If you wanted to send me a monetary tip for my excellent Mastodon posts, which platform would you prefer to use?
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If you wanted to send me a monetary tip for my excellent Mastodon posts, which platform would you prefer to use?
(Please don't be a dick in the replies as a muting often ofends.)
@Edent GNU Taler would be cool!
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If you wanted to send me a monetary tip for my excellent Mastodon posts, which platform would you prefer to use?
(Please don't be a dick in the replies as a muting often ofends.)
@Edent With minimal effort, eg Google Wallet or via direct payment link / QR code to a UK/EU bank.
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@floppy a standard for the button, or a standard payment system, or a standard back-end?
All gets complex quickly!
@Edent it’s definitely a complex problem but we need to come up with a way to do it, I think.
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@Edent GNU Taler would be cool!
@jak2k do you use Taler?
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If you wanted to send me a monetary tip for my excellent Mastodon posts, which platform would you prefer to use?
(Please don't be a dick in the replies as a muting often ofends.)
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@duncanlock I don't know where you are in the world, but in the UK and Europe it is free to transfer a single penny to any account.
I use tap-to-pay on low value transactions all the time. I even bought a single apple from a greengrocer once!
@Edent @duncanlock Pretty sure there would be a merchant fee and the shop just ate it
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@Edent @duncanlock Pretty sure there would be a merchant fee and the shop just ate it
@davidgerard @Edent @duncanlock yes. Using cards (even non-credit cards) costs the seller money.
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@davidgerard @Edent @duncanlock yes. Using cards (even non-credit cards) costs the seller money.
@davidgerard @duncanlock @tante
Not really. In the UK, I pay a fixed % for tap-to-pay card transactions.SumUp charge as little as 0.99% whether you're charging £1 or £500. My corner shop prefers that I pay by card for a chocolate bar rather than a £20 note.
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@Edent @duncanlock Pretty sure there would be a merchant fee and the shop just ate it
@davidgerard @Edent @duncanlock Yes, the shop will have paid the transaction fee for this and it will have been a fairly large proportion of the payment.
Not as large in the UK as in the USA, but still a flat fee per transaction plus a percentage of the payment amount.
The payment providers that offer simple percentage pricing (eg. Square at 1.75% and SumUp at 1.69%) are able to do so because they insist on a minimum transaction amount of £1.
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@davidgerard @duncanlock @tante
Not really. In the UK, I pay a fixed % for tap-to-pay card transactions.SumUp charge as little as 0.99% whether you're charging £1 or £500. My corner shop prefers that I pay by card for a chocolate bar rather than a £20 note.
@Edent @davidgerard @duncanlock @tante SumUp's minimum payment amount in the UK is £1.
Their fees are rounded to a whole number of pennies per transaction using Banker's rounding (Round Half to Even).
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If you wanted to send me a monetary tip for my excellent Mastodon posts, which platform would you prefer to use?
(Please don't be a dick in the replies as a muting often ofends.)
@Edent Monzo are not bad for this.
e.g. https://pay.revk.uk
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What if Mastodon had this button?
(I am not involved in core development. This isn't an official proposal. I'm just noodling about with ideas. Don't shout at me in the comments or get weird.)
@Edent the internet would be a very different place if we could replace ads with micropayments
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@Edent Monzo are not bad for this.
e.g. https://pay.revk.uk
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@Edent @davidgerard @duncanlock @tante SumUp's minimum payment amount in the UK is £1.
Their fees are rounded to a whole number of pennies per transaction using Banker's rounding (Round Half to Even).
@davidgerard @duncanlock @tante @steve ah, I misread their developer documentation.
I don't know which merchant my greengrocer uses, but they're able to charge less than a quid.Of course, that's card-present. Looks like online payments still have a fixed fee overhead.
Thanks!
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@revk @dan
I've seen people sending messages over banking
https://shkspr.mobi/blog/2020/05/to-get-my-attention-pay-me/ -
@davidgerard @duncanlock @tante @steve ah, I misread their developer documentation.
I don't know which merchant my greengrocer uses, but they're able to charge less than a quid.Of course, that's card-present. Looks like online payments still have a fixed fee overhead.
Thanks!
@Edent The "traditional" card terminal providers like Barclaycard, Dojo, Worldpay and so on will have fee structures that incorporate a fixed "authorisation fee" and then a percentage of the payment which are likely to be different for each class of card (matrix of credit, debit, domestic, international, special case for Amex); they will happily process transactions that cost the merchant more than the transaction amount. They tend to pay out gross daily and then invoice fees monthly.
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@Edent The "traditional" card terminal providers like Barclaycard, Dojo, Worldpay and so on will have fee structures that incorporate a fixed "authorisation fee" and then a percentage of the payment which are likely to be different for each class of card (matrix of credit, debit, domestic, international, special case for Amex); they will happily process transactions that cost the merchant more than the transaction amount. They tend to pay out gross daily and then invoice fees monthly.
@Edent SumUp and Square pay out net daily. Stripe is the worst of both worlds; they pay out net daily but do have a flat fee plus percentage fee structure so it's possible for a small transaction to be completely eaten by fees.
(That's why, although Stripe have the best designed API for integration with POS systems, I don't support them in my POS system yet!)
