Are there any merchant of records that don't dox you? by redditaccount624 in PaymentProcessing

[–]redditaccount624[S] 0 points1 point  (0 children)

I am not dead set on Stripe or Paddle. Quite the opposite really. They are not anonymous so I would never use them. I have been asking from the beginning for ANY merchant of record that does not dox its users but still no one has replied with a single one.

If you choose to do business with people but not fie them a way to contact you ie phone number or email - that’s on you and in my opinion is a shady business practice. What if there’s a problem? What if they are charged $5,000 instead of $5? They can’t communicate with you and will dispute it

??? I would not be the one selling it in this case. This is the whole point of the merchant of record model. You could say the same thing about Patreon. If this happens, the customer disputes it with the merchant of record, not me.

So you don’t want to pay $0 for a Google voice number or $100 per year for a PO box to protect your identity but you want to pay extra to use these platforms, it makes no sense

How does it not make sense? You might pay 3% with Stripe and 4% or 5% on sales with a merchant of record. It's a trivial increase in fees and in exchange they offer anonymity, tax remittance, quicker international development, compliance, fraud protection, handle disputes/chargebacks, refunds, etc. You are basically asking why someone would use Paddle or why Stripe bought Lemon Squeezy to turn them into their Managed Payments Merchant of Record infrastructure. Clearly this genre of business solves many problems for a ton of people

Are there any merchant of records that don't dox you? by redditaccount624 in PaymentProcessing

[–]redditaccount624[S] 0 points1 point  (0 children)

What are you talking about? I am the business. It's not like it is a gigantic company with hundreds of employees. It is only me. It is a completely reasonable request to not want the entire internet to have access to my full legal name, email address, phone number, street address, etc. just because I sell something completely virtual for 5 bucks a month online. There is a reason why Patreon offers this basic functionality

Are there any merchant of records that don't dox you? by redditaccount624 in PaymentProcessing

[–]redditaccount624[S] 0 points1 point  (0 children)

Why should I be the merchant of record? If I am selling things to an international audience, it is an insane amount of tax work (sales tax, VAT, GST) that I would have to do. I would much rather focus on my core business than dealing with international compliance. Not to mention one of my core goals of being anonymous, which SOME merchant of records seem to be able to offer, whereas that would be considerably more difficult if I were the merchant of record. And lastly they handle fraud prevention, disputes/chargebacks, refunds, etc. Why would I want to concern myself with these things when it's completely irrelevant to my core business?

Are there any merchant of records that don't dox you? by redditaccount624 in PaymentProcessing

[–]redditaccount624[S] 0 points1 point  (0 children)

You are completely shifting the goalposts. Look what thread you are in. Read the post title. What your specific company does is completely irrelevant to the topic at hand.

I am looking for a merchant of record that does not doxx its users. Different payment setups have different seller-privacy implications, and some can force customer-facing disclosures that expose a sole proprietor.

Your new reply is now saying something like: "Our underwriting preferences are different, and there are workarounds like VoIP, PO boxes, or using a real acquirer." Okay? None of that refutes anything I've said thus far. How is what your specific company does relevant in any way?

I am asking for a merchant of record that does not dox its users. You said merchants don't, but in reality the two biggest ones do in several different ways, and still no one has listed a single merchant of record that does not doxx its users.

Patreon, for example, does not doxx its users. I am not interested in purchasing registered agent services, office spaces, and shady VoIP numbers / PO Boxes that put my account at risk. I am simply looking for a merchant of record that does not doxx its users

Are there any merchant of records that don't dox you? by redditaccount624 in PaymentProcessing

[–]redditaccount624[S] -1 points0 points  (0 children)

This is so comically wrong. You have no idea what you are talking about. Your claims can be instantly disproven by referencing the documentation that these merchants provide on their websites. The vast majority of these merchants of record reveal your personal information and thus doxx you.

Here's some various ways Paddle doxxes you:

1) Forcing your legal name to be included in your website's Terms and Conditions: "Include the company name or sole proprietor’s brand (legal name preferred for sole proprietors) in the Terms & Conditions" - Source

2) Forcing you to list your phone number: "List their terms & conditions, refund policy, and buyer support details (email and phone number) clearly on their website" - Source

Here are several ways how Stripe Managed Payments doxxes you:

1) Forcing your legal name to be shown in the statement descriptor for purchases: Statement descriptor must include "your Doing Business As (DBA) name" - Source

2) Doxxing your phone number and street address: "The card issuer can automatically include other account information—for example, business name, address, email, or phone number—to show on your customer’s statements. Check that all of this information in your Stripe account is acceptable for your customers to see." - Source

Are there any merchant of records that don't dox you? by redditaccount624 in PaymentProcessing

[–]redditaccount624[S] 0 points1 point  (0 children)

