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nohat00's comments

nohat00 | 4 years ago | on: As a solo developer, I decided to offer phone support (2017)

> It is a very American problem

This is laughable, as North America has the lowest chargeback rate of all the global regions. This is just biased and ignorant anecdata.

> It is only a problem in a society with a high level of crime and little or no consequences.

If you're going to make nasty anti-American claims, you should at least back it up with real data. The facts are that chargebacks are a bigger source of fraud loss outside of North America than inside it.

> Even if people did do so they would be punished quickly.

This is not how credit card fraud works.

nohat00 | 4 years ago | on: As a solo developer, I decided to offer phone support (2017)

According to Merchant Risk Council survey data[1], in 2021, friendly fraud in Europe was 1.3% (of transactions), 1.6% in Latin America, and 1.5% in APAC. In North America it was only 1.0%. So, it's actually a smaller problem in the US than in Europe and other global markets.

Further, "Annual Ecommerce Revenue Spent to Manage Payment Fraud" was 9% in Europe, 12% in Latin America, and 15% in APAC. It was only 5% in North America.

[1]: https://merchantriskcouncil.org/resource-center/surveys/2021...

nohat00 | 4 years ago | on: As a solo developer, I decided to offer phone support (2017)

This is exactly correct, and the parent's suggestion that the risk of chargebacks is something like 0.001% is WAAAAY off. Like, by orders of magnitude off. Any business that processes credit card transactions at scale, card present or card not present, is going to have a whole department of people who all they do all day long is deal with chargebacks.

It does seem like there are some people here who think they know how credit cards work but actually have no idea.

nohat00 | 4 years ago | on: As a solo developer, I decided to offer phone support (2017)

The actual risk of a merchant not receiving money for a credit card transaction is quite high. Chargebacks are enough of a business problem that many large retailers have whole teams only devoted to processing and disputing them. There are entire companies that create products and services to help merchants reduce just "friendly fraud" chargebacks—that is, chargebacks where the cardholder says the purchase wasn't authorized but they are just lying or it was a family member who made the purchase. That there are entire industries devoted to helping reduce it shows that the risk of chargebacks is definitely something that merchants take into account in how they run their businesses.

In case of a stolen credit card, it's 100% the merchant who pays (that's why they're called charge-"backs"). The only exceptions are if the transactions are indemnified by a third party partner.

All the card brands have multiple chargeback codes for fraudulent transactions, even card-present ones, so the fact that the credit card was physically present is not some kind of guarantee that the merchant would win a chargeback representment.

nohat00 | 8 years ago | on: Great Vowel Shift

Virtually every language that uses the Latin alphabet follows some version of this plan for spelling vowels, not just Germanic ones. There is a reason the International Phonetic Alphabet uses the 5 basic vowel symbols /a/, /e/, /i/, /o/, /u/ this way.

nohat00 | 8 years ago | on: The Economist house-price indices

It is unclear which definition of "San Francisco" they are using. Is it just the city of San Francisco, the San Francisco-Oakland-Hayward, CA Metropolitan Statistical Area, or the San Jose–San Francisco–Oakland, CA Combined Statistical Area? I would guess that since San Jose is not listed separately, they are using the CSA, which includes a lot of outlying areas.

nohat00 | 8 years ago | on: North American Regional Dialects and Accents (2016)

I call BS on the "don"/"dawn" isogloss on the SF peninsula. If it ever did exist, it certainly doesn't anymore. There are no cultural or social groupings along that isoglass that would justify how that line is shaped. Where your parents are from and your socioeconomic status to have way more influence on whether or not you have a "don"/"dawn" distinction than whether you are from San Mateo or San Carlos.

nohat00 | 10 years ago | on: Pedants' Favorite Grammar Rules are Probably Fake

There is such a thing as linguistic prescription, but there isn't really such a thing as "prescriptive linguistics". There are linguists, who study and describe language, and then there are people who promulgate their opinions about language. Opinion promulgators are not "prescriptive linguists" and what they practice is not "prescriptive linguistics".

nohat00 | 11 years ago | on: Transducers are coming to Clojure

... so 'macrology' means "use of macros" rather than "long and tedious talk without much substance"? Is this usage specific to Clojure, or to all languages that have macros? It seems like a pretty bizarre repurposing of a word that already has a very different meaning, and I wonder how widespread it is. Are we too late to stop it?

nohat00 | 11 years ago | on: Transducers are coming to Clojure

> "these transformers were never exposed a la carte, instead being encapsulated by the macrology of reducers."

What does 'macrology' mean in this context? Is this a common usage? Or a novel application of a word that ordinarily means "long and tedious talk without much substance"

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