[HN Gopher] Privacy.com Reissuing All Cards
___________________________________________________________________
Privacy.com Reissuing All Cards
Author : AdamJacobMuller
Score : 106 points
Date : 2021-12-03 17:35 UTC (5 hours ago)
(HTM) web link (support.privacy.com)
(TXT) w3m dump (support.privacy.com)
| slg wrote:
| Can anyone figure out a reason why issuing new cards would
| require a new terms and conditions or is this Privacy.com just
| using this as an excuse to force users to accept new and
| presumably worse T&C (if they aren't marketing the changes then
| it is a safe assumption the changes aren't pro-user)?
| regulatorynerd wrote:
| Hi -- head of legal and compliance for Privacy.com. tl;dr is US
| consumer card types have lots of rules and laws attached, and
| we needed to have folks accept some new terms before we could
| give you all access to the new card types. Thanks for using our
| service!
| kf6nux wrote:
| I'm surprised I'm hearing about it here before getting an email
| from them.
| regulatorynerd wrote:
| Thanks for using the product -- head of legal and compliance
| here.
|
| Emails are going out in phases. But if you log into your
| dashboard, you should be prompted to accept the new terms and
| re-issue any merchant locked cards.
|
| Some folks will already be on the new product if they signed up
| during our public beta period, so if you don't hear from us
| you're likely already on the new card types.
| jamestimmins wrote:
| Maybe this is an example of "developer brain", but when I see
| "reissuing all cards", it sounds like when a company has a
| security incident and resets all passwords at once.
|
| So as I scanned through, my read was "oh, Privacy.com had a
| security incident", which it did not.
| junon wrote:
| To be clear to anyone who's reading along here instead of the
| site, they're reissuing cards because they are changing the way
| their card issuance works in order to improve merchant
| compatibility (which is definitely needed).
|
| As such they have to use, presumably, a different set of card
| numbers/prefixes/whatever that the card issuers dictate. No
| security incident prompted this.
| epa wrote:
| Typically privacy.com cards showed up as a prepaid card, and
| most merchants online block these. Curious to see how it
| improves acceptance rates.
| mdesimone2 wrote:
| Curious, why do most merchants reject those? How do they
| impose more risk to the merchant?
| judge2020 wrote:
| For post-paid things like cloud offerings, prepaid cards
| are much easier to get compared to debit/credit, so you
| end up with a lot more fake accounts that just run
| malware/use hundreds of dollars in resources in a month
| only to have that card decline after the money on the
| prepaid is already spent somewhere else.
| wolpoli wrote:
| I read it the same way as well, but my reasoning was that
| vague/generic/neutral headlines tend to be associated with bad
| news. E.g. Google's "spring cleaning"
| [deleted]
| [deleted]
| mnisjk2 wrote:
| Hi all - I'm one of the founders at Privacy. I'd like to provide
| more context on why we're asking customers to reissue cards.
|
| In an attempt to stay current with changes in card network and
| bank requirements, we spent the better part of this year
| investigating product adjustments and determined that changing
| our cards from prepaid debit to charge cards is the best option
| to preserve the customer experience. I recognize reissuing cards
| can be a pretty big inconvenience - this isn't a decision we took
| lightly. The silver lining is that this should improve merchant
| acceptance and provide a better overall customer experience.
|
| Functionally, cards will continue to operate exactly as they
| always have - no fees, no interest, no selling of your data, and
| no impact to your credit score.
| bredren wrote:
| > In an attempt to stay current with changes in card network
| and bank requirements
|
| What were the most important changes from the networks in banks
| that precipitated this?
|
| Requiring an SSN is an important change. Did prior requirements
| not do enough to prevent abuse of their services?
| Kye wrote:
| Is this rolling out slowly, or did I join after this was
| already implemented for new cards? I see no cards on
| privacy.com/reissue and haven't gotten any notifications. I
| signed up in October.
| rachel_lithic wrote:
| We rolled this product out to new users in early October, so
| it's possible you signed up after that change and have been
| issuing the new card type.
|
| Reach out to our team at support@privacy.com and we'll be
| happy to take a look at your account and confirm.
| Kye wrote:
| They confirmed I signed up with the new thing. Thanks. You
| might want to add an FAQ entry to cover the situation where
| someone finds out about the change but doesn't know if it
| applies to them.