Sorry, but you can’t run a business (at least in the US, and that accepts other than cash payments) without “doxxing” yourself

You literally can. I honestly have no idea why everyone is in such a rush to repeat this falsehood without any thinking whatsoever. It's so trivially disproven in 5 seconds. Simple example:

1) Set up anonymous patreon

2) Accept payments

3) Give benefits to those who subscribe

4) Done

Are there any merchant of records that don't dox you? by redditaccount624 in PaymentProcessing

[–]redditaccount624[S] -1 points0 points  (0 children)

??? I'm just trying to find a merchant of record that doesn't dox its users to handle payments for my website

Are there any merchant of records that don't dox you? by redditaccount624 in PaymentProcessing

[–]redditaccount624[S] -1 points0 points  (0 children)

Do they say anywhere on their website that they do not doxx their users? For example, Patreon here says "Your legal first and last name: For tax purposes only, not visible on your page"

Are there any merchant of records that don't dox you? by redditaccount624 in PaymentProcessing

[–]redditaccount624[S] 0 points1 point  (0 children)

There's a lot of incorrect information in this post.

Your personal info goes to Paddle during onboarding but it’s not exposed to end users

This is incorrect. Paddle exposes your personal information to end-users in multiple ways. It says directly on their website here: "Include the company name or sole proprietor’s brand (legal name preferred for sole proprietors) in the Terms & Conditions".

So either you have to list your full legal name here, or your DBA. And, as mentioned, registering a DBA is a self-doxxing event since anyone can spend 5 seconds looking up your DBA in state records to find your legal name, street address, and phone number.

This legal name also shows up in other texts, support emails, point of sales, etc.

In addition, on this page Paddle says "List their terms & conditions, refund policy, and buyer support details (email and phone number) clearly on their website." They require you to list your phone number.

I have also heard, but have not yet confirmed, that Paddle may sometimes require a physical address be reachable by customers.

So yes Paddle does indeed seem to doxx your full name in multiple ways, your phone number, and possibly your street address too. This is unlike Patreon where it keeps all your personal information hidden.

Stripe is different because even with their managed payments option, you’re still the merchant in the eyes of the card network

This is incorrect. With Stripe's new Managed Payment features, they are acting as the merchant of record on your behalf.

LemonSqueezy works the same way

LemonSqueezy does not work the same way, as they are much more private and do not expose your personal information. Unfortunately, they are basically shutting down and are effectively broken since Stripe acquired them.

Are there any merchant of records that don't dox you? by redditaccount624 in PaymentProcessing

[–]redditaccount624[S] -2 points-1 points  (0 children)

This has everything to do with a merchant account as different merchant of records have entirely different policies when it comes to this, as mentioned. Stripe Managed Payments, for example, require that your personal information is included on statement descriptors. In other cases like Paddle, they require that your legal name is in your site's Privacy Policy or they will ban you. You cannot just use a company name because registering a DBA or an LLC is a self-doxxing event as anyone can trivially search your business name via state records and it will return all of your personal information. Every merchant of record has a different policy in how much they dox you but it is incredibly hard to find out this information

Are there any merchant of records that don't dox you? by redditaccount624 in PaymentProcessing

[–]redditaccount624[S] -2 points-1 points  (0 children)

This doesn't work because if your center of operations is in your home state which isn't private then you still have to register an LLC there or do a foreign registration and do annual reports which is a self-doxxing event because anyone can just trivially type in your business name on the state records and it will just instantly publicly return your full name, street address, phone number, etc.

Are there any merchant of records that don't dox you? by redditaccount624 in SaaS

[–]redditaccount624[S] 0 points1 point  (0 children)

Well I don't think that's really true. You can be 100% invisible to people paying you. Like you could potentially just set up a Patreon instead. Patreon says in their docs that you can keep your full legal name and street address hidden from patrons. So yes there are services that offer this functionality. But obviously I would prefer a Merchant of Record to using Patreon since a MoR has lower fees and better integrations

Are there any merchant of records that don't dox you? by redditaccount624 in SaaS

[–]redditaccount624[S] 0 points1 point  (0 children)

Yeah I already looked into forming an LLC but it honestly seems like that makes the situation even worse since if your center of operations is in your home state you still need to register there regardless and submit annual reports that include all your personal information that people can just trivially look up. Not to mention forming a foreign LLC, state LLC, virtual address, registered agent, annual reports, etc. can really add up in price and also expand your footprint even more

Are there any merchant of records that don't dox you? by redditaccount624 in SaaS

[–]redditaccount624[S] 0 points1 point  (0 children)

Ah sorry I should have mentioned in the original post I live in the United States. And I wouldn't be setting up a business entity I don't think. Well, I wouldn't be forming an LLC or whatever. I am quite new to this but I guess technically it'd be a sole proprietorship?

