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patio11's profile
Patrick McKenzie
Patrick McKenzie
Patrick McKenzie
@patio11

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Patrick McKenzie

@patio11

I work for the Internet, at @stripe, mostly on accelerating startups. Opinions here are my own.

東京都 Tokyo
kalzumeus.com
Joined February 2009

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    1. Patrick McKenzie‏ @patio11 15 Dec 2019
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      Patrick McKenzie Retweeted Keith Perhac

      If you think this is }^}+]^ing bonkers fifty years into the widespread use of credit cards and would like to perform an in-flight upgrade of (a fraction of) the global economy, https://stripe.com/jobs https://twitter.com/harisenbon79/status/1206396575452319744 …

      Patrick McKenzie added,

      Keith Perhac @harisenbon79
      Credit card errors are now our greatest source of churn! :) Credit card errors are... our... greatest... source... of... churn... :/
      4 replies 5 retweets 84 likes
      Show this thread
    2. Patrick McKenzie‏ @patio11 15 Dec 2019
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      And believe me the first time you see the stats on error rates it is a very this meme moment:pic.twitter.com/Sc46x67nIp

      2 replies 0 retweets 21 likes
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      Patrick McKenzie‏ @patio11 15 Dec 2019
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      “What percentage is it Patrick?” I don’t think we quote it publicly but it is higher than your first guess.

      8:26 PM - 15 Dec 2019
      • 2 Retweets
      • 14 Likes
      • Kirstin Kuhn mahmoud abdelkader sww1235 Benjamin “shelter in place” Chait JOHN DOHΞRTY 🤓 Denver entrepreneur Matt "MSG superfan" Olson ira Michael Guerin Keeks
      6 replies 2 retweets 14 likes
        1. New conversation
        2. Patrick McKenzie‏ @patio11 15 Dec 2019
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          Credit cards are still extremely important infrastructure, and I’m extremely glad the world has them, but they’ve tolerated pre-computer levels of operational errors for far, far too long.

          1 reply 3 retweets 33 likes
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        3. Patrick McKenzie‏ @patio11 15 Dec 2019
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          A question I periodically find interesting: “What’s your best estimate of how many people in the world are working on X?” For authorization rates, I think it is less than a thousand, total. Credit cards process trillions with a T dollars every year.

          2 replies 1 retweet 32 likes
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        4. Patrick McKenzie‏ @patio11 15 Dec 2019
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          One of the interesting lessons of working at an infrastructure company is the tension between centralized and decentralized infrastructure. You might think e.g. “Ahh big federated network minimizes SPOF.”

          1 reply 4 retweets 22 likes
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        5. Patrick McKenzie‏ @patio11 15 Dec 2019
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          But plausibly a big federated network has 10k+ nodes which each see a problem costing them $1M a year and independently decide “Well that’s not worth putting an engineering team on.”

          0 replies 6 retweets 39 likes
          Show this thread
        6. End of conversation
        1. k. rainbolt-greene‏ @krainboltgreene 15 Dec 2019
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          Replying to @patio11

          100%, check mate.

          0 replies 0 retweets 1 like
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        1. Joyce H‏ @logichole 15 Dec 2019
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          Replying to @patio11

          I've seen major consumer ISP-scale numbers from back when I was writing payment processing systems and... yeah. Even with the mitigations we added around pre-auths and flat-out rejecting stored-value cards.

          0 replies 0 retweets 1 like
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        1. New conversation
        2. muddletoes‏ @muddletoes 15 Dec 2019
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          Replying to @patio11

          I've had online credit card transactions fail twice with overseas purchases. Both times my browser was redirected erroneously to a server owned by a particular company that sells "3-D secure" transaction software to banks.

          1 reply 0 retweets 0 likes
        3. muddletoes‏ @muddletoes 15 Dec 2019
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          Replying to @muddletoes @patio11

          When the person telling you that it isn't their fault that your transaction failed is a managing software engineer that you were able to reach by a call to a publicly available phone number which was immediately answered by a human you have to admit that maybe they have a point.

          0 replies 0 retweets 0 likes
        4. End of conversation
        1. Jacob Krall  🐴 🚋 🚋 🚋 💨‏ @InPermutation 16 Dec 2019
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          Replying to @patio11

          here, use our public data: https://data.spreedly.com/  currently 86.5% success rate across all transaction types

          0 replies 0 retweets 0 likes
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        1. Peter Barlow‏ @peterbarlows 15 Dec 2019
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          Replying to @patio11

          I see your credit card errors and raise you customers putting in their own email address wrong. A good 1/3rd of our support requests are folks who are calling us a scam because they haven’t received any communication about their order and it turns out their email address is wrong

          0 replies 0 retweets 1 like
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