| nikolay wrote:
| I have hundreds of cards! Why are you forcing me to do this?! I
| have no time! Honestly, I'd probably just move to my main card,
| which almost never changes! Tomorrow you may decide to do
| something again! I really don't have time to babysit this! You
| should grandfather all cards and allow customers to change them
| if they want, otherwise, they should be valid till their
| expiration date! You're asking us to do a lot of work during
| the holiday season - this is crazy, really!
| boling11 wrote:
| (I work at Privacy.com)
|
| I'm super sorry for the inconvenience and for the limited
| lead time. Unfortunately, this change wasn't fully within our
| control and was required by our card partners.
| neverendingsigh wrote:
| I don't quite have hundreds of Privacy cards, but I have
| quite a few, and many for subscription services. Though I
| understand and welcome the core reason for the change,
| forcing users to do this migration in December--of all months
| --really necessitates a grim view of the value of our time
| and energy.
|
| The pre-paid debit product was limited, but far from broken.
| This could and should have waited another month. And the news
| shouldn't break on HN.
| naikrovek wrote:
| > I have hundreds of cards!
|
| oh yeah, well I have 167 bajillion!*
|
| *I really don't; I do wonder what you're doing with hundreds
| of monthly payments though.
| ezekg wrote:
| You do realize that people use Privacy for business too,
| right? And virtual cards are not limited to monthly
| payments. I have one for a local coffee shop that I
| occasionally do an online order for.
| ezekg wrote:
| I agree with this. Not having to fiddle with changing cards
| was the main selling point that made me switch to Privacy,
| after my debit card was canceled 2 times in a month for
| "fraud" (it wasn't -- they were legit purchases). I also have
| over a hundred cards, and subscribe to the paid plan. This is
| a huge inconvenience, especially given the short timeline and
| holidays. I wish this was handled better for older virtual
| cards.
|
| Also, I haven't received any email about this change.
| nikolay wrote:
| I got the email yesterday. Those people live in ivory
| towers and probably don't use their own product! I have 4
| weeks to move hundreds of cards, I'm a paying customer, and
| they just twist my arms to do this without actually
| thinking about making this easier for their clients! The
| prepaid status of the card was an issue, but when Divvy
| switched from MC to Visa, they had like 3+ months, when old
| cards worked, and you got the option to reissue them as
| Visa ones one by when at your convenience!
| chuckdotis wrote:
| It it possible to continue using Privacy.com without providing
| an SSN?
|
| As I commented in a thread below, I had started using your
| service connected to a debit card via my credit union. Then was
| required to attach a bank account/routing number as the source
| for funding and didn't receive an adequate answer as to why
| (which is fine, but it's slower to process and it requires that
| I provide more sensitive information). I get that Privacy is
| obligated to gather certain financial information for
| regulatory purposes and fraud prevention, but it feels like I'm
| widening my attack surface providing that info.
| regulatorynerd wrote:
| Hi -- I'm the head of legal and compliance for Privacy.com.
| Unfortunately this is a bank partner requirement, otherwise
| we wouldn't ask.
|
| We do take customer privacy and security very seriously, and
| have worked hard to have similar data security safeguards as
| larger companies like Square and Stripe (both places I've
| worked, so I would know!). You can read more about some of
| our security practices here. https://privacy.com/security
| ValentineC wrote:
| Any chance Privacy could accept ITINs as well?
|
| I've tried putting mine in, but it says (rightly) that it's
| an invalid SSN.
| danr4 wrote:
| wait... what if I don't have an SSN? (not a citizen, have a
| us bank account)
| ranieuwe wrote:
| US law requires your bank to collect and verify your
| identity and crosscheck against a series of loste. It is
| part of the Patriot Act post 9/11. Unfortunately for most
| banks this means that they require an SSN. Technically an
| ID or ITIN should suffice.
| spindle wrote:
| Right, this is crazy. I'm a US citizen but don't have an
| SSN and couldn't get one last time I tried.
| divbzero wrote:
| Somehow I've assumed every US citizen has an SSN. Are
| there obstacles you encounter from not having an SSN?
| What is the process for opening bank accounts or applying
| for loans?
| jolux wrote:
| Every citizen is supposed to be given an SSN.
| fragmede wrote:
| Why force the change onto customers though? Most people
| understand the difference between a debit card and a credit
| card, and as someone who's had Privacy.com cards denied because
| it was a prepaid MC debit card and not a real CC, I've
| experienced what the problem was. But for merchants where the
| prepaid debit card _works_ , why can I not continue using that
| card number there?
|
| Privacy.com is a _wonderful_ service, but it already
| automatically locks to the first merchant the card is used on.
