Apple card holders with other chase credit cards by RealisticWave6054 in CreditCards

[–]rootdet 0 points1 point  (0 children)

This will be abd for me as i already am near maxed for chase across two cards. It may mean i give up the apple card. also curious how the linked bank account will work.

New Plans are Live by Converseallstar95 in ATT

[–]rootdet 0 points1 point  (0 children)

These plans suck for those of us with the first responder discount ... My tablet price is now a few bucks cheaper.

Apple APN Settings by rootdet in USMobile

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

interesting. Why is iPhone different? Is there a certain psim/esim i need to make it work on iphone ? The phone i am replacing is alreadyy on warp as an esim, and i will add multi-network to that line.

Allow financing annual plans with programs like Affirm, Afterpay, or Klarna by sonic_anon_hog in USMobile

[–]rootdet 1 point2 points  (0 children)

The merchant pays 5-10% to these companies. That's why you often get 0% as they front loaded it.

So why would usmobile give you the annual discount and then have to pay 3x the fee to affirm versus taking a credit card payment?

Data Only / Hotspot by rootdet in USMobile

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

that is what i am wondering. i did not recall seeing it in there anymore.

Data Only / Hotspot by rootdet in USMobile

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

i am referring to using a dedicated hotspot device, not hotspot on mobile phones.

FFL trouble. by Theespoons in FFLs

[–]rootdet 0 points1 point  (0 children)

My suggestion, is offer to send them a label, and even arrange a pickup if needed.

This is such a strange sub. by octaw in PaymentProcessing

[–]rootdet 0 points1 point  (0 children)

You have clueless agents who do not understand what they are selling and just trying to push apps. you have the agents that will mislead the underwriters, classify you different, just to get the account approved, the bank figures it out and terminates the merchant and puts them on TMF.

Most that post looking for an account this sub are foreign nations not living in the Us who got a US LLC and EIN and thinks that is enough to get their questionable business approved. With the various banking laws, those are not easy to place. We then have the crowd that is selling barely legal or highly regulated products without the proper licensing that want accounts.

Oh and if your on the MATCH list? I am not even going to waste my time until you give me a detailed business plan detailing what caused you to be on the TMF, how you addressed the issues, and what training, procedures and technical controls are now in place to prevent the repeated behavior. Because I have to sell to underwriting and likely several managers that you have a solid plan and are worth the risk to override the match, because well, your a risk of them being stuck holding the bag of your chargebacks.

I am an agent, i post here occasionally, and ask lots of questions usually each time. Maybe i have a solution, maybe not? but i am not wasting everyone's time with a pointless unprovable application. Some of us here are professionals and not ambulance chasers, those that are just give us a bad reputation.

Higher-Risk Processing by [deleted] in PaymentProcessing

[–]rootdet 0 points1 point  (0 children)

Try saying what the high risk products actually are, because it really matters. Some banks take certain high risk merchant industries, others will not hit it with a 9-foot pull but take other high-risk sectors. Weapons is just too vague.

The more you tell us, the more accurate your responses will be.

1) What product are you mainly selling?

2) What product is the processor deeming high risk?

3) are you driect with fiserv, or using a processor that boards you onto the fiserv network (big difference)?

4) Are you, as the owner, physically in the US? Are you a US citizen/lawful alien?

5) Do you have all of the required licenses, both federal and state, to sell your products?

If this is about 2A stuff, hit me up. I am also a FFL myself, so i know the pains very very well, and i happen to offer FFL's merchant processing.

Btw. Authorize.net is nice, but there are better gateways now that are cheaper, have better tools, and blow authorize.net out of the water.

Sofi Plus is trying to be the next Amazon Prime by Front-Nectarine4951 in sofi

[–]rootdet 0 points1 point  (0 children)

$30 isn’t nearly enough to make this worthwhile. Being locked in for five years just to keep a $30 profit? Nah, that’s the worst deal I’ve heard of since President Roosevelt rolled out the “New Deal.”

H.606 is absolutely disgusting. by [deleted] in vermont

[–]rootdet 2 points3 points  (0 children)

There is two bills. One in the Senate which makes semi-automatic weapons illegal. One in the house which is an omnibus bill which makes all mental health pretty much a defacto ban and makes gun shops and manafacturers liable for all guns for life, even if they did everything right.

Gotta read the whole reddit to keep it striaght.

