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| Author |
Message |
| 25 new of 191 responses total. |
remmers
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response 120 of 191:
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Feb 7 23:10 UTC 1999 |
Pgp is simpler for us but more complicated for the customer. I suspect
that the amount of CC traffic we'll get depends critically on the
convenience factor. If giving money to Grex via CC isn't significantly
simpler for a lot of people than the methods currently available, it
probably won't be used much. If it *is* significantly more convenient,
i.e. do-able via a web form, it might attract more contributors.
<remmers thinks of amazon.com's "one-click ordering" feature...>
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jshafer
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response 121 of 191:
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Feb 10 01:03 UTC 1999 |
I don't know a oout most people, but I would be more
than happy to get my CC# to Mark, possibly via PGP
and email, and have him keep it on file. Then it would
be simple to send him an unencrypted email when it comes
time to renew.
I think Remmers is right, though, that most people would
rather deal with a web form of some sort.
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steve
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response 122 of 191:
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Feb 10 02:10 UTC 1999 |
People who know us probably don't care and the email system
would work just fine. But those who like us and want to help
out probably would like a system.
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remmers
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response 123 of 191:
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Feb 10 18:14 UTC 1999 |
(Are you implying that people who know us don't like us? ;-)
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steve
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response 124 of 191:
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Feb 10 18:17 UTC 1999 |
Heh. No, but it seems to me we have two types of contributors.
Those people who participate in the conferences and such, and get
to know the community. The other type is the kind of person who
sees Grex and really likes it, and wouldn't mind contributing but
(to me anyway) is usually far away, and had there been a convienent
system for them to send a few bucks via credit card, would have
done so.
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aruba
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response 125 of 191:
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Feb 10 18:34 UTC 1999 |
My guess is that accepting credit cards won't pay for itself unless we have a
web page interface.
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albaugh
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response 126 of 191:
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Feb 11 23:47 UTC 1999 |
How about debit cards? More issues than with credit cards? Less? Same?
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dang
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response 127 of 191:
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Feb 12 02:42 UTC 1999 |
I'd say probably about the same. More, actually, now that I think of
it. Somehow the PIN number would need to get to the bank, and that
would probably involve giving it to us. I'd be completely against
accepting PIN numbers at all, let alone over the internet.
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mdw
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response 128 of 191:
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Feb 12 03:04 UTC 1999 |
Do you mean "debit" card or "atm" card? Debit cards look just like
credit cards to the merchant. There's no pin # involved there. ATM
cards are quite different, and do require the PIN#.
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albaugh
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response 129 of 191:
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Feb 12 20:44 UTC 1999 |
Defintely talking about debit cards, not bank "ATM" cards. And now that I
think of it, you indeed probably must supply a PIN when using a debit card,
since the moola is coming right out of your checking account. In that case,
debit cards are not an option.
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mary
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response 130 of 191:
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Feb 12 21:10 UTC 1999 |
I've presented my debit card, without explanation, and had it
treated just like a credit card, where I'm asked to sign a receipt.
I've used it after declaring it a debit card, and punched in PIN
numbers. And I use it as my one and only ATM card. The money
always comes out of my checking account. Handy little buggers.
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dang
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response 131 of 191:
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Feb 12 21:56 UTC 1999 |
I have one too, and use it all the time. If it has a VISA or MC logo on
it, it can be used as a credit card. These are usually refered to as
"Checking Visa" or "Checking Mastercard". Debit cards, in my
experience, usually mean an ATM card with a PIN. The first variety
would work the same as credit cards for us. The second would be Bad
News (tm).
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scg
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response 132 of 191:
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Feb 12 22:36 UTC 1999 |
I have one of those cards too. I can either use it as a Visa card, in which
case there's no PIN involved, or I can use it as what cashiers refer to as
a debit card, and it gets treated as an ATM card and I need to use my PIN.
Yes, it's technically a debit card even when I'm using it as a visa card, but
it doesn't get talked about that way, because that distinction doesn't matter
to anybody except me and my bank.
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i
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response 133 of 191:
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Feb 13 04:27 UTC 1999 |
As an ATM/debit card, i don't believe the merchant has to pay a percentage
to the bank; as a credit card, he definitely does. My bank runs periodic
promotions to get customers to use their debit card as a credit card; using
it as an ATM/debit card is good for a service charge on my next statement.
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void
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response 134 of 191:
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Feb 13 11:41 UTC 1999 |
visa check cards are treated like credit cards as far as e-commerce
goes. i've purchased a couple things over the web using my check/atm
as a credit card and had no problems. i'm not entirely sure what the
merchants had to do on their end, though.