| If it 's already working for that merchant, Why do _I_ have to
| change the card number? Use the credit card updater mechanism
| (the same mechanism for when a CC gets stolen but my Netflix
| keeps working and they get the new number somehow) for all
| merchants that support that - that should keep the customer
| load down.
| rachel_lithic wrote:
| I hear you on this. We're really sorry for the inconvenience.
| Unfortunately, this wasn't fully within our control. To stay
| compliant with our bank partner's requirements and network
| rules we were forced to make this change to existing Visa
| cards too.
|
| We did explore the card updater[1] and were hoping to be able
| to use it. Unfortunately it's not a viable option due to
| technical limitations. If we could do the updating for you we
| absolutely would! If you have questions or there's anything
| we can help with, please reach out to support@privacy.com
|
| [1] https://developer.visa.com/capabilities/vau
| dabber wrote:
| It's always great to see candid comments like these from
| the people involved. I appreciate you all and I know I'm
| not alone.
| prophesi wrote:
| > but it already automatically locks to the first merchant
| the card is used on.
|
| Just a minor correction: I'm able to use the same Privacy
| card for x merchant for any number of y merchants, so long as
| it stays under the charge limit I've set for that card.
| hnrodey wrote:
| That has not been my experience and runs counter to their
| core product offering. Just my two cents.
| prophesi wrote:
| So a privacy card you used for one merchant was denied by
| another merchant? And it wasn't due to them rejecting
| prepaid cards, setting your card to single-use, or
| setting too low of a dollar limit?
| kingaillas wrote:
| Not OP, but yep, my cards have been locked to the
| merchant.
|
| I've only experienced this with Kickstarter and then a
| secondary payment collector (BackerKit, etc) where some
| extra charge had to be finalized, typically shipping or
| maybe I threw in some extra doodad, and then had it fail
| because that second charge wasn't technically the same
| merchant.
|
| But this was fine and I was happy - working exactly as
| intended. I just created a new privacy card and updated
| payment.
| greyface- wrote:
| Not OP, but yes, this has been my experience.
| https://support.privacy.com/hc/en-
| us/articles/360012404053-W...
| peanut_worm wrote:
| Seems weird to label a massive inconvenience as an "Exciting
| Update"
| ghshephard wrote:
| I loved the idea about privacy.com - used them for a while - but
| a significant (>40%?) of the vendors that I tried to use them
| with didn't accept pre-paid cards (which I guess what these
| appear as) - and almost 90% of the vendors that I really needed
| them for would not accept them.
|
| Perhaps this re-issue will make them more useful - here's hoping,
| because I think the idea is brilliant.
| ssalka wrote:
| I had been using privacy.com for around 6 months to pay my
| Xfinity internet bill. Last month, it stopped working randomly. I
| wonder if this change will fix my issue.
| AdamJacobMuller wrote:
| Seems like they are changing bank partners and will use cards
| that code as "charge card" instead of "prepaid card" which is
| great (some places block "prepaid" cards) but they are forcing
| this change on everyone (as much as I could see) and doing it
| with only 30 days of notice, which is much less great.
| morpheuskafka wrote:
| It looks like they have added a manual payment option, though
| certainly not preferred, so that they can technically comply
| with some definition of charge card perhaps?
|
| https://support.privacy.com/hc/en-us/articles/4414521565719-...
| m0ngr31 wrote:
| Always bugged me when I tried to use a Privacy card on Digital
| Ocean
| donmcronald wrote:
| I thought DO had an option to prepay via Paypal.
| singlow wrote:
| Yes which means you prefund your expenses. If you provide a
| prepaid card as a funding source it is likely to not have
| funds when they attempt to debit you for services already
| rendered. I'm sure they'd be fine with you prepaying on a
| prepaid card.
| ipaddr wrote:
| They do
| dylan604 wrote:
| If you're trying to use something like Privacy.com, it's
| probably because you don't want to have your details shared
| with others. Using PayPal is not going to to that.
| julianlam wrote:
| I don't blame them, though. DO is a "bill-after" company, so
| if you racked up server time, they're out that money if you
| attached a pre-paid card with $0 on it.
|
| We use DO as our provider, and we offer trials in our product
| offering, so if they attach a prepaid card to _our_ service
| (which people do, all the time), we're out that money, but
| it's $5 for us, so we eat it.
| netr0ute wrote:
| > DO is a "bill-after" company, so if you racked up server
| time, they're out that money if you attached a pre-paid
| card with $0 on it.
|
| Then if they don't want that, don't be bill-after or
| companies like Privacy will just engineer around that
| prepaid card limitation.
