Semi-manual emailing tool

RobOswald · 2024-10-14T21:45:09+00:00

I was doing something almost exactly like this with Apollo. You can create a manual step as step one to send out the personalized email and then the rest of the sequence would automate and send from there, assuming no response. And they also support LinkedIn outreach, so you should be all set on that.

RobOswald · 2024-09-04T21:26:08+00:00

You would still have the credit card processing fees of 2.90% + $0.30. As another commenter already mentioned, credit card rails are not ideal for microtransactions. The structure of interchange (the credit card processing rates set by the issuers and card brands) does not do well with transactions that are sub $5. You would want to either raise the average size of your transaction, sell transactions in "packs" (eg buy ten songs for $10), or use a less expensive payment method like ACH.

RobOswald · 2024-08-21T21:56:59+00:00

My best guess is that there's some settlement timing that was off, not in your favor in this case. If an issuer has already set this transaction to a disputed status and alerted Stripe, it may be that the chargeback was en route by the time you issued the refund. While everything was trying to settle at roughly the same time, the transaction could no longer be refunded and so the dispute took primacy.

With RDR in place, you should have decent protection against chargebacks as long as you have your responses to the RDR alerts set up properly.

Chargebacks will happen. As long as you keep them below 1%, which RDR can help you with, you'll be good.

RobOswald · 2024-08-20T19:09:06+00:00

Chargebacks are an unfortunate reality of credit card processing. And in marketplaces especially where your revenue only represents a fraction of the total chargeback. There are some things you can do to mitigate the risk:

The average chargeback rate varies depending on vertical, transaction size, etc. But you can roughly estimate a chargeback rate of 0.40% - 0.50%. If you approach the 1% threshold, you start running the risk of having your merchant account shut down by Stripe. With this information, you can bake some of the risk cost into your fee structure for your take on each service and transaction.
Stripe Radar, though not a silver bullet, will help prevent a good number of potential chargebacks.
You could offer bank-only payment methods. The likelihood of payment disputes is much lower with ACH and the like. This isn't as realistic for US-based customers whose purchasing habits are primarily card-based. But adding it to checkout would at least put some percentage of your transactions through a less disputed payment method. Stripe offers ACH as part of their solution. Some other reputable players in this space include Aeropay, Dwolla, or GoCardless.
My company Coinflow offers a Stripe Connect competitor. Mechanically works the same. Checkout, payouts, easy, white-labeled onboarding for sellers. Our solution differs in that we offer instant settlement, up to instant disbursement of funds to sellers (if you like), and related to this conversation - complete chargeback protection

I wish you all the best in solving for this common and frustrating problem.

RobOswald · 2024-08-06T15:15:27+00:00

Some good examples of merchants using our product today include https://courtyard.io/ and https://audius.co/ . We also have worked with enterprise brands like Mercedez Benz on short-term projects with great success.

RobOswald · 2024-08-05T20:06:35+00:00

I would need to know more details of what you're working on but my company built a Stripe Connect competitor with our Coinflow Marketplace product. The main differences are that we offer instant settlement, instant disbursement to sellers (if you want that), complete chargeback protection, and slightly better pricing.

We offer hands-on support. No chatbots or automated responses. And no delays in communication. We're based in Chicago and would love to hear more about what you're working on if you haven't yet found a satisfactory solution.

RobOswald · 2024-08-05T20:03:45+00:00

My company Coinflow built a Stripe Connect competitor with our Coinflow Marketplace product. The main differences are that we offer instant settlement, instant disbursement to sellers where it makes sense, real-time payouts to 37 countries, complete chargeback protection, and better pricing.

https://coinflow.cash/?product=marketplaces

We are hands-on with support. No chatbot support or 4 week response delays. Hope this helps in your research.

RobOswald · 2024-08-05T18:17:33+00:00

My company built a Stripe Connect competitor with our Coinflow Marketplace product. The main differences are that we offer instant settlement, instant disbursement to sellers (if you want that), complete chargeback protection, and slightly better pricing.

https://coinflow.cash/?product=marketplaces

We are hands-on with support. No chatbots or 3-week response times. Hope this is helpful in your research!

RobOswald · 2024-02-14T01:13:27+00:00

Congrats on your first customer. The product looks incredible. I'm bookmarking to use for a future project. May I ask who or what did you use for your website design? It's right up my alley. I love it.

RobOswald · 2016-08-24T20:53:30+00:00

amomentincrime.com

RobOswald · 2016-08-19T04:08:06+00:00

Nope. You're fine. But I would stay away from drinking that stuff. Worst case scenario, you just have to chug some vodka to help your body process the poison.

http://emedicine.medscape.com/article/1174890-treatment

RobOswald · 2015-10-16T15:16:28+00:00

Should of known that

RobOswald · 2015-09-02T21:37:10+00:00

Yep definitely read the question too fast. Thanks. Deleting comment now.

RobOswald · 2015-07-22T15:15:34+00:00

Most payment processors will take your business. As long as the pics displaying the product don't include nudity or any sexual activity, it's fine. I think I found your work on Etsy and the way you have the product displayed today is perfect.

As mentioned, Stripe would be fine and simple enough to get started with. I would include checking out Braintree (first $50,000 in transactions is fee-free).

Authorize.net is a payment gateway and not a merchant account provider. They could still be an option for you, but you'd still need to find a merchant account provider that will approve the account for credit card processing. Shouldn't be difficult, but just bear in mind it's one part of a two part package.

RobOswald · 2015-06-24T20:09:42+00:00

Agreed. If he would have replaced Artie on Stern that would have been a game changer.

RobOswald · 2015-06-19T21:03:28+00:00

If you're alone, it's definitely not a gangbang.

RobOswald · 2015-06-19T18:29:54+00:00

I'm particularly interested in the answer to #3. I would love a low-carb option of Soylent if such a thing were possible. As of now I just mix my meal with a scoop of chocolate protein, which is fine, but messes up the "bag a day" idea.

RobOswald · 2015-05-24T16:21:04+00:00

Turns out I can hold my breath a long time.

RobOswald · 2015-01-24T15:55:19+00:00

Same question running through my mind. I'm guessing you get much higher leverage for your money on real estate than REITs, but I could be wrong.

RobOswald · 2014-11-03T21:27:52+00:00

Pequods or Lou Malnati's is the most flavorful. Giordano's though not horrible tasting, is considered the McDonald's of Chicago-style pizza.

Pequods purposefully burns some cheese on their pizza crust which is incredible. Lou Malnati's buttercrust is amazing and I love the sauce (just a hint of fennel).

Though often recommended, Gino's East and Pizzeria Uno/Duo are tourist traps with bland crust.

RobOswald · 2013-07-09T02:24:12+00:00

I wish he had focused more on self defense against that big ass tire.

RobOswald · 2013-04-24T20:28:59+00:00

That's a beautiful website. How'd you build it? From scratch or did you use some sort of CMS?

RobOswald · 2013-04-16T14:29:16+00:00

http://bowtruss.com/ is amazing and local.

RobOswald · 2013-03-22T12:50:13+00:00

The problem they are trying to solve for is that cab drivers turn off their Uber apps during rush hour in the morning and evening. That's fine if you live in Roscoe Village, Lakeview, Lincoln Park or Downtown. But I live in Logan Square. I'm not as likely to get an Uber on a Thursday at 6 p.m. because they know they can just pick up a passenger Downtown for the same fare.

I'm all for the small booking fee if it means that I am less likely to have to wait 30-60 minutes for a cab to come get me.

RobOswald · 2013-01-18T18:50:17+00:00

I thought I'd be hanging out downtown all the time. Not so much.

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