kbfrombk
Junior Member
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October 2013
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Os Gemeos @99prints, by kbfrombk on Jan 31, 2014 22:08:04 GMT 1, It's nowhere near as simple as "calling the credit card company and make sure the refunds are processed". With respect, you clearly don't understand how the international banking system works during the transfer of funds from customer/customers bank/businesses bank/business. It can be a nightmare, one I've experienced it as both a customer and a business. To put it simply, just because a payment has left your credit card issuer or bank has no bearing whatsoever that the payment has been received at the other end. That's why PayPal works so well for retail, there are no links in the chain. It's nowhere near as simple as "calling the credit card company and make sure the refunds are processed". When I worked retail it was that simple. Even easier in that I could process returns through the terminal and provide confirmations for the customer. Worst case I called up the banking rep and they resolved it. I understand there is some work on the banks side but not for the merchant. Unless things have got more complicated for no reason. Even if it has then communicate what's going on with the customer. Were you selling $5,000 items retail? Internationally?
It's nowhere near as simple as "calling the credit card company and make sure the refunds are processed". With respect, you clearly don't understand how the international banking system works during the transfer of funds from customer/customers bank/businesses bank/business. It can be a nightmare, one I've experienced it as both a customer and a business. To put it simply, just because a payment has left your credit card issuer or bank has no bearing whatsoever that the payment has been received at the other end. That's why PayPal works so well for retail, there are no links in the chain. It's nowhere near as simple as "calling the credit card company and make sure the refunds are processed". When I worked retail it was that simple. Even easier in that I could process returns through the terminal and provide confirmations for the customer. Worst case I called up the banking rep and they resolved it. I understand there is some work on the banks side but not for the merchant. Unless things have got more complicated for no reason. Even if it has then communicate what's going on with the customer. Were you selling $5,000 items retail? Internationally?
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dvdasa
New Member
Posts โข 9
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April 2013
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Os Gemeos @99prints, by dvdasa on Jan 31, 2014 22:09:00 GMT 1, You should report fraud to your credit card. It would be easy to explain who in the right mind would pay $4500 for some print. ![:P](//storage.proboards.com/forum/images/smiley/tongue.png)
You should report fraud to your credit card. It would be easy to explain who in the right mind would pay $4500 for some print. ![:P](//storage.proboards.com/forum/images/smiley/tongue.png)
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mmmike
Junior Member
Posts โข 2,421
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March 2010
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Os Gemeos @99prints, by mmmike on Jan 31, 2014 22:10:42 GMT 1, Most refunds were smaller dollar amounts but yes international buyers. Please enlighten me, what additional steps is the merchant is required to take to process a $5,000 refund?
Most refunds were smaller dollar amounts but yes international buyers. Please enlighten me, what additional steps is the merchant is required to take to process a $5,000 refund?
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mmmike
Junior Member
Posts โข 2,421
Likes โข 759
March 2010
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Os Gemeos @99prints, by mmmike on Jan 31, 2014 22:17:53 GMT 1, When I worked retail it was that simple. Even easier in that I could process returns through the terminal and provide confirmations for the customer. Worst case I called up the banking rep and they resolved it. I understand there is some work on the banks side but not for the merchant. Unless things have got more complicated for no reason. Even if it has then communicate what's going on with the customer. A business can't refund a transaction it hasn't yet received nor had notification of. And even if they had, 99Prints aren't taking payments directly from customers, thereby cannot issue a refund via a terminal. How do they know who has paid and who hasn't without notification of the authorization? What about those who have been told the refunds would have been processed yesterday? Clearly they have the records. It is that complicated in 2014?
When I worked retail it was that simple. Even easier in that I could process returns through the terminal and provide confirmations for the customer. Worst case I called up the banking rep and they resolved it. I understand there is some work on the banks side but not for the merchant. Unless things have got more complicated for no reason. Even if it has then communicate what's going on with the customer. A business can't refund a transaction it hasn't yet received nor had notification of. And even if they had, 99Prints aren't taking payments directly from customers, thereby cannot issue a refund via a terminal. How do they know who has paid and who hasn't without notification of the authorization? What about those who have been told the refunds would have been processed yesterday? Clearly they have the records. It is that complicated in 2014?
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kbfrombk
Junior Member
Posts โข 2,073
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October 2013
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Os Gemeos @99prints, by kbfrombk on Jan 31, 2014 22:18:17 GMT 1, Most refunds were smaller dollar amounts but yes international buyers. Please enlighten me, what additional steps is the merchant is required to take to process a $5,000 refund? I don't know specifically and I don't really think the merchant has ANYthing to do actually; that's my entire point. I think it's pretty much OUT of their hands. 99Prints does not control how quickly and seamlessly/or not the funds are charged, cleared, delivered, cleared, posted, to their accounts.
Like I said it's COMPLETELY normal that a transaction like this would take more than THREE days to complete.
I know that for a fact.
I had a French client who needed to engage an $18,000 transfer from their bank in FRA to a B.O.A. here, and it literally took 11 days for it to clear enough to have certified checks drawn on her BOA account.
That's reality.
Most refunds were smaller dollar amounts but yes international buyers. Please enlighten me, what additional steps is the merchant is required to take to process a $5,000 refund? I don't know specifically and I don't really think the merchant has ANYthing to do actually; that's my entire point. I think it's pretty much OUT of their hands. 99Prints does not control how quickly and seamlessly/or not the funds are charged, cleared, delivered, cleared, posted, to their accounts. Like I said it's COMPLETELY normal that a transaction like this would take more than THREE days to complete.I know that for a fact.I had a French client who needed to engage an $18,000 transfer from their bank in FRA to a B.O.A. here, and it literally took 11 days for it to clear enough to have certified checks drawn on her BOA account. That's reality.
