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.
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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.
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Replying to @envygeeks @mspowahs
For Visa/MC debit, no. But many services want or insist on ACH which is awful.
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ACH is awful like checks: overdraft fees possible, delayed clearing, no atomic way to check availability of funds along with debiting.
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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.
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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.
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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.
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Replying to @mspowahs @envygeeks
Yes. I seem to recall a change in law maybe 7-8 years back that either mandated no overdraft by default or at least option to disable it, but I don't recall the details.
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A properly-configured Visa debit card won't let you overdraw, will decline authorization if there are insufficient funds.
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