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A Final Farewell

getfinal.com

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Re: A Final Farewell

#71

Post by OkGoDoIt »

rkho wrote: post #59
atourgates wrote: post #32

Earlier quoted context omitted.

I was using Bank of America's ShopSafe system a decade ago. Remember all those "Get a free Xbox for completing these 12 free trial offers" scams? Well, it turned out that some of them weren't necessarily scams, and there were whole forums dedicated to actually completing the offers, keeping proper documentation and claiming the prizes. Most of the free trial offers validated your credit card for the initial free mont…

Ahhh the good old days. I'd have spreadsheets of when to cancel trial offers. Probably earned about $20-30k in electronics and cash overall during Freshman year in college.

Me and my roommates did this as well. We did it so much that one of my roommates actually got a legally threatening letter from on of the companies behind most of them (Trilegent I think it was) telling him to stop because he was abusing the system. Which was funny because they were so scammy to begin with.

Re: A Final Farewell

#72

Post by OkGoDoIt »

ch4ch4 wrote: post #21
tejasm wrote: post #11

Earlier quoted context omitted.

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.

I use both of the BofA and Citi virtual credit card services, as I used to do a lot of QA testing on payments processing systems. They both seem to be using the same backend service. I even made a crappy WinForm app that would generate a ton of credit card numbers at once: https://github.com/ch4/ss_gen

I kept wanting to make something like this but I’ve always been too lazy. Thank you! Does it still work? I haven’t used shopsafe in years but I remember it being a pretty crappy interface

Re: A Final Farewell

#73

Post by Cu3PO42 »

I think this was a great idea, so I'm sad to see it go. I have prepaid credit cards for potentially sketchy sites and one "main" credit card that I use for most of my payments online. This could probably have reduced the "administration" overhead involved.

Is anyone aware of a similar offering that is available in Germany? I wouldn't think so, after all most people here don't even have a credit card. We do have debit/ATM cards, but they use a separate payment network developed in German and are not interoperable with Visa/MasterCard.

On that note, I wouldn't mind not getting any benefits since most cards here don't offer any notable ones either. This is probably a direct consequence of there being a pretty strict cap on transaction fees (iirc 0.3% on credit cards).

Re: A Final Farewell

#74

Post by raarts »

ChristianBundy wrote: post #47
kyledrake wrote: post #46

This really, really sucks. I have a business credit card that I have to update 20+ sites for every time there's a compromised card issue, and I'd really love to be able to use one card # for each business I work with. They were going to launch a business card in the future but apparently that is now scrapped. Are there any alternatives out there for doing this?

I've had a good experience with privacy.com, although I'm not super excited that you have to give them your bank logins.

Really? You do? Rather weird for a company by that name.

Re: A Final Farewell

#75

Post by bhouston »

LoungeFlyZ wrote: post #69
RickS wrote: post #18

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.

Customer support is saying they have been bought.

They would not shut down if they were acquired. But it may be an acquihired, which in that case a shutdown is very common.

Re: A Final Farewell

#76

Post by YanaZaidiner »

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…

Hi - I'm Yana, Co-founder of Token. You can download the app via www.jointoken.com/app.

The reason you were asked for the phone number is to make your life easier and to text you the link :) Enjoy token and let me know how it works for you. Stay safe.

Re: A Final Farewell

#77

Post by YanaZaidiner »

kyledrake wrote: post #46

This really, really sucks. I have a business credit card that I have to update 20+ sites for every time there's a compromised card issue, and I'd really love to be able to use one card # for each business I work with. They were going to launch a business card in the future but apparently that is now scrapped. Are there any alternatives out there for doing this?

Try www.jointoken.com. The reason you described above is exactly why we created token - so you'd have an option to use a unique card for every business you work with. Enjoy token and please feel free to share your feedback. Yana, Co-founder of token

Re: A Final Farewell

#78

Post by Atlas »

YanaZaidiner wrote: post #76
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…

Hi - I'm Yana, Co-founder of Token. You can download the app via www.jointoken.com/app. The reason you were asked for the phone number is to make your life easier and to text you the link :) Enjoy token and let me know how it works for you. Stay safe.

I used the link you posed to find your app in Google Play. Like the others who left reviews in Google Play, I don't want this tied to either LinkedIn or Facebook. Since you collect phone number, why not use Cognito to verify users?

Re: A Final Farewell

#79

Post by rkho »

OkGoDoIt wrote: post #71
rkho wrote: post #59

Earlier quoted context omitted.

Ahhh the good old days. I'd have spreadsheets of when to cancel trial offers. Probably earned about $20-30k in electronics and cash overall during Freshman year in college.

Me and my roommates did this as well. We did it so much that one of my roommates actually got a legally threatening letter from on of the companies behind most of them (Trilegent I think it was) telling him to stop because he was abusing the system. Which was funny because they were so scammy to begin with.

Yikes. The worst I got was being sent to collections for a teeth whitening product that was designed to bill regardless of trial cancellation. I learned a ton about negotiating with customer service departments during this time too.

Re: A Final Farewell

#80

Post by ivankirigin »

superquest wrote: post #66
ggg9990 wrote: post #25

Earlier quoted context omitted.

They ran out of money or realized that they would.

Of course -- but they didn't plan to run out of money. So what didn't go according to plan?

Many companies make a good plan of burning $X per month, with a runway of Y months. This is often a worst case scenario with projections of growth from their roadmap.
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