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Adams472

72 karma · joined February 25, 2007

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Adams472··on Show HN: UPUP Simple Credit Card Verification to Reduce Fraud
Fair point. We genuinely appreciate the comments and find a lot of value in the feedback.
Adams472··on Show HN: UPUP Simple Credit Card Verification to Reduce Fraud
Thanks for sharing your thoughts. Chargeback protection is nice in that you can somewhat set it and forget it. But, there are a few drawbacks including having a tax on every purchase. (0.4% - 1.0% of gross revenue adds up!) Chargeback protection also acts as insurance, and the insurance issuer can decline to offer chargeback protection for suspicious transactions, which leaves you on the hook for the risk with that transaction if you accept it.

Where UpUp slots in is for those transactions in the gray zone. Declining a customer's purchase "because our payment processor said you are risky" isn't the best look.

Also, in many cases, such as rental, the value of the transaction is much smaller than the amount of the risk from the transaction.

Hope that helps provides some context on the different use cases as we see them.

Adams472··on Show HN: UPUP Simple Credit Card Verification to Reduce Fraud
I don't believe we necessarily complete with MaxMind. MaxMind helps determine transactions that may be fraudulent. I've used the product in the past and found it helpful. Sift is another good option.

UpUp provides you with method to provide your customers that lets them prove they are not fraudulent. In turns, this lets you feel correct about denying a transaction or sleep better at night when you have approved a transaction that is questionable.

Adams472··on Show HN: UPUP Simple Credit Card Verification to Reduce Fraud
Thanks for the feedback and story!

Our recommendation is that most businesses should be prepared to offer a few options for payment or identity verification. In your case, your family member may have been better suited doing something like a drivers license verification or a knowledge-based identification.

Adams472··on Show HN: UPUP Simple Credit Card Verification to Reduce Fraud
We're working on the API, but decided to launch before it was ready for public consumption. Would be great to learn about your use case and give you access. Could you reach out contact @ upupapp.io?
Adams472··on Show HN: UPUP Simple Credit Card Verification to Reduce Fraud
Hey! Thanks for the comment and support. Glad to provide any motivation. Building is part of the fun :-) Best of luck with your project, and reach out if we can be of any help.
Adams472··on Show HN: UPUP Simple Credit Card Verification to Reduce Fraud
Thanks for your comment/question. 3D secure is helpful and would be redundant. We found that 3D secure support is a bit nebulous across platforms and also dependent upon the implementation. (Javascript vs API vs your ecommerce platform.)

UpUp also lets ecommerce teams verify customers without requiring their engineering teams to immediately implement 3D secure.

We do expect we'll end up using 3D secure as part of our flow in the future.

Adams472··on Show HN: UPUP Simple Credit Card Verification to Reduce Fraud
Thank you :-) That's helpful feedback, and we genuinely appreciate your support. Feel free to reach out to us contact @ upupapp.io if you'd like to chat more. Would be great to hear more about your experience in this area.
Adams472··on Show HN: UPUP Simple Credit Card Verification to Reduce Fraud
Thanks for the question! I'm also on the team that worked on UpUp. Yes, we built the product with the idea of integrating with multiple platforms and processors. We also plan to launch an API soon to enable verifications to be triggered by other services.

Is there a specific platform you are using that you'd like to see us add next?

Adams472··on The End of Starsky Robotics
Thank you for sharing this. The insights and details you share here will help many future founders.

I'm sorry things didn't end up in the exact way your team may have hoped. I hope you can take pride in everything you accomplished. I wish you all the best!

Adams472··on Ask HN: Who is hiring? (October 2018)
Fetch | Full Stack Engineer | Atlanta | Onsite | Full-time

Fetch is a YC and VC-backed transportation startup that provides an automated, self-service marketplace for renting trucks. We recently launched in several new cities and are seeking to add another engineer to our team.

We're hiring a full-stack developer to help us launch new version of our web app, a new native mobile app and integrations with our vehicle hardware. (+ helping us define a software development process.)

Some of the tools we use include:

Python AngularJS PostgreSQL C++ Bootstrap GIT

This is a great opportunity for someone that wants to be involved in an early-stage company and also get experience with software and hardware.

Apply here: https://fetchtruck.com/jobs/

Adams472··on Ask HN: Stay or Leave? SoundCloud has deferred salary reviews
This seems like the most thoughtful response. Salary cuts and freezes, while painful and unfortunate, do happen.

If you're financially stable, enjoying your time and continuing to learn, stick around. It may be an informative experience for the future. Plus, you may have opportunities to take on new projects if other employees leave.