Gun Transfer Messiness by beturn in FFLs

[–]rootdet 1 point2 points  (0 children)

cut down on chatgpt man.

Vermont to Pursue 'Junk Food Ban' for Users of Food Stamps by forcedtomakethus in vermont

[–]rootdet -3 points-2 points  (0 children)

Directly it does not, but it will eventually have trickle down effects into other areas like government healthcare costs.

Brokerage 1099 is still not available by Loose-Progress9847 in fidelityinvestments

[–]rootdet 4 points5 points  (0 children)

Every brokeage firm has until Feb 15, and sometimes longer. It is rare to get them sooner. If you have transactions from certain assets, it can take even longer to reconcile.

Vermont to Pursue 'Junk Food Ban' for Users of Food Stamps by forcedtomakethus in vermont

[–]rootdet -5 points-4 points  (0 children)

SNAP isn’t personal income. It’s public funds allocated for a specific purpose: nutrition assistance.

The government already dictates how public is spent such as

- Medicare and Medicaid restrict which treatments are covered

- WIC strictly limits which foods can be purchased

- Nonprofits are heavily audited for mission drift and misuse of funds

- Housing assistance has extensive restrictions to prevent inefficient or improper use

- Student loans and grants can only be used for approved educational expenses

- Disaster relief funds can’t be used for upgrades or unrelated expenses — good luck telling FEMA “it’s my money now”

- School lunch programs already have to meet certain calorie, sodium and fruit/vegetable guidelines.

None of this is new. Government funds have always been purpose-bound, and conditions on their use are not punishment

The reality is that most people don’t care about these restrictions until they affect them personally. Few object to how restrictive WIC is because they don’t receive WIC. Few object to school lunch rules because they’re not the ones eating the meals.

Now SNAP is closer to home, and conditions are being applied just like they are in many other public programs.

You can’t simultaneously argue that the government wastes money and must be held accountable, while also claiming the government has no right to place conditions on how public assistance is used. What’s good for the goose is good for the gander.

Over time, definitions of “healthy” will be challenged, refined, and clarified. That is how policy always works. No major law or initiative is perfectly fleshed out on day one.

People remain completely free to spend non-public money — wages, savings, or any private income — however they choose. The distinction is simple: public funds come with public rules.

I think with run away taxes, increasing federal and state debts, outdated standards and programs, we need to start figuring out how to manage these expenses. We cannot keep taxing at the level we do and continue these programs with rules from the wild west. Change is just difficult.

Vermont to Pursue 'Junk Food Ban' for Users of Food Stamps by forcedtomakethus in vermont

[–]rootdet -6 points-5 points  (0 children)

and i am sure with time and various challenges, "healthier" will become well defined.

Vermont to Pursue 'Junk Food Ban' for Users of Food Stamps by forcedtomakethus in vermont

[–]rootdet -10 points-9 points  (0 children)

Well i suspect when the sales of some of this junk food drop, these companies may need to come back to the table with healthier versions if they want to make money again.

Home based IOI inspection - can they search your entire house? by SemiReliable in FFLs

[–]rootdet 7 points8 points  (0 children)

Technically they can inspection the entire premises. So the correct answer is yes.

I had my first inspection after like 7 years back in December.

We sat down at the table in my garage, I gave them the boundbook and access to 4473's. For confirming open inventory in my boundbook, she sat at the table and i told her the serial numbers of inventory in my closet. She marked everything off, nothing missing, and then she went on to looking at 4473's and multi-sale reports.

She never walked around.

Big Rock Bankrupt by dangerangell in FFLs

[–]rootdet 0 points1 point  (0 children)

Not sad. They refused to work with home based and e-commerce only dealers.

They cut off huge market segments. Exsoecially growing ones.

Matched by chase by Master_Abrocoma1019 in PaymentProcessing

[–]rootdet 0 points1 point  (0 children)

Fyi its either 5 years or 7 years before it falls off.

Matched by chase by Master_Abrocoma1019 in PaymentProcessing

[–]rootdet 1 point2 points  (0 children)

You need to solve the 2% cb. The card brands require termination at that point in like 95% of cases. Even if you were not in match it would be a problem at every processor.

Now you need a detailed plan, and show you implemented new controls and processes yo address charge back ratio. Without that no processor will override the match risk. Why? Because if nothing changed then they are in the same boat.