On Tue, May 17, 2016 at 03:48:54PM -0400, Stephen Michel wrote: > To me, it seems like arrears is the clear superior option for MVP. Holding > funds adds significant legal complexity for what seems like a small benefit > -- and it's something that we could transition to later anyway. > > Imagine we're doing arrears, because that's the easier way. Then, because we > think the benefits of holding are worth it, we invest in a lawyer and figure > out a legal way to do it. It should be relatively easy to modify the > existing system to simply pay into the arrears system from the bank account > where we're holding funds instead of from a patron's own credit card. > > So we want to offer gift cards? Same deal, or we can partner with a bank > that already offers something like that (similar to > http://www.walmart.com/c/kp/visa-gift-cards -- but more morally palatable > than walmart :P). > > The only disadvantage I can see with arrears that absolutely could not be > worked around would be if no payment processor met our moral standards. > Except -- imagine in a few years when snowdrift.coop has become wildly > successful: maybe now it's time to start our own ethical payment processor > (or gnu taler, or ethereum/maidsafe as discussed elsewhere, is up and > running and stable/trusted). > > BOTTOM LINE: When comparing a thing that we know will work for us on launch > to a thing that needs further exploration, I need to pick the former.
This might be a case of "complicated for programmers" v. "complicated and expensive for lawyers". In that case, I would vote for the option that makes things complicated for the programmers, because it's much easier and less expensive. I actually have no idea how to actually go about arranging a transaction between any of these third-party payment systems, especially from a Haskell program. > BOTTOM LINE: When comparing a thing that we know will work for us on launch > to a thing that needs further exploration, I need to pick the former. All of these options need further exploration. None of them are very easy. > > Other bottom line: ----------------------------------- > _______________________________________________ > Discuss mailing list > Discuss@lists.snowdrift.coop > https://lists.snowdrift.coop/mailman/listinfo/discuss -- Peter Harpending <pe...@harpending.org>
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