| jrockway wrote:
| Everyone is a bill-after company, though. If it was pre-
| pay, you'd buy $200 of computing time, convert that into
| 8 cents of today's hot shitcoin, and then initiate a
| chargeback to get your $200 back. They could make you
| wait 60 days or whatever, but that's an unpleasant
| customer experience, so they don't.
|
| With physical goods, there is always the possibility that
| the merchant could compel you to return the physical
| good, but with cloud computing, that's nearly impossible.
| morpheuskafka wrote:
| The thing is that every card has a limit, both regular
| debit and credit. You can easily have a bank account with
| no more than a couple dollars in it and DO would accept
| that just fine.
|
| If you haven't preauthorized, you aren't guaranteed
| payment. That's why these services also have usage limits,
| of course--AWS doesn't want me to rack up a million dollar
| bill without seeing a past payment history that would
| indicate I can actually afford that.
| awslattery wrote:
| Weird, I must have added my Privacy card to DO before they
| made a backend payment processing change. Been using it since
| July 2016, with a new card in August 2020.
| judge2020 wrote:
| For reference:
|
| > On December 31, 2021, we will close all Visa Privacy Cards
| that have not been updated. In order to continue using
| Privacy.com without interruption, we need you to complete a few
| simple steps. Visit our FAQs to learn more.
|
| Via the popup transition tool when logging in.
|
| Sad they couldn't keep existing cards open till they expire,
| but just recently their card expiration dates jumped to lasting
| till 2027 so I see why.
| xd1936 wrote:
| I've always been surprised by privacy.com's business model. Do
| they really make enough money from those small credit card
| processing fees to stay afloat, or are they coasting on investor
| money?
| morpheuskafka wrote:
| So the processing fees (called interchange) are capped at a
| $0.21+0.05% low rate for most banks, but very small banks and
| credit unions are exempt from this cap, and charge ~2% similar
| to credit cards. Fintechs always partner with a small bank to
| issue their cards and split the revenue.
|
| So the thing is, most of their customers are going to be
| connecting a debit card from a large bank (they don't allow
| credit cards as a funding source). A few will come from a
| Durbin-exempt institution like a small credit union or a
| community bank (including one issued by another fintech/bank
| partnership such as Chime). But on the whole, they will mostly
| be paying the low interchange and charging the high
| interchange.
|
| Since the new cards are considered credit cards, not debit
| cards, they won't have to worry about Durbin amendment at all.
| hobo_mark wrote:
| I recognize another patio11 connoisseur.
| jaywalk wrote:
| I hope they're making enough money. They offer a fantastic
| service, and they do have paid tiers as well.
| AlbertCory wrote:
| I hope the fees keep them afloat, but they are one online
| service that I wouldn't mind paying a monthly subscription for.
| sunir wrote:
| We offer virtual cards too through AppBind and when I can't sleep
| at night, sometimes I do game plan the possibility of what it
| means if we had to change card partners.
|
| I expect we will see events like this fairly frequently in the
| next decade.
|
| I feel for them.
| ipaddr wrote:
| Why not setup a backup system with another provider now?
| pxx wrote:
| The numbers would still need to change? The first six (soon
| to be eight) digits of a Visa or Mastercard identify the card
| issuer.
| jrm4 wrote:
| Having never heard of privacy.com, I reflexively laughed at the
| headline. Just me?
| yjftsjthsd-h wrote:
| Sorry, I don't follow but feel like I should. At the risk of
| dissecting the frog[0], could you possibly explain?
|
| [0] https://www.goodreads.com/quotes/440683-explaining-a-joke-
| is...
| chuckdotis wrote:
| I got this message last night. I started the process to reissue
| the cards, but I was immediately asked to provide my social
| security number. Privacy.com already has my bank account number
| and routing details, but TBH I'm not super comfortable providing
| even more personal info such as my SSN. Privacy.com has been an
| amazing service, and although I'll likely cave to their request
| for my SSN, I'm not all that happy about it.
| chaikasumu wrote:
| Maybe it's because you have your funding source as your bank
| account, but I was never asked to provide my SSN with a debit
| card funding source.
| chuckdotis wrote:
| > Maybe it's because you have your funding source as your
| bank account I originally had it tied to a debit card, but
| for some reason Privacy.com forced me to provide a bank
| account about a year after I started it. I asked support why
| and they couldn't give me a good answer other than my credit
| union is no longer supported (though I think the agent I
| spoke with was blowing smoke and it might have had something
| to do with my always-on VPN).