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i
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response 135 of 191:
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Feb 13 12:00 UTC 1999 |
No difference (between a "real" credit card & a debit credit card) from a
merchant's point of view.
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cmcgee
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response 136 of 191:
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Feb 13 16:32 UTC 1999 |
Are you a merchant with experience? It is my understanding that with a credit
card, we pay a percentage of every transaction back to the credit card
company. Is this also the case with a debit card?
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pfv
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response 137 of 191:
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Feb 13 17:15 UTC 1999 |
The diff, as I recall, is that the debitcard is a direct withdrawl
from your checking, unless you overdraw or something - and THEN
the visa-interface is enabled.
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scg
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response 138 of 191:
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Feb 13 19:51 UTC 1999 |
No, if I overdraw on my visa debit card, it will show up to the merchant as
if I'm over my credit limit and they won't let me use it. It looks the same
to the merchant as a visa card, which is its main feature. There was a big
dispute a year or two ago when some car rental companies started refusing
the visa check cards, since they were using the existence of a credit card
as evidence of adequate credit, and Visa spent a lot of time telling them they
couldn't treat the two differently, before finally giving in and saying that
the Visa Check debit cards could be treated differently only by car rental
companies.
There is also the ATM debit card stuff, that people are getting confused with
the Visa and Mastercard debit cards. They are two entirely separate things,
and the merchants do need different accounts and different equipment to deal
with the ATM debit cards. Often both functions are built into the same card,
but that's just two different functions on one card, and does not make them
the same system.
The difference between the Visa debit and Visa credit cards from the consumer
perspective is that the debit cards take the money out of the consumer's bank
account immediately, and that the debit cards don't include all the consumer
protection bells and whistles that the credit cards have. For example, I
don't think you can have your bank do a chargeback to the merchant for you
because you were unhappy with the product if you're using a Visa debit card,
but you can with a Visa credit card.
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cmcgee
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response 139 of 191:
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Feb 13 20:25 UTC 1999 |
Right, but what about the difference between Visa debit and Visa credit from
the merchant perspective (ie Grex). Do we get charged for each one? Do we
need two different systems to process a Visa debit and a Visa credit card?
Do we need two different systems to process a Visa debit and an AnyBank debit
card?
I am not willing to get Grex into a big confused mess over this. I'd like
us to try accepting credit cards for payment to Grex. With this system, if
anything else can be used with the software and merchant agreement that we
sign, then fine. If not, let's not add a whole bunch of other payment
options.
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scg
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response 140 of 191:
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Feb 13 20:39 UTC 1999 |
From Grex's perspective, Visa Credit and Visa Debit would be exactly the same.
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devnull
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response 141 of 191:
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Feb 13 22:47 UTC 1999 |
My bank actually offers .5% cash back if I use a debit card as a credit
card. (I'm sufficiently paranoid that I don't, however.) This would
suggest that the merchant does indeed pay a fee to the credit card company,
and my bank doesn't know what do to with the money other than give it
back to the customers.
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i
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response 142 of 191:
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Feb 14 01:49 UTC 1999 |
The bank is probably getting several times the $.$$% that they offer you
back to encourage debit-as-credit card use. Debit cards are a much better
deal for the bank than for either the customer or merchant.
For a merchant, credit & debit-as-credit cards are the same. Debit-as-ATM
card usage is different - the merchant is acting as a 3rd-party ATM company
instead of a credit card merchant.
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jshafer
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response 143 of 191:
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Feb 14 06:30 UTC 1999 |
To an online merchant, there is no difference between a Visa
check card and a Visa charge card: They are both 16-digit
numbers that begin with a 4 and have an expiration date.
If you actually hand the card to a cashier, they can tell
which type it is, but it doesn't make a difference...
Another difference between using the card as 'credit' and
as 'debit': as debit, the money is withdrawn right now.
As credit it may take a few days. It is possible to overdraw
your account if you use the card as 'credit' and aren't
careful, although that may vary from bank to bank.
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devnull
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response 144 of 191:
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Feb 14 23:51 UTC 1999 |
Re #143: Unless you keep good track, it is always possible to overdraw
a bank account. There can be outstanding checks; some of us tend to have
various automated deductions, etc.
As far as I can tell, it's basically impossible to accidentally overdraw
a credit card and have that actually cause you any hassle beyond having to
talk with the merchant to resolve the issue that the mechant isn't getting
its money.
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