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Deleted
Posts โข 0
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January 1970
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Os Gemeos @99prints, by Deleted on Jan 31, 2014 22:23:17 GMT 1, Most refunds were smaller dollar amounts but yes international buyers. Please enlighten me, what additional steps is the merchant is required to take to process a $5,000 refund? I don't know specifically and I don't really think the merchant has ANYthing to do actually; that's my entire point. I think it's pretty much OUT of their hands. 99Prints does not control how quickly and seamlessly/or not the funds are charged, cleared, delivered, cleared, posted, to their accounts. Like I said it's COMPLETELY normal that a transaction like this would take more than THREE days to complete.I know that for a fact.I had a French client who needed to engage an $18,000 transfer from their bank in FRA to a B.O.A. here, and it literally took 11 days for it to clear enough to have certified checks drawn on her BOA account. That's reality. That's a bank account to bank account transfer happening through the SWIFT network. (Spot the guy who has designed payments systems.)
A card based payment goes Merchant to Acquirer to Issuer to Purchaser and back again in a few seconds. The Merchant then has confirmation of good funds from the Payments Network. Actual settlement of the funds into the Merchant account will depend upon their arrangements with their Acquirer, but no Merchant waits for settlement in to their account before fulfilling an order. The acknowledgement of good funds is all they need.
If anyone needs a Master class in Payment Networks, I can arrange something.
Most refunds were smaller dollar amounts but yes international buyers. Please enlighten me, what additional steps is the merchant is required to take to process a $5,000 refund? I don't know specifically and I don't really think the merchant has ANYthing to do actually; that's my entire point. I think it's pretty much OUT of their hands. 99Prints does not control how quickly and seamlessly/or not the funds are charged, cleared, delivered, cleared, posted, to their accounts. Like I said it's COMPLETELY normal that a transaction like this would take more than THREE days to complete.I know that for a fact.I had a French client who needed to engage an $18,000 transfer from their bank in FRA to a B.O.A. here, and it literally took 11 days for it to clear enough to have certified checks drawn on her BOA account. That's reality. That's a bank account to bank account transfer happening through the SWIFT network. (Spot the guy who has designed payments systems.) A card based payment goes Merchant to Acquirer to Issuer to Purchaser and back again in a few seconds. The Merchant then has confirmation of good funds from the Payments Network. Actual settlement of the funds into the Merchant account will depend upon their arrangements with their Acquirer, but no Merchant waits for settlement in to their account before fulfilling an order. The acknowledgement of good funds is all they need. If anyone needs a Master class in Payment Networks, I can arrange something.
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bmerel
New Member
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February 2012
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Deleted
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January 1970
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Os Gemeos @99prints, by Deleted on Jan 31, 2014 22:25:00 GMT 1, If you're a business, or pretend to be one which releases Euro 400K of prints in one hit then it's not unreasonable that you should have the infrastructure to deal with that? Looks like a bit of a shambles but then in the urban art world we should all be used to that? That said, perhaps the gallery realise that there are some who are not bothered about acquiring the print but more worried about the value of their art 'balance sheet', which says it all really? This is just silly though. you are demanding that all art be sold & distributed by some mega-conglomerate corporate company, but I contend I prefer the sort of "winging-it" style of J.R. (who is an artist, yes?) just tossing this together and getting it done himself (with whatever help he's got). Things haven't worked out for EVERYone, but hey it never would have if it were released by anywhere else either! And willnyc is already posting photos of his received print so I guess they succeeded rather wildly for SOME people...?? That's the thing. It's not a gallery! It's a completely spur-of-the-moment (but truly not because surely there was a bit of work put into previously setting it up, whether or not its up to your standards!) website that presumably J.R. helped set for the purpose of selling these prints for which there has been no precedent. Think we will have to agree to disagree on this one.
So you set up stall to take 400,000 euro of someone else's money in exchange for good and/or services and fuck that up? Imo, that's a disgrace. If you think that's ok just because you're dealing in urban art then we are poles apart.
There's bundles of comparables out there for selling high demand prints, just doesn't stack up to look for those if you are milking the demand.
If you're a business, or pretend to be one which releases Euro 400K of prints in one hit then it's not unreasonable that you should have the infrastructure to deal with that? Looks like a bit of a shambles but then in the urban art world we should all be used to that? That said, perhaps the gallery realise that there are some who are not bothered about acquiring the print but more worried about the value of their art 'balance sheet', which says it all really? This is just silly though. you are demanding that all art be sold & distributed by some mega-conglomerate corporate company, but I contend I prefer the sort of "winging-it" style of J.R. (who is an artist, yes?) just tossing this together and getting it done himself (with whatever help he's got). Things haven't worked out for EVERYone, but hey it never would have if it were released by anywhere else either! And willnyc is already posting photos of his received print so I guess they succeeded rather wildly for SOME people...?? That's the thing. It's not a gallery! It's a completely spur-of-the-moment (but truly not because surely there was a bit of work put into previously setting it up, whether or not its up to your standards!) website that presumably J.R. helped set for the purpose of selling these prints for which there has been no precedent. Think we will have to agree to disagree on this one. So you set up stall to take 400,000 euro of someone else's money in exchange for good and/or services and fuck that up? Imo, that's a disgrace. If you think that's ok just because you're dealing in urban art then we are poles apart. There's bundles of comparables out there for selling high demand prints, just doesn't stack up to look for those if you are milking the demand.
