arcdigital

Agreed...I've been waiting for months now to increase my quota for a specific Azure VM type by 20 cores. I get an email every two weeks saying my request is still backlogged because they don't have the physical hardware available. I haven't seen an issue like this with AWS before...

Fiserv probably is involved with both of those accounts, they do stuff for credit unions and issuers (as well as a lot more)

Hey, sorry to hear you're going through this. I know this doesn't solve your immediate problem with your funds on hold, but I run a payment processor and we might be able to help you process payments without a reserve which could open up some more cashflow to supplement the held funds. Would love to learn more about your business and see if we can help. My email is anand at payclair dot com (a little obfuscated to hopefully avoid spam bots).

That's just how Riot does Worlds now, it's not specific to Korea. I was at last year's Worlds in San Francisco and it looked like it had a similar production value.

I’ve worked in payments for a long time (I did payments at Amazon, Lyft, and Blizzard). Also used to run a company similar to Stripe.

You're correct, take a look at my other comment for a breakdown.

It's nowhere near 6-7%. See my other comment for more details.

This is not true. Anyone in the US who has told you this is confused or getting ripped off by a predatory ISO (the companies that offer credit card processing).

Numbers below are only looking at the percentage, not the flat per txn fee or the other fees like assessments, etc... Only apply to the US. Also assuming you do less than 1 million a year in card volume.

First let's look at actual merchant services costs:

Stripe, Braintree/PayPal (online) you pay the same fee for all cards. Around 2.90%

Wells Fargo (in-person) charges the same rate for all cards until you are high volume. Around 2.40%

Chase (in-person) charges the same rate for all cards until you are high volume. Around 2.60%

Bank of America (in-person) charges the same rate for all cards until you are high volume. Around 2.65%

Now let's look at the actual amount the card issuer charges for a restaurant to accept a card (assuming you're working with an ISO that does OptBlue, all the above do). The markup you pay your merchant services provider is added on top of this.

Amex: 1.60% - 2.85%.

Visa: 2.10% - 2.70%.

MasterCard: 1.85% - 2.00%.

my bad! updated, I was thinking Citi but Visa came out after typing Amex right before. thanks!

I'm assuming it will be just like any other time a card portfolio is sold or transferred (Costco Card: Amex -> Citi, REI Card: US Bank -> Capital One, GM Card: Capital One -> Marcus (which is Goldman, ironically I think they want to get rid of this card too), etc...). Unless Apple discontinues the card completely, they will choose a new bank, that bank will take on the existing portfolio, everyone will get new cards (maybe numbers depending on how they did the BINs)...but with the physical card not having a visible number, the apple pay card being able to be automatically updated, and the virtual card's number being right there in the app it should be pretty painless.

Since Apple manages the whole thing through their own app and not a Goldman Sachs app, it should be fairly seamless as everything should look the same and you won't need to make a new login or worry about how to start paying a new bank. If there's new cards to be issued it's likely it will just show up in the Wallet app and they'll mail you a new physical one. Last year Apple moved the Apple Cash card from Discover to Visa and most people didn't even know that happened. There was even a button to switch it over sooner if you wanted to.

With the Savings Account I expect it will be similar as long as they can find a bank willing to offer a similar APY. Especially for people who just use it with the Apple Card and don't deposit directly to it using the routing/account number, you probably won't really notice.

source: all speculation, but I have worked extensively in payments for years and have launched banking products.

Mercury has been pretty great for us. They use partner banks/sweep network to do up to 5M in FDIC insurance.

What do you mean by "an environment like that"? It was just them outside by a pool...it's not like they were at a Vegas pool party... Different kinds of people work well in various environments.

I sit outside and work all the time, often by the pool. It's actually very relaxing and I can get a lot done when I have my headphones in... Sure, sometimes it gets distracting...and that's when I go back to my desk.

There's nothing special about hosting a .dev domain except for the HTTPS requirement. .dev domains require you to enable TLS on your site.

I've used SwagUp in the past and they've been great.

I don't think there's a youtube video embedded anywhere on the homepage, the animation under the get started button is not a video.

Do you understand how the internet works? Apple has to pay for the bandwidth they're using...

Hey, you can use our IP Ranges API to get this info.

https://www.terraform.io/docs/cloud/architectural-details/ip... https://www.terraform.io/docs/cloud/api/ip-ranges.html

Most large SaaS companies do this. It's hard to get enterprise customers to take the time to write a review, but with some incentive...they might. They didn't ask for a good review, they just asked for an honest review and in return you get a gift card. There's nothing unethical about this.

For #3 it's part of the JWT ID Token. Take a look at https://openid.net/specs/openid-connect-core-1_0.html#Hybrid...

It's definitely not the same, but it's not bad...especially given the times. My friends and I have been trying to do everything we normally do, just online instead. We have happy hours, play jackbox or games on tabletop simulator on zoom/discord (some games like codenames you can just screenshare and everyone doesn't need to own tabletop sim). We also like electronic music and used to go to shows/festivals together...and a lot of DJs have been doing live streams now, so we'll watch them together over Zoom and all dance on a video call.

I'm pretty sure AWS, GCP, and Azure all bill by the second for compute resources with like a one minute minimum.

Looks like they're finally available for enterprise grid customers too! Last time I checked it was only for standard plans.

Okay! My girlfriend will email you tomorrow to try and set something up with an engineer at FB (she’s a recruiter).

I sent your information over to someone. If they're able to help they will reach out.

That wouldn't make sense. The whole point of this is for it to "upgrade" to the standard store card once you've convinced the bank you can be trusted with an unsecured credit line.

If you have okay credit, just get the normal store card.

I see you even built in a coupon system. Any chance you have a coupon for us on HN? :)

You don't need a CS degree to get hired - 12 years of experience is more than enough. Most companies will hire people without CS degrees if they have the experience and can prove it. Just ignore what the job description says and apply anyways.

Tango Card | DevOps Engineer, Frontend Engineer | Seattle, WA or Boise, ID | Full-Time | ONSITE | https://www.tangocard.com/

We work with top companies to deliver e-gift cards for use in employee reward programs, health and wellness participation, marketing incentives, customer loyalty, sales incentives, market research incentives, referral rewards, and so much more. Tango Card is a leader in this industry because of our global catalog of desirable e-gift cards, our easy-to-use reward delivery technology, and our unparalleled expert support. We’d love you to join our dynamic 80+ person team based in West Seattle and Boise, ID.

We primarily work with Java on the backend and Vue on the frontend. We offer competitive pay, full benefits, dog friendly office, and much more! Feel free to drop me an email - anand@{companyname}.com

https://www.tangocard.com/careers

That wouldn't exempt you from federal tax though.