|
| Have you been asked to provide an SSN with the latest change?
| aaomidi wrote:
| If it makes you feel better, your SSN is dumped into thousands
| of leaks already, most likely.
| chuckdotis wrote:
| > If it makes you feel better, your SSN is dumped into
| thousands of leaks already, most likely.
|
| Actually, this reminder does make me feel slightly better
| about giving my SSN to Privacy.com.
| aaomidi wrote:
| Yeah at this point I assume my SSN is more of a UID
| username that isn't just fully-public, but I need to
| monitor credit and be pro-active about it, rather than some
| secret value.
| regulatorynerd wrote:
| Hi -- I'm the head of legal and compliance for Privacy.com.
| Unfortunately this is a bank partner requirement, otherwise we
| wouldn't ask.
|
| We do take customer privacy and security very seriously, and
| have worked hard to have similar data security safeguards as
| larger companies like Square and Stripe (both places I've
| worked, so I would know!). You can read more about some of our
| security practices here. https://privacy.com/security
| chuckdotis wrote:
| Hey, thanks for the response! Does this apply to both the
| linking of a bank account (ie account number w/ routing
| number) and linking a debit card?
|
| Thanks for responding to these questions. Very much
| appreciated.
| regulatorynerd wrote:
| Yes, it should be funding source agnostic. Anyone moving to
| the new card types will be prompted to provide their SSN.
| danr4 wrote:
| What if i'm not a US citizen? don't have a SSN...
| leephillips wrote:
| "Unfortunately we cannot support international bank
| accounts or non-US users at this time."
|
| https://privacy.com/virtual-card
| llaolleh wrote:
| It's a little ironic that privacy.com is asking for your SSN
| lol.
| chuckdotis wrote:
| Yeah, a bit. Despite that, I still perceive them as a good
| barrier (and defense) between my personal financial account
| and random online businesses whom I would very much like to
| not provide any personal info whatsoever. An example is
| wanting to buy a LOSSLESS album from Bandcamp, I can use
| Privacy and I don't even need to give the musician or
| Bandcamp my real name or actual financial details.
| toomuchtodo wrote:
| Privacy.com is to firewall you from service providers, not
| the government. There is no way around KYC/AML if you're
| operating legally.
| therein wrote:
| I had created an account with them right away when they first
| started, had given them all my information as they required.
| After a month or so they closed my account due to abuse. All I
| was doing was to use their service as intended.
| spooneybarger wrote:
| As a fairly active user, I'm extremely irritated with this being
| how I am finding out about this change.
|
| Wrapping up something that amounts to extra work for me in bubbly
| language is kind of infuriating but in keeping with a couple of
| my experiences with them.
|
| I'm not sure if I'll continue as a user given my existing unease
| with how I feel their existing pitch and documentation are
| misleading.
|
| I appreciate the service but I'm not sure it's worth it to me to
| switch the cards I have given the my other experiences.
| password4321 wrote:
| Maybe time to check out OneFinance for multi-card/ACH
|
| https://news.ycombinator.com/item?id=28247788#28248539
| Kye wrote:
| It says something about a helper tool, but I don't see it in my
| dashboard.
| UnlockedSecrets wrote:
| It is located at privacy.com/reissue
| [deleted]
| ibdf wrote:
| "You can pay in more places! Our first version of the Privacy
| Card worked well for creating one-time use cards, setting spend
| limits, and locking cards to specific merchants. However, some
| merchant policies prevented our cards from being accepted online.
| The new version of our Privacy Cards maintains all of the privacy
| and security features you love while expanding the places where
| our cards are accepted."
|
| Google was one of those merchants. I've been using this service
| for a few years now and it has saved me from so many headaches.
| chillwaves wrote:
| I liked the idea and always wanted to use it more. I actually
| only used it once because I was dealing with a potential
| subscription hassle and that card actually got stolen! A bad
| charge was reported from privacy.com (and of course did not go
| through).
|
| Pretty cool service.
| [deleted]
| fossuser wrote:
| Does anyone on HN have experience with this service or a personal
| comparison with Blur?
|
| I've used delete me which works well enough (from the people that
| make Blur), but I've ended up just using the Apple Card which has
| a tiny amount of the privacy guarantees without a lot of the
| hassle (and good software).
|
| I've been tempted to switch to one of these services though, but
| I think your data still gets resold by the card processor?
| junon wrote:
| Never heard of Blur, but I've used Privacy.com successfully
| for... man, maybe five years?