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kbfrombk
Junior Member
Posts โข 2,073
Likes โข 1,264
October 2013
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Os Gemeos @99prints, by kbfrombk on Jan 31, 2014 22:25:33 GMT 1, I don't know specifically and I don't really think the merchant has ANYthing to do actually; that's my entire point. I think it's pretty much OUT of their hands. 99Prints does not control how quickly and seamlessly/or not the funds are charged, cleared, delivered, cleared, posted, to their accounts. Like I said it's COMPLETELY normal that a transaction like this would take more than THREE days to complete.I know that for a fact.I had a French client who needed to engage an $18,000 transfer from their bank in FRA to a B.O.A. here, and it literally took 11 days for it to clear enough to have certified checks drawn on her BOA account. That's reality. That's a bank account to bank account transfer happening through the SWIFT network. (Spot the guy who has designed payments systems.) A card based payment goes Merchant to Acquirer to Issuer to Purchaser and back again in a few seconds. The Merchant then has confirmation of good funds from the Payments Network. Actual settlement of the funds into the Merchant account will depend upon their arrangements with their Acquirer, but no Merchant waits for settlement in to their account before fulfilling an order. The acknowledgement of good funds is all they need. If anyone needs a Master class in Payment Networks, I can arrange something. Right mine was meant to be a worst-case exemplar. PLease, can you opine whether this 3 day turnaround for concrete payment knowledge is completely outside the realm of feasibility?
I don't know specifically and I don't really think the merchant has ANYthing to do actually; that's my entire point. I think it's pretty much OUT of their hands. 99Prints does not control how quickly and seamlessly/or not the funds are charged, cleared, delivered, cleared, posted, to their accounts. Like I said it's COMPLETELY normal that a transaction like this would take more than THREE days to complete.I know that for a fact.I had a French client who needed to engage an $18,000 transfer from their bank in FRA to a B.O.A. here, and it literally took 11 days for it to clear enough to have certified checks drawn on her BOA account. That's reality. That's a bank account to bank account transfer happening through the SWIFT network. (Spot the guy who has designed payments systems.) A card based payment goes Merchant to Acquirer to Issuer to Purchaser and back again in a few seconds. The Merchant then has confirmation of good funds from the Payments Network. Actual settlement of the funds into the Merchant account will depend upon their arrangements with their Acquirer, but no Merchant waits for settlement in to their account before fulfilling an order. The acknowledgement of good funds is all they need. If anyone needs a Master class in Payment Networks, I can arrange something. Right mine was meant to be a worst-case exemplar. PLease, can you opine whether this 3 day turnaround for concrete payment knowledge is completely outside the realm of feasibility?
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Deleted
Posts โข 0
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January 1970
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Os Gemeos @99prints, by Deleted on Jan 31, 2014 22:28:48 GMT 1, I don't know specifically and I don't really think the merchant has ANYthing to do actually; that's my entire point. I think it's pretty much OUT of their hands. 99Prints does not control how quickly and seamlessly/or not the funds are charged, cleared, delivered, cleared, posted, to their accounts. Like I said it's COMPLETELY normal that a transaction like this would take more than THREE days to complete.I know that for a fact.I had a French client who needed to engage an $18,000 transfer from their bank in FRA to a B.O.A. here, and it literally took 11 days for it to clear enough to have certified checks drawn on her BOA account. That's reality. That's a bank account to bank account transfer happening through the SWIFT network. (Spot the guy who has designed payments systems.) A card based payment goes Merchant to Acquirer to Issuer to Purchaser and back again in a few seconds. The Merchant then has confirmation of good funds from the Payments Network. Actual settlement of the funds into the Merchant account will depend upon their arrangements with their Acquirer, but no Merchant waits for settlement in to their account before fulfilling an order. The acknowledgement of good funds is all they need. If anyone needs a Master class in Payment Networks, I can arrange something. Nerd alert! ![8-)](//storage.proboards.com/forum/images/smiley/cool.png)
If ordering from abroad and you get refunded, do you pay both sides of the foreign exchange spread? No print. refund and a loss?
I don't know specifically and I don't really think the merchant has ANYthing to do actually; that's my entire point. I think it's pretty much OUT of their hands. 99Prints does not control how quickly and seamlessly/or not the funds are charged, cleared, delivered, cleared, posted, to their accounts. Like I said it's COMPLETELY normal that a transaction like this would take more than THREE days to complete.I know that for a fact.I had a French client who needed to engage an $18,000 transfer from their bank in FRA to a B.O.A. here, and it literally took 11 days for it to clear enough to have certified checks drawn on her BOA account. That's reality. That's a bank account to bank account transfer happening through the SWIFT network. (Spot the guy who has designed payments systems.) A card based payment goes Merchant to Acquirer to Issuer to Purchaser and back again in a few seconds. The Merchant then has confirmation of good funds from the Payments Network. Actual settlement of the funds into the Merchant account will depend upon their arrangements with their Acquirer, but no Merchant waits for settlement in to their account before fulfilling an order. The acknowledgement of good funds is all they need. If anyone needs a Master class in Payment Networks, I can arrange something. Nerd alert! ![8-)](//storage.proboards.com/forum/images/smiley/cool.png) If ordering from abroad and you get refunded, do you pay both sides of the foreign exchange spread? No print. refund and a loss?
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Deleted
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January 1970
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Os Gemeos @99prints, by Deleted on Jan 31, 2014 22:30:27 GMT 1, That's a bank account to bank account transfer happening through the SWIFT network. (Spot the guy who has designed payments systems.) A card based payment goes Merchant to Acquirer to Issuer to Purchaser and back again in a few seconds. The Merchant then has confirmation of good funds from the Payments Network. Actual settlement of the funds into the Merchant account will depend upon their arrangements with their Acquirer, but no Merchant waits for settlement in to their account before fulfilling an order. The acknowledgement of good funds is all they need. If anyone needs a Master class in Payment Networks, I can arrange something. Right mine was meant to be a worst-case exemplar. PLease, can you opine whether this 3 day turnaround for concrete payment knowledge is completely outside the realm of feasibility? For any well run business, it is a joke. If you were at the checkout in Tesco's and when you paid they said they won't know whether you have or not for three days, you'd laugh your head off. Using a Payment Scheme branded card (VISA, MasterCard, Amex etc.) it is no different over the telephone or on-line.
