wrote: post #123

Earlier quoted context omitted.

Credit cards are hard to get in Europe? If you are talking about cards with credit line, sure, but debit/prepaid cards are pretty easy to get (e.g. Number26, Monese, Revolut, Fidor etc).

How about virtual one-use ones?

Sorry for the late reply. Maybe check out Entropay, they are 4.95% though. Some airline booking sites even provide a discount when paying with one.

Re: Privacy – Forget Your Credit Card

#366

Post by jeddawson » Tue, Mar 29, 2016, 10:15 PM UTC

arfrank wrote: post #67

jeddawson wrote: post #44

Earlier quoted context omitted.

Are you planning anything for B2B? I’m working on an idea that will need to pay hundreds of vendors for the services they perform for our customers. We want to pay the vendors electronically where possible so having unique card numbers for each vendor would be a great thing. After looking at Privacy.com I want to take it a step further by generating a unique card number for each of our customers. We’d need higher spe…

Take a look at Marqeta.com, this is their bread and butter.

Thank you for the tip!

Re: Privacy – Forget Your Credit Card

#367

Post by ouroborus » Wed, Apr 06, 2016, 9:58 PM UTC

boling11 wrote: post #301

zgubi wrote: post #291

@boling11, why does privacy.com need access to my online banking on an ongoing basis, after the initial signup is finished? I have changed my online banking password after signing up successfully, and I received an email complaining that "Our connection to your bank is broken". I can understand the need for initially providing my banking credentials for AML/KYC reasons, but I feel uncomfortable with your company cont…

We don't actually store your credentials. We work with Plaid.com, and take a token which we can use to pull balance information. This allows us to fund a transaction in real time and take on the risk of ACH. When you change your credentials, that token gets reset. If we took routing / account numbers, you'd have to preload your account and wait up to 3 business days. It's something we're definitely looking into thoug…

Paypal handles these kinds of transactions just fine without preloading and without needing my bank account's username and password. In addition, banks typically tell you to never hand out those credentials even to their own employees.