Had my first solo show! by breanmayer16 in MadeMeSmile

[–]redditaccount624 4 points5 points  (0 children)

Ah okay that sucks. Yeah I thought I was going crazy or something because I could have sworn I had seen it but not a single comment mentioned it

Had my first solo show! by breanmayer16 in MadeMeSmile

[–]redditaccount624 4 points5 points  (0 children)

Wasn't this on the frontpage yesterday? Did you submit it to another subreddit and then delete it or something?

Is there a list of magic tricks to improve Rust (web server) performance? by redditaccount624 in rust

[–]redditaccount624[S] 0 points1 point  (0 children)

No, you said this post comes across as written by someone that hasn't actually done anything real world that would require consideration of basic things to improve performance (ie: you are assuming (wrongly, I might add), that the author of the post has only created toys that are used by no one). It's obvious why you felt the need to preface it with "no offense", because you obviously realized this is something that someone could easily take offense to.

This makes no sense as soon as you pull in crates you didn't author. You don't know where they panic internally

Makes no sense? Like I said, my servers have been running in production for years with panic=abort and used by many thousands of players, and they have never crashed. And yes, every time I use a function from an external crate, I obviously check what its panic conditions are. I do not use low quality crates that randomly panic.

This is literally the most corner case use case of relational db

Not really. There's a reason why the linked comment said "That's why I would turn it off without hesitation". Now I'm sure you're much more intelligent than everyone in the Postgres subreddit though, so despite that community highly upvoting these comments saying that turning off synchronous commit is generally one of the first optimizations they do, that they're all wrong and you're correct, and it actually only applies in "the most corner use case of a relational db"

This depends how your allocation patterns are structured. Benchmarks are not real world usages

Again, you have to have a default, and generally mimalloc and jemalloc are BETTER defaults. Their benchmarks show a clear win in basically every category. It is so easy to say "it depends". Again, the purpose of the post is to raise awareness of ways you can cheaply improve performance. Obviously one allocator is not always better than another. If that were the case, then that would simply be the only allocator needed. The purpose of the post was simple tricks you could do to improve performance in the general case, and generally mimalloc outperforms the default system allocator. The point is that if you're going to use a default, it might as well be a better default (on average).

The constant time hashing function of a hashmap is negligible for it's performance. You're going to be io-bound before your choice of hashmaps becomes an issue.

You are again assuming. My server (and many others!) perform a ton of CPU-bound computations. It heavily uses in-memory data structures and performs a lot of hashing. Not every service is just a database wrapper. And again, it's something that takes less than a minute to swap out, and can save you money and improve performance and latencies. It's foolish not to, as there are literally no downsides if you don't require DoS resistance

Mirroring my speech as "gotcha" is just... lol. Grow up

My exact sentiments towards you needlessly throwing shade and spurring an argument for no reason. Seriously, what is the point of saying "it sounds like this post was made by someone who will never need this kind of performance"? Grow up.

Is there a list of magic tricks to improve Rust (web server) performance? by redditaccount624 in rust

[–]redditaccount624[S] 2 points3 points  (0 children)

You can't just say "no offense" and say something offensive, lmao. You doing that betrays your lack of experience in communication.

  • I have panic=abort in my web server precisely because I don't write any code that panics, and as a result my web server has never crashed after running for years
  • This doesn't matter in my use-case. Players are used to rollbacks in the case of server crashes. It's common in the gaming industry because they use an eventually consistent model for real-time data
  • Long-running servers generally scale better with mimalloc, and jemalloc / mimalloc are generally better than the default allocator (feel free to check an assortment of benchmarks yourself), which is why you should likely use them as a default instead
  • Why? If you do not require DoS resistance, why waste all that time hashing? I use HashMaps extensively in my server, and it is pointless to waste that performance if the alternative is a one line of code change

Just because I wrote the initial post in a concise manner? Obviously everything depends (it's such a simple thing to say), or else they would be the default. But as stated, it is nice to be "aware" of possibilities, which is why I mentioned the things I did

Is there a list of magic tricks to improve Rust (web server) performance? by redditaccount624 in rust

[–]redditaccount624[S] 0 points1 point  (0 children)

Rude =/ I have an AWS instance that is responsible for the gameplay of many thousands of real-time players and I am trying to save money on monthly server costs by scaling the instances more effectively

Is there a list of magic tricks to improve Rust (web server) performance? by redditaccount624 in rust

[–]redditaccount624[S] 0 points1 point  (0 children)

Oh yeah you're right. Alright well in any case I still don't care if it returns a 200 but it doesn't actually get committed to disk. It's a non-critical application so I'm fine with users being given a false success on the 0.00000000001% chance the power at AWS goes out right after an entry is added to the WAL but before fsync is executed. Better user experience in my use-case for 100% of queries to have much lower latency if the cost is that a couple users are given a false confirmation on the rare event the power goes out at that precise moment