If I was looking for a systemic problem their end, I would guess that their website wasn't built properly and they have lost data integrity. Maybe they can't match each order to its payment? Only a guess. I may be way off. Maybe they are just inept.
That's a bank account to bank account transfer happening through the SWIFT network. (Spot the guy who has designed payments systems.) A card based payment goes Merchant to Acquirer to Issuer to Purchaser and back again in a few seconds. The Merchant then has confirmation of good funds from the Payments Network. Actual settlement of the funds into the Merchant account will depend upon their arrangements with their Acquirer, but no Merchant waits for settlement in to their account before fulfilling an order. The acknowledgement of good funds is all they need. If anyone needs a Master class in Payment Networks, I can arrange something. Right mine was meant to be a worst-case exemplar. PLease, can you opine whether this 3 day turnaround for concrete payment knowledge is completely outside the realm of feasibility? For any well run business, it is a joke. If you were at the checkout in Tesco's and when you paid they said they won't know whether you have or not for three days, you'd laugh your head off. Using a Payment Scheme branded card (VISA, MasterCard, Amex etc.) it is no different over the telephone or on-line. If I was looking for a systemic problem their end, I would guess that their website wasn't built properly and they have lost data integrity. Maybe they can't match each order to its payment? Only a guess. I may be way off. Maybe they are just inept.
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Manty
New Member
Posts โข 956
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May 2013
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Os Gemeos @99prints, by Manty on Jan 31, 2014 22:30:39 GMT 1, That's a bank account to bank account transfer happening through the SWIFT network. (Spot the guy who has designed payments systems.) A card based payment goes Merchant to Acquirer to Issuer to Purchaser and back again in a few seconds. The Merchant then has confirmation of good funds from the Payments Network. Actual settlement of the funds into the Merchant account will depend upon their arrangements with their Acquirer, but no Merchant waits for settlement in to their account before fulfilling an order. The acknowledgement of good funds is all they need. If anyone needs a Master class in Payment Networks, I can arrange something. Nerd alert! ![8-)](//storage.proboards.com/forum/images/smiley/cool.png) If ordering from abroad and you get refunded, do you pay both sides of the foreign exchange spread? No print. refund and a loss? I remember Faile hits and crashes. I got refunded but was light by ยฃ80. I asked Faile if they considered it fair, and they kindly paid the exchange hit I took
That's a bank account to bank account transfer happening through the SWIFT network. (Spot the guy who has designed payments systems.) A card based payment goes Merchant to Acquirer to Issuer to Purchaser and back again in a few seconds. The Merchant then has confirmation of good funds from the Payments Network. Actual settlement of the funds into the Merchant account will depend upon their arrangements with their Acquirer, but no Merchant waits for settlement in to their account before fulfilling an order. The acknowledgement of good funds is all they need. If anyone needs a Master class in Payment Networks, I can arrange something. Nerd alert! ![8-)](//storage.proboards.com/forum/images/smiley/cool.png) If ordering from abroad and you get refunded, do you pay both sides of the foreign exchange spread? No print. refund and a loss? I remember Faile hits and crashes. I got refunded but was light by ยฃ80. I asked Faile if they considered it fair, and they kindly paid the exchange hit I took
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Deleted
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January 1970
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Os Gemeos @99prints, by Deleted on Jan 31, 2014 22:33:12 GMT 1, That's a bank account to bank account transfer happening through the SWIFT network. (Spot the guy who has designed payments systems.) A card based payment goes Merchant to Acquirer to Issuer to Purchaser and back again in a few seconds. The Merchant then has confirmation of good funds from the Payments Network. Actual settlement of the funds into the Merchant account will depend upon their arrangements with their Acquirer, but no Merchant waits for settlement in to their account before fulfilling an order. The acknowledgement of good funds is all they need. If anyone needs a Master class in Payment Networks, I can arrange something. Nerd alert! ![8-)](//storage.proboards.com/forum/images/smiley/cool.png) If ordering from abroad and you get refunded, do you pay both sides of the foreign exchange spread? No print. refund and a loss? Who are you calling a nerd! ![:)](//storage.proboards.com/forum/images/smiley/smiley.png)
Re refunds, it depends how the refund is processed... It's a minefield.
That's a bank account to bank account transfer happening through the SWIFT network. (Spot the guy who has designed payments systems.) A card based payment goes Merchant to Acquirer to Issuer to Purchaser and back again in a few seconds. The Merchant then has confirmation of good funds from the Payments Network. Actual settlement of the funds into the Merchant account will depend upon their arrangements with their Acquirer, but no Merchant waits for settlement in to their account before fulfilling an order. The acknowledgement of good funds is all they need. If anyone needs a Master class in Payment Networks, I can arrange something. Nerd alert! ![8-)](//storage.proboards.com/forum/images/smiley/cool.png) If ordering from abroad and you get refunded, do you pay both sides of the foreign exchange spread? No print. refund and a loss? Who are you calling a nerd! ![:)](//storage.proboards.com/forum/images/smiley/smiley.png) Re refunds, it depends how the refund is processed... It's a minefield.
