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Cake day: December 29th, 2023

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  • visa have similar restrictions… the issue is that payment processor, merchant, card network, issuing bank, and acquiring bank (and a few more) are all different layers to facilitating a transaction… there are very few card networks in the world, and essentially people pay online using mostly either just visa or mastercard

    technically you could probably run a site that only accepts amex, diners club, jcb, discover, etc but it really wouldn’t go well: people want to whip out their card (often their only method of online payment) and just pay and go

    you’d also need to find a payment processor that would be comfortable taking on the risk of facilitating transactions around mastercard and visa… they might just cut them off from access to their network. sounds like extortion? yeah welcome to the world of banking, where in any other industry it’d be called a cartel

    making things even more difficult is that by law in the US payment processors must offer at least 3 (i think? it might be 2?) “routes” (these things aren’t always straight forward - sometimes there are multiple card networks involved), so you probably have to have a pretty mature payment processor because they’d have to accept several of the alternative card networks

    oh and you have to push various stats to the federal reserve which is a massive back and forth bureaucratic challenge even above the technical challenge of interfacing with some pretty awful systems. it often takes over a year to get things sorted unless you’re a “too big to fail” type customer

    there are a buuuuunch of other spanners that get thrown into the works, but i’m not sure where the NDA line hits so i’m gonna just leave it there and say trust me, payment processing (distinct from payment gateway) is an absolute nightmare mess










  • Pup Biru@aussie.zonetoMicroblog Memes@lemmy.worldtoot
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    5 days ago

    the most right wing people I know are PhD candidates in philosophy. They are huge proponents of the arts. They would argue that the anti-arts sentiment in the Republican Party today comes from their embrace of the working class and is not a traditional conservative value.

    i think that this comes down to terminology and communication… generally in the world today, “right wing” encompasses social and economic conservatism. when i say right wing (as an aussie), im talking about both the republican party, and the australian Liberal/national coalition (bearing in mind that the capital L liberal in their name means economic liberalism - aka libertarian)

    i agree with a lot of right wing values, BUT im much more left, because whilst i think that economy and currency are important to produce left wing (for everyone) values, it fails to account for negative externalities (which includes both social, and economic economic externalities… and honestly social negative externalities lead to economic externalities)

    “right wing” today in general communication, imo, means something different to what right wing meant during the french revolution

    Arts encompasses all of the subjects outside of STEM so STEAM just means “all subjects” which is not something you can focus on by definition.

    it doesn’t though… business (including both accounting and management), hospitality, trades, law, marketing, psych, teaching… i hesitate to include nursing but not medicine, but there’s a grey area there… and i didn’t even start to list trades and things in australia that aren’t “university” but covered by “TAFE”

    STEAM is almost… secondary value: by default (except tech and eng perhaps?) they don’t produce value, but are important precursors that feed INTO the other things. you have to value the precursors, else the other “value makers” don’t have a foundation


  • Pup Biru@aussie.zonetoMicroblog Memes@lemmy.worldtoot
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    5 days ago

    there’s a reason that the acronym is STEAM now. the arts are just as important as science, tech, engineering and maths (both for society and culture at large, but more specifically it’s been shown that music helps people with learning other academic concepts). the right sees the only value in society as that which produces direct economic value. it’s a right wing meme because it paints the arts as a waste of time, and economic management as important



  • Pup Biru@aussie.zonetoMicroblog Memes@lemmy.worldWhy is that?
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    5 days ago

    the absolutely wild thing about this is that australia is/was also complaining about a cost of living crisis, and our food is $ for $ roughly the same… as in our numeric value for food is the same - despite our currency being worth about 2/3 as much

    this doesn’t mean that australia has our cost of living crisis easy… it means that americas food prices are ultra fucked

    https://links.coles.com.au/hRXTKkT7aVb

    Coles No Added Hormone Beef 3 Star Regular Mince: $7/500g (1lb ~= 450g)

    (at time of writing, that beef in the photo costs about $10AUD/500g, or our beef mince costs $4.50USD)