In the background, it can't hurt to sharpen your resume and start talking to friends about their companies in the event that you do have to depart SoundCloud.

Adams472··on Andy Grove has died
After reading Only the Paranoid Survive and High Output Management, I have a deep respect for Andy Grove and the work he did to make Intel an enduring company. He'll be missed.
Adams472··on Major changes to Mandrill, must be tied to a MailChimp account
As others have mentioned, dedicated IPs are anything but a panacea for deliverability. There is an incredible amount of care and planning that must be taken when using a dedicated IP. Shared IPs that are well managed (ie no spammers) are often better for low-volume senders because they don't require warm-ups, constant deliverability monitoring, etc.
Adams472··on Thank you, Y Combinator
Garry! Garry! Garry!

Thanks for all you do for YC and the community. Congratulations on your new adventures!

Adams472··on Criticue Widget: Find out what visitors hate about your website
This is a good idea. Try to launch as soon as possible, even without IE support. Especially, if the product works fine with other browsers.
Adams472··on Welcome Jared
Fantastic news. Congrats Jared!
Adams472··on Show HN: One-click live broadcasting and screen share
Firefox support is coming very, very soon.
Adams472··on Show HN: One-click live broadcasting and screen share
Automatic recording is coming very, very soon!
Adams472··on Show HN: Simpler alternative to WebEx and GoToWebinar, built with WebRTC
Good feedback. Thanks! Agreed on the pricing model. We'd prefer to not have a bad pricing model be a reason you need to host yourself. Perhaps, it means some type of elastic pricing where you have a base plan and pay per additional attendee?

I believe the problem with WebEx and others is they have to know how many attendees you expect upfront so that they can put you on the right server. I think we can solve that.

Embedding on your events page is a great idea! We've talked about that. We've heard the reminder emails are notorious for not showing up in the inbox.

Adams472··on Show HN: Simpler alternative to WebEx and GoToWebinar, built with WebRTC
Thanks for the questions! Price - TBD, but most likely a free tier + a pro tier (eventually).We are thinking something around $50 to a few hundred $ a month, based on the number of simultaneous attendees in the room. Right now, service is free as we need feedback.

What's your use case for hosting on your own server? Security? Really interested to learn more.

Recording isn't available currently, but we hope to have it out this week! We'll start with .mp4 format. Is there another format you'd like?

And yes, private and unlisted broadcasts are also on the roadmap!

Adams472··on Show HN: Simpler alternative to WebEx and GoToWebinar, built with WebRTC
We think webinar software is generally outdated and overly complex. So, we decided to build webinar and broadcasting software we'd want to use. We only support Chrome right now and have lots of features we need to add, but would love any feedback. Thanks!
Adams472··on In Defense of the Floppy Disk [video]
Really interesting talk. Skip to the last 5 minutes for the history, and appropriate use, of the "hamburger" menu icon.
Adams472··on Startups Secrets by Michael Skok [videos]
Found these videos to be really helpful, so thought it'd be worth organizing and sharing. They're in a similar vein to the "How to Start a Startup" lectures.
Adams472··on Will Planned Obsolescence Kill Silicon Valley? [video]
Agreed on access to information. In a competitive market, such as cars, most people know that Toyotas generally last longer than Jeeps.
Adams472··on Will Planned Obsolescence Kill Silicon Valley? [video]
Is Apple a monopoly? In a normal market, competition and market forces should take care of this.
Adams472··on Ask HN: Help me finding a video/talk explaining agile problem solving
Not sure if these are exactly what you're looking for, but hope they help:

Lean Startup: Why it rocks for more than agile development http://breakoutroom.co/#/webinar/330

Lean Startup Overview: http://breakoutroom.co/#/webinar/319

Adams472··on Show HN: Optimized Landing Pages as a Service
Thanks! The personalization can work with any traffic source. Email newsletters and Facebook ad campaigns are other examples.
Adams472··on Show HN: Optimized Landing Pages as a Service
Yep - that's correct! Organic is no longer available due to Google's https switch.
Adams472··on Show HN: Optimized Landing Pages as a Service
Hi Billy - thanks for the question. We'll review your landing page and make sure it's personalized to get the most conversions. If someone is coming in from Google or another paid search campaign, we'll make sure your landing page specifically mentions their search keyword so that the visitor knows you can solve their problem. This is really important, and most landing pages are missing this. (This also helps you rank higher in Google.)

We can also personalize your page based on geolocation. For example, you can show different products or offers if a visitor is located in San Francisco vs Toronto.

Another example is if a user is visitor on a mobile device, you'll want to show a phone number at the top of the landing page so they can easily call you.

Hope that helps - thanks!

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