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Manty
New Member
Posts โข 956
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May 2013
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Os Gemeos @99prints, by Manty on Jan 31, 2014 22:35:18 GMT 1, I don't know specifically and I don't really think the merchant has ANYthing to do actually; that's my entire point. I think it's pretty much OUT of their hands. 99Prints does not control how quickly and seamlessly/or not the funds are charged, cleared, delivered, cleared, posted, to their accounts. Like I said it's COMPLETELY normal that a transaction like this would take more than THREE days to complete.I know that for a fact.I had a French client who needed to engage an $18,000 transfer from their bank in FRA to a B.O.A. here, and it literally took 11 days for it to clear enough to have certified checks drawn on her BOA account. That's reality. That's a bank account to bank account transfer happening through the SWIFT network. (Spot the guy who has designed payments systems.) A card based payment goes Merchant to Acquirer to Issuer to Purchaser and back again in a few seconds. The Merchant then has confirmation of good funds from the Payments Network. Actual settlement of the funds into the Merchant account will depend upon their arrangements with their Acquirer, but no Merchant waits for settlement in to their account before fulfilling an order. The acknowledgement of good funds is all they need. If anyone needs a Master class in Payment Networks, I can arrange something. Am I right in thinking that a new or smallish business has to wait around a week before a card payment is cleared into their account? (as in able to take the equivalent out in cash if they wanted?)
I don't know specifically and I don't really think the merchant has ANYthing to do actually; that's my entire point. I think it's pretty much OUT of their hands. 99Prints does not control how quickly and seamlessly/or not the funds are charged, cleared, delivered, cleared, posted, to their accounts. Like I said it's COMPLETELY normal that a transaction like this would take more than THREE days to complete.I know that for a fact.I had a French client who needed to engage an $18,000 transfer from their bank in FRA to a B.O.A. here, and it literally took 11 days for it to clear enough to have certified checks drawn on her BOA account. That's reality. That's a bank account to bank account transfer happening through the SWIFT network. (Spot the guy who has designed payments systems.) A card based payment goes Merchant to Acquirer to Issuer to Purchaser and back again in a few seconds. The Merchant then has confirmation of good funds from the Payments Network. Actual settlement of the funds into the Merchant account will depend upon their arrangements with their Acquirer, but no Merchant waits for settlement in to their account before fulfilling an order. The acknowledgement of good funds is all they need. If anyone needs a Master class in Payment Networks, I can arrange something. Am I right in thinking that a new or smallish business has to wait around a week before a card payment is cleared into their account? (as in able to take the equivalent out in cash if they wanted?)
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Wearology
Junior Member
![*](//storage.proboards.com/forum/images/stars/star_silver.png)
Staff at FatFreeArt
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April 2008
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Os Gemeos @99prints, by Wearology on Jan 31, 2014 22:39:05 GMT 1, I am making so many friends on the forum today : )
I am making so many friends on the forum today : )
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Deleted
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January 1970
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Os Gemeos @99prints, by Deleted on Jan 31, 2014 22:39:34 GMT 1, That's a bank account to bank account transfer happening through the SWIFT network. (Spot the guy who has designed payments systems.) A card based payment goes Merchant to Acquirer to Issuer to Purchaser and back again in a few seconds. The Merchant then has confirmation of good funds from the Payments Network. Actual settlement of the funds into the Merchant account will depend upon their arrangements with their Acquirer, but no Merchant waits for settlement in to their account before fulfilling an order. The acknowledgement of good funds is all they need. If anyone needs a Master class in Payment Networks, I can arrange something. Am I right in thinking that a new or smallish business has to wait around a week before a card payment is cleared into their account? (as in able to take the equivalent out in cash if they wanted?) That might well be the case for smaller organisations who don't have the clout to negotiate better terms. (E.g., I would be surprised if Tesco have to wait that long.) The same is true of the fees they get charged. As in a lot of businesses, those that buy in bulk get the discounts and can demand the better quality product.
That's a bank account to bank account transfer happening through the SWIFT network. (Spot the guy who has designed payments systems.) A card based payment goes Merchant to Acquirer to Issuer to Purchaser and back again in a few seconds. The Merchant then has confirmation of good funds from the Payments Network. Actual settlement of the funds into the Merchant account will depend upon their arrangements with their Acquirer, but no Merchant waits for settlement in to their account before fulfilling an order. The acknowledgement of good funds is all they need. If anyone needs a Master class in Payment Networks, I can arrange something. Am I right in thinking that a new or smallish business has to wait around a week before a card payment is cleared into their account? (as in able to take the equivalent out in cash if they wanted?) That might well be the case for smaller organisations who don't have the clout to negotiate better terms. (E.g., I would be surprised if Tesco have to wait that long.) The same is true of the fees they get charged. As in a lot of businesses, those that buy in bulk get the discounts and can demand the better quality product.
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Manty
New Member
Posts โข 956
Likes โข 574
May 2013
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Os Gemeos @99prints, by Manty on Jan 31, 2014 22:44:54 GMT 1, I am making so many friends on the forum today : )
hey don't worry, you have your hard hat on
I am making so many friends on the forum today : ) hey don't worry, you have your hard hat on
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Gard
Junior Member
Posts โข 1,604
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June 2012
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Os Gemeos @99prints, by Gard on Jan 31, 2014 22:47:24 GMT 1, I think 99prints didn't dream of this scenario happening and they are having huge headache about it now. So instead of focusing all their manpower to fix one by one case they want to get the prints out as fast as possible so those who have already paid gets their prints and that "problem" is out of their way. Then they can start looking at the rest of their problems. As most of us has experienced there has been a lot of bad communication around bad drops, since no one has solved how to do high demand online drops yet. I read somewhere that some had sent 4-5 emails about it, if that was me they would be last in line to get their problem fixed. No one likes a nag.
