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RichFelker's profile
Rich Felker
Rich Felker
Rich Felker
@RichFelker

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Rich Felker

@RichFelker

Yeah, I do @musllibc, FOSS & infosec stuff. But now is not the time for a mostly-/only-tech Twitter feed.

musl-libc.org
Joined March 2014

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    1. Afraid-a Powers‏ @mspowahs Apr 5

      If your app works with money, don't forget to design for folks with inconsistent access to it. Don't keep retrying failed payments—it can cost a fortune in overdraft charges. Make it easy to halt and resume services. Debit payments ASAP. Be very, very clear about billing dates.

      4 replies 92 retweets 245 likes
      Show this thread
    2. Jordon Bedwell‏ @envygeeks Apr 5
      Replying to @mspowahs @RichFelker

      Do banks charge for declined debit card payments? Asking because I honestly didn't think that happens. Every bank I've been with has always had a have overdraft (fully aware) or just reject (no fee, it's just rejected.) So if that does happen I need to adjust how I handle it.

      1 reply 0 retweets 0 likes
    3. Rich Felker‏ @RichFelker Apr 5
      Replying to @envygeeks @mspowahs

      For Visa/MC debit, no. But many services want or insist on ACH which is awful.

      1 reply 0 retweets 4 likes
      Rich Felker‏ @RichFelker Apr 5
      Replying to @RichFelker @envygeeks @mspowahs

      ACH is awful like checks: overdraft fees possible, delayed clearing, no atomic way to check availability of funds along with debiting.

      4:27 PM - 5 Apr 2018
      • 1 Like
      • Bex C
      1 reply 0 retweets 1 like
        1. New conversation
        2. Jordon Bedwell‏ @envygeeks Apr 5
          Replying to @RichFelker @mspowahs

          Yeah, for ACH we typically don't do automatic draft. We have an automatic switch if they really want (but only try once and then email for manual) but by default we email a few days before, and then give them a week after to manually do it, to avoid those hefty overdrafts.

          1 reply 0 retweets 1 like
        3. Jordon Bedwell‏ @envygeeks Apr 5
          Replying to @envygeeks @RichFelker @mspowahs

          We do that because one time I got screwed that way. 35 * 3, and then a $45 fee because I couldn't pay within a week. It was awful, so I have a "be nice about ACH" policy.

          1 reply 0 retweets 3 likes
        4. Afraid-a Powers‏ @mspowahs Apr 5
          Replying to @envygeeks @RichFelker

          IME even Visa/MC debit cards can slam you with overdrafts. It's up to the bank whether they hit you with fees or not. The overdraft/reject option isn't always easy for the user to discover/change—and "fully aware" is a relative, loaded concept.

          3 replies 0 retweets 4 likes
        5. Afraid-a Powers‏ @mspowahs Apr 5
          Replying to @mspowahs @envygeeks @RichFelker

          Debt collectors can get court orders that allow them to ACH debit on old collections. Predatory services can embed recurring payments deep in their ToS. It's entirely possible to think you're on top of your finances and suddenly find yourself hundreds in the hole.

          1 reply 1 retweet 0 likes
        6. Afraid-a Powers‏ @mspowahs Apr 5
          Replying to @mspowahs @envygeeks @RichFelker

          And it absolutely benefits banks for folks beneath a certain income level to have only murky control over their finances, so you should consider most banks an antagonistic party and bad actor in your designs.

          1 reply 1 retweet 5 likes
        7. K8S ⚧ Adrienne Cohea‏ @AdrienneCohea Apr 5
          Replying to @mspowahs @envygeeks @RichFelker

          Do I need to change our Stripe implementation? I retry all failed payments three times (for certain kinds of errors we know could change). :( We've seen instances of a payment fail with do_not_honor, but then on a second retry it works. I assume cost is being passed to us... :(

          0 replies 0 retweets 1 like
        8. End of conversation

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