@Gargron Thats unfortunately a recipe for fraud
@ajroach42 @gargron Not much hacking needs, WooCommerce for WordPress pretty much has everything for that. I've used that as a secondary funding source for a while now and it lets you have multiple providers, subscriptions (with an API), and all.
Thinking about moving to that more completely with the current news.
@gargron i assumed by self-hosted you meant in the same way mastodon is, where each community hosts their own. in which case the community's instance might have to serve as a third party in transactions, potentially
if you're expecting everyone to individually self host one, i have no idea how that would work out
@Gargron I think @chr is assuming that the service would do payment processing directly. The key is in using a third-party payment processor so that you don't have to deal with the financial compliance.
That said, from a user perspective, how important is it to have a single pane of glass to manage my contributions? I suspect it may be pretty important. This means you need either a centralized or federated system.
No but people are right that's not really helpful. Benefit of something like Patreon is it's easy to support multiple creators at once and also trust of your data. And payment plugins already exist for WordPress etc so that's not the defining difference
@Gargron yeah, the whole selling point of Patreon in the first place (IMHO) was "we bundle up a whole bunch of tiny payments to creators you want to support so there's only one transaction fee", and now here they are putting a transaction fee on every single pledge, we may as well just all go back to the 'Tip me on Paypal' widgets.
@tomas it used to be payment processor fees + 5% to Patreon + lower processor fees on the way out, now it’s just one processing fee that presumably includes P's cut and is a LOT bigger for people doing multiple small donations.
They used to make micropayments viable by bundling them, now they’re killing them with this new transaction fees.
As to why we don’t just publish account numbers... transaction fees are generally stupid high on small transactions, also patreon's ability to track that you made 5 things this month and ding patrons for donation*5 is damn handy.
@tomas yes, they are - anything besides handing someone a handful of cash incurs fees.
Oh, and if we give out the account and routing numbers, then there's nothing but trust to keep the person who has it from swiping every single dollar in the account.
American financial institutions kind of all suck ass.
@tomas Yeah it's pretty fucked up, isn't it? If someone gets these numbers and abuses them, it's YOUR fault for defending insufficiently against "identity theft", too, not the bank's fault for "having total garbage security". The banks spend a lot of money buying politicians to keep from having to, like, set up systems that have the faintest whiff of security; we have absolutely no functional limits on how much a corporation can donate to a politician's campaign here. And for what it's worth that lack of a limit probably explains almost anything that looks utterly insane about the US. Please invade us and save us from ourselves if you ever get a chance. It's pretty crazy.
Google tells me the US does not participate in IBAN, so they don't work.
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