I think 99prints didn't dream of this scenario happening and they are having huge headache about it now. So instead of focusing all their manpower to fix one by one case they want to get the prints out as fast as possible so those who have already paid gets their prints and that "problem" is out of their way. Then they can start looking at the rest of their problems. As most of us has experienced there has been a lot of bad communication around bad drops, since no one has solved how to do high demand online drops yet. I read somewhere that some had sent 4-5 emails about it, if that was me they would be last in line to get their problem fixed. No one likes a nag.
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kbfrombk
Junior Member
Posts โข 2,073
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October 2013
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Os Gemeos @99prints, by kbfrombk on Jan 31, 2014 22:53:44 GMT 1, For any well run business, it is a joke. If you were at the checkout in Tesco's and when you paid they said they won't know whether you have or not for three days, you'd laugh your head off. Using a Payment Scheme branded card (VISA, MasterCard, Amex etc.) it is no different over the telephone or on-line. If I was looking for a systemic problem their end, I would guess that their website wasn't built properly and they have lost data integrity. Maybe they can't match each order to its payment? Only a guess. I may be way off. Maybe they are just inept. I'm thinking you could be spot on here. I've spent the last 10 minutes chatting to a friend of mine who carted and purchased the print, only receive an email two days later from 99Prints stating, "We have an issue with your payment by American Express. Our bank does not allow the transfer and AMEX France can't track it. Could you please send us the transaction number from your AMEX account or even from your bank account if you have one ? Until then we can't process your order." I should add that he replied, promptly and politely with the requested information, and will receive his print presently. That is nice to hear! Mazel to your friend, a prompt and polite friend.
For any well run business, it is a joke. If you were at the checkout in Tesco's and when you paid they said they won't know whether you have or not for three days, you'd laugh your head off. Using a Payment Scheme branded card (VISA, MasterCard, Amex etc.) it is no different over the telephone or on-line. If I was looking for a systemic problem their end, I would guess that their website wasn't built properly and they have lost data integrity. Maybe they can't match each order to its payment? Only a guess. I may be way off. Maybe they are just inept. I'm thinking you could be spot on here. I've spent the last 10 minutes chatting to a friend of mine who carted and purchased the print, only receive an email two days later from 99Prints stating, "We have an issue with your payment by American Express. Our bank does not allow the transfer and AMEX France can't track it. Could you please send us the transaction number from your AMEX account or even from your bank account if you have one ? Until then we can't process your order." I should add that he replied, promptly and politely with the requested information, and will receive his print presently. That is nice to hear! Mazel to your friend, a prompt and polite friend.
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Os Gemeos @99prints, by rottenredrooster on Jan 31, 2014 22:57:54 GMT 1, I think 99prints didn't dream of this scenario happening and they are having huge headache about it now. So instead of focusing all their manpower to fix one by one case they want to get the prints out as fast as possible so those who have already paid gets their prints and that "problem" is out of their way. Then they can start looking at the rest of their problems. As most of us has experienced there has been a lot of bad communication around bad drops, since no one has solved how to do high demand online drops yet. I read somewhere that some had sent 4-5 emails about it, if that was me they would be last in line to get their problem fixed. No one likes a nag. My emails were initially regarding the non-confirmation/complete lack of acknowledgement that I purchased an item. Right down to it not appearing on my account with 99prints that I signed up for. When I finally got a response, I was told it's 'not their responsibility'. A poor choice of words; silence soon followed. The silence broke when they either have found out that they have received the payment/that numerous people have this issue. I was told they were then sending the funds back to me today. The first email I received was a cause for concern - The claim that they have no record of any purchase or any idea where the funds have gone to.
I have just looked again - the initial claim was that the funds were not forwarded to them by the bank. This confused me - I called my bank as well as checked my online bank to see that the funds has gone to the company.
I think 99prints didn't dream of this scenario happening and they are having huge headache about it now. So instead of focusing all their manpower to fix one by one case they want to get the prints out as fast as possible so those who have already paid gets their prints and that "problem" is out of their way. Then they can start looking at the rest of their problems. As most of us has experienced there has been a lot of bad communication around bad drops, since no one has solved how to do high demand online drops yet. I read somewhere that some had sent 4-5 emails about it, if that was me they would be last in line to get their problem fixed. No one likes a nag. My emails were initially regarding the non-confirmation/complete lack of acknowledgement that I purchased an item. Right down to it not appearing on my account with 99prints that I signed up for. When I finally got a response, I was told it's 'not their responsibility'. A poor choice of words; silence soon followed. The silence broke when they either have found out that they have received the payment/that numerous people have this issue. I was told they were then sending the funds back to me today. The first email I received was a cause for concern - The claim that they have no record of any purchase or any idea where the funds have gone to. I have just looked again - the initial claim was that the funds were not forwarded to them by the bank. This confused me - I called my bank as well as checked my online bank to see that the funds has gone to the company.
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Os Gemeos @99prints, by rottenredrooster on Jan 31, 2014 23:06:13 GMT 1, I question how relaxed some of you would be if you were receiving the same kind of treatment. People aren't being overly sensitive, and the price tag does play in to it, whether you like it or not. These guys sold half a million dollars worth of prints in half an hour, the least they could do is spend a thousand bucks, and have a few customer service reps to manage any issues for the following two days. It's not even case of that. I don't know how many emails they received, a thousand, max, maybe?
I deal and respond to upward of a hundred emails some days. All with different queries.
If there's a known problem which was supposedly a 'bank crash' (that's what I was told), just put a notice on your website. Job done. Leaving people in the dark and stating it's not your responsibility isn't the way to go. It makes people anxious and rightly so.