|
| Never had any issues with them. Not one. They always Just Work,
| their app doesn't change every six months, I hardly ever have
| to log in. Everything 'Just Works'. They've been great.
|
| The card reset is a tad unfortunate but isn't really an issue
| since they're all named/branded accordingly.
| zhynn wrote:
| Adding my voice to this experience. I have been a user for
| about 2 years, and I love it. I also appreciate that they
| support non-txt 2fa for login security.
|
| My only quibble is that I wish I could generate a card that I
| could give to a someone else that had a limit cap but could
| be used at more than one site/vendor (the current method
| really wants you to use them at only a single vendor, which
| is generally exactly what I want). Like an allowance card
| basically.
| mattnewton wrote:
| Privacy.com has been fantastic for me - AMA.
|
| However I am such a heavy user that this announcement is
| actually rather annoying. I didn't see an email about it yet
| either, and could have easily missed that I am going to need to
| update 10 or so subscriptions this month :/
| octopoc wrote:
| Can you hook Privacy.com up to a budgeting app that uses e.g.
| Plaid or Finicity to monitor transactions?
| mattnewton wrote:
| Not 100% sure since don't use those apps, I actually pay
| for privacy.com to obfuscate what the money was spent on so
| my bank doesn't know either in it's budgeting view. But if
| you don't do that I think budgeting apps should be able to
| work, since the merchant name is passed through in the
| transaction metadata. Bank of America correctly categorized
| transactions before I disabled this, so I imagine your
| other apps might work.
| andrewmunsell wrote:
| All my budgeting apps work fine (merchant name can be a
| little bit of a mess sometimes) since the transactions come
| through individually in my bank.
| lostcolony wrote:
| Well. I seem to be unable to replace the card I created for a
| purchase with Affirm using the new cards.
|
| A lot of my use case for Privacy.com was avoiding giving out my
| debit card (and thus, direct debiting against my checking
| account). If this switch means it no longer enables that (just
| replaces a credit card), my usage of them drops quite a bit. It's
| nice to be able to cap a charge against the card I guess, but the
| level of effort required doesn't really give me the peace of mind
| needed to warrant it.
| malfist wrote:
| Affirm fully supports the use of virtual cards. You can use the
| app to generate a new visa card for every purchase.
| lostcolony wrote:
| I did. Multiple cards, multiple times. And got rejected each
| time. My actual debit card worked fine.
|
| The prior Privacy cards worked fine; that's what I had
| entered beforehand. It's just the new ones I reissued on
| Privacy that aren't being accepted.
| malfist wrote:
| Oh I see, you're talking about linking your affirm account
| to a debit card for payments? They might be being rejected
| because they fall into a high fraud category.
| lostcolony wrote:
| No. I'm saying in Affirm, the only options for payment
| are ACH cards, and debit cards.
|
| I don't like either of those, so previously I used
| Privacy.com cards. Yes, that meant Privacy.com had access
| to my bank/debit card details, but they already did (and
| in general it means one place has my debit cards, rather
| than every place that eschews credit cards).
|
| Affirm previously accepted cards created with Privacy.com
| just fine.
|
| However, to prepare for the old cards no longer working
| (per the article), I just went and had new ones issued on
| Privacy.com. When I went to put those into Affirm,
| though, Affirm rejected them with "something went wrong".
| Multiple cards, multiple attempts, no further data given
| (both on the site and in the network request).
|
| When I went "uh-oh; I need to actually make sure the
| Affirm loan gets paid off next month when it goes to bill
| again", and so inserted my bank's debit card details, it
| went through fine.
|
| So, Affirm rejected the new Privacy.com cards for me. It
| accepted my personal debit card just fine.
| iancarroll wrote:
| It's annoying because many Affirm loans do indeed accept
| credit cards, but you don't know if it truly will until
| you have purchased it and set up AutoPay. It seems most
| pay in 4/small monthly payments will accept credit cards,
| but my Peloton loan does not allow it.
| niij wrote:
| I see the spending limits are still configurable on the new
| cards.
|
| Does the switch from a pre-paid cards to a charge cards affect
| the ability for a merchant to collect on balances over the
| configured limit in some way? Or will those still be declined as
| it currently is?
| FalconSensei wrote:
| After moving to Canada, I definitely miss that in Brazil I could
| just create a one-time card number directly from my bank site,
| instead of having to rely on 3rd parties that sometimes don't
| even offer the same service - Canadian privacy.com alternatives
| seem to offer a pre-paid card, but no 1 time card numbers.
___________________________________________________________________
(page generated 2021-12-03 23:00 UTC)