I question how relaxed some of you would be if you were receiving the same kind of treatment. People aren't being overly sensitive, and the price tag does play in to it, whether you like it or not. These guys sold half a million dollars worth of prints in half an hour, the least they could do is spend a thousand bucks, and have a few customer service reps to manage any issues for the following two days. It's not even case of that. I don't know how many emails they received, a thousand, max, maybe? I deal and respond to upward of a hundred emails some days. All with different queries. If there's a known problem which was supposedly a 'bank crash' (that's what I was told), just put a notice on your website. Job done. Leaving people in the dark and stating it's not your responsibility isn't the way to go. It makes people anxious and rightly so.
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dreadnatty
Junior Member
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February 2013
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Os Gemeos @99prints, by dreadnatty on Jan 31, 2014 23:06:58 GMT 1, I am making so many friends on the forum today : ) Just tuck in to the turtle shell J ![;)](//storage.proboards.com/forum/images/smiley/wink.png)
I am making so many friends on the forum today : ) Just tuck in to the turtle shell J ![;)](//storage.proboards.com/forum/images/smiley/wink.png)
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dreadnatty
Junior Member
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February 2013
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Os Gemeos @99prints, by dreadnatty on Jan 31, 2014 23:09:43 GMT 1, Wonder if this couldve been avoided if they had done a lottery?
Wonder if this couldve been avoided if they had done a lottery?
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Deleted
Posts โข 0
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January 1970
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Os Gemeos @99prints, by Deleted on Jan 31, 2014 23:12:28 GMT 1, I question how relaxed some of you would be if you were receiving the same kind of treatment. People aren't being overly sensitive, and the price tag does play in to it, whether you like it or not. These guys sold half a million dollars worth of prints in half an hour, the least they could do is spend a thousand bucks, and have a few customer service reps to manage any issues for the following two days. It's not even case of that. I don't know how many emails they received, a thousand, max, maybe? I deal and respond to upward of a hundred emails some days. All with different queries. If there's a known problem which was supposedly a 'bank crash' (that's what I was told), just put a notice on your website. Job done. Leaving people in the dark and stating it's not your responsibility isn't the way to go. It makes people anxious and rightly so.
A bank crash???
Well, in that case, we are all screwed.
Run for the hills and hoard baked beans.
I question how relaxed some of you would be if you were receiving the same kind of treatment. People aren't being overly sensitive, and the price tag does play in to it, whether you like it or not. These guys sold half a million dollars worth of prints in half an hour, the least they could do is spend a thousand bucks, and have a few customer service reps to manage any issues for the following two days. It's not even case of that. I don't know how many emails they received, a thousand, max, maybe? I deal and respond to upward of a hundred emails some days. All with different queries. If there's a known problem which was supposedly a 'bank crash' (that's what I was told), just put a notice on your website. Job done. Leaving people in the dark and stating it's not your responsibility isn't the way to go. It makes people anxious and rightly so. A bank crash??? Well, in that case, we are all screwed. Run for the hills and hoard baked beans.
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tommyb
New Member
Posts โข 334
Likes โข 139
March 2013
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Os Gemeos @99prints, by tommyb on Jan 31, 2014 23:14:51 GMT 1, Wonder if this couldve been avoided if they had done a lottery? A lottery of 99 wouldn't work if the secret price is 4K when 1000s would have signed up for it, the emails would be going round for weeks.
Wonder if this couldve been avoided if they had done a lottery? A lottery of 99 wouldn't work if the secret price is 4K when 1000s would have signed up for it, the emails would be going round for weeks.
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Os Gemeos @99prints, by rottenredrooster on Jan 31, 2014 23:15:55 GMT 1, It's not even case of that. I don't know how many emails they received, a thousand, max, maybe? I deal and respond to upward of a hundred emails some days. All with different queries. If there's a known problem which was supposedly a 'bank crash' (that's what I was told), just put a notice on your website. Job done. Leaving people in the dark and stating it's not your responsibility isn't the way to go. It makes people anxious and rightly so. A bank crash??? Well, in that case, we are all screwed. Run for the hills and hoard baked beans. Too late to start running, you'd be shot by those already there.
It's not even case of that. I don't know how many emails they received, a thousand, max, maybe? I deal and respond to upward of a hundred emails some days. All with different queries. If there's a known problem which was supposedly a 'bank crash' (that's what I was told), just put a notice on your website. Job done. Leaving people in the dark and stating it's not your responsibility isn't the way to go. It makes people anxious and rightly so. A bank crash??? Well, in that case, we are all screwed. Run for the hills and hoard baked beans. Too late to start running, you'd be shot by those already there.
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Deleted
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January 1970
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Os Gemeos @99prints, by Deleted on Jan 31, 2014 23:22:31 GMT 1, I would hate to be on the wrong side of this forum, it seems most expect 5 start treatment and demand small businesses be to there standard. Im not condoning any of the goings on just observing how demanding many of you are. I can understand the stress of not getting the print plays into the frustration, but I have dealt with the french before and I am not sure they have the same mentality or care for customer service as maybe americans or brits. Im generalizing, but I could see the print shop getting to emails when they get to them and dealing with this at their own pace. I am sure they will learn to better staff themselves for future large releases, but you have to think its a learning experience. Obviously you cant believe they would intentionally try to rip you off or hold your money on purpose, like others stated its pretty obvious they are sorting things at their leisure which isnt good enough for most of you. I would be very scared of this forum if i were a small business haha. I think there's been a seismic shift the last few years in the UK's attitude to "customer service". I think when vast swathes of society are disempowered politically and economically, particular those who traditionally had "spending power", then they try and regain that power by being more demanding with merchants. Where once people rebelled against being defined as a "consumer", it's now become a kind of last gasp status. I am a consumer, I demand good customer service.
NB : Not completely related to the Os G mess which does sound like a bit of a fuck up, just a general feeling I have.
I would hate to be on the wrong side of this forum, it seems most expect 5 start treatment and demand small businesses be to there standard. Im not condoning any of the goings on just observing how demanding many of you are. I can understand the stress of not getting the print plays into the frustration, but I have dealt with the french before and I am not sure they have the same mentality or care for customer service as maybe americans or brits. Im generalizing, but I could see the print shop getting to emails when they get to them and dealing with this at their own pace. I am sure they will learn to better staff themselves for future large releases, but you have to think its a learning experience. Obviously you cant believe they would intentionally try to rip you off or hold your money on purpose, like others stated its pretty obvious they are sorting things at their leisure which isnt good enough for most of you. I would be very scared of this forum if i were a small business haha. I think there's been a seismic shift the last few years in the UK's attitude to "customer service". I think when vast swathes of society are disempowered politically and economically, particular those who traditionally had "spending power", then they try and regain that power by being more demanding with merchants. Where once people rebelled against being defined as a "consumer", it's now become a kind of last gasp status. I am a consumer, I demand good customer service. NB : Not completely related to the Os G mess which does sound like a bit of a fuck up, just a general feeling I have.
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Manty
New Member
Posts โข 956
Likes โข 574
May 2013
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Os Gemeos @99prints, by Manty on Feb 1, 2014 0:06:15 GMT 1, I would hate to be on the wrong side of this forum, it seems most expect 5 start treatment and demand small businesses be to there standard. Im not condoning any of the goings on just observing how demanding many of you are. I can understand the stress of not getting the print plays into the frustration, but I have dealt with the french before and I am not sure they have the same mentality or care for customer service as maybe americans or brits. Im generalizing, but I could see the print shop getting to emails when they get to them and dealing with this at their own pace. I am sure they will learn to better staff themselves for future large releases, but you have to think its a learning experience. Obviously you cant believe they would intentionally try to rip you off or hold your money on purpose, like others stated its pretty obvious they are sorting things at their leisure which isnt good enough for most of you. I would be very scared of this forum if i were a small business haha. I think there's been a seismic shift the last few years in the UK's attitude to "customer service". I think when vast swathes of society are disempowered politically and economically, particular those who traditionally had "spending power", then they try and regain that power by being more demanding with merchants. Where once people rebelled against being defined as a "consumer", it's now become a kind of last gasp status. I am a consumer, I demand good customer service. NB : Not completely related to the Os G mess which does sound like a bit of a f**k up, just a general feeling I have.
From a personal standpoint I disagree Completely
I think customer service is much worse than i have ever known. this from dealing with estate agents, solicitors, car repair people, phone companies. It seems almost every business I have to deal with I have to chase. They are never pro-active, and then give the usual waffle, saying i'll give you a call later, then me chasing a week later asking why they didn't get back to me. This is due mainly in my opinion to the business owners scaling things back, and not being quick enough to re-employ, and the remaining staff just being overworked and not being able to put any 'quality' into there role.
Oh and don't get me started on automated fucking tills. Another great way for bosses to shove their staff on the dole
So in short, I blame the owners not the customers
I would hate to be on the wrong side of this forum, it seems most expect 5 start treatment and demand small businesses be to there standard. Im not condoning any of the goings on just observing how demanding many of you are. I can understand the stress of not getting the print plays into the frustration, but I have dealt with the french before and I am not sure they have the same mentality or care for customer service as maybe americans or brits. Im generalizing, but I could see the print shop getting to emails when they get to them and dealing with this at their own pace. I am sure they will learn to better staff themselves for future large releases, but you have to think its a learning experience. Obviously you cant believe they would intentionally try to rip you off or hold your money on purpose, like others stated its pretty obvious they are sorting things at their leisure which isnt good enough for most of you. I would be very scared of this forum if i were a small business haha. I think there's been a seismic shift the last few years in the UK's attitude to "customer service". I think when vast swathes of society are disempowered politically and economically, particular those who traditionally had "spending power", then they try and regain that power by being more demanding with merchants. Where once people rebelled against being defined as a "consumer", it's now become a kind of last gasp status. I am a consumer, I demand good customer service. NB : Not completely related to the Os G mess which does sound like a bit of a f**k up, just a general feeling I have.
From a personal standpoint I disagree Completely I think customer service is much worse than i have ever known. this from dealing with estate agents, solicitors, car repair people, phone companies. It seems almost every business I have to deal with I have to chase. They are never pro-active, and then give the usual waffle, saying i'll give you a call later, then me chasing a week later asking why they didn't get back to me. This is due mainly in my opinion to the business owners scaling things back, and not being quick enough to re-employ, and the remaining staff just being overworked and not being able to put any 'quality' into there role. Oh and don't get me started on automated fucking tills. Another great way for bosses to shove their staff on the dole So in short, I blame the owners not the customers
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BKBOI
Junior Member
Posts โข 1,882
Likes โข 1,694
January 2013
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Os Gemeos @99prints, by BKBOI on Feb 1, 2014 0:12:20 GMT 1, looks like a lot of people wont be doing business with these clowns on future releases. good
looks like a lot of people wont be doing business with these clowns on future releases. good
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Poster Bob
Junior Member
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Posts โข 5,826
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September 2013
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Os Gemeos @99prints, by Poster Bob on Feb 1, 2014 0:13:02 GMT 1, I still find these cart issues hilarious. Bigcartel and PayPal, done.
I still find these cart issues hilarious. Bigcartel and PayPal, done.
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