• 13 Posts
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Joined 1 year ago
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Cake day: March 8th, 2024

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  • Props to those moms mentioned in this thread that stopped smoking while pregnant. My mom smoked through all three of her pregnancies. As did my dad, right up until the day he died of a heart attack. Which my mom refuses to attribute to 50 years of smoking and about 30 of hard drinking. “Perfectly healthy people have heart attacks all the time.” She also blames the one medication she’s on for her teeth being brown.

    Anyway, I have no clue what neurodivergencies my parents had/have because they’ve self-medicated their entire lives. Pretty sure my paternal grandfather was “high functioning” autistic but he died when I was young. My mom’s side of the family heavily leans towards substance abuse, so who knows what that’s hiding.












  • Previously:

    You have a Nintendo account. Under your account is your primary device. You buy a game under your Nintendo account. You can then play on any device that you’re signed into. Or any account on your primary device can play the game. (Xbox had this same setup for years.) Working example: you buy Mario Kart. Your friend comes over. You sign in on your friend’s Switch, and hand them your switch and they use any other account on the device (including local). You then can both play the same copy/license of Mario Kart.

    Now there are two options: virtual game cards, and online licensing. VGC is what all of the noise/confusion is about. Online licensing is very similar to the old method, but they closed the loophole I outlined above.







  • I’d imagine payment software … historically … not have an unnecessary middle man.

    I used to work in the payments industry, and it’s middlemen all the way down. Visa/MC/etc. don’t deal with small fry. There is an enormous amount of regulatory overhead (which is not a bad thing here, fraud is rampant and it’s a cat and mouse game). Unless you’re buying from a heavy hitter like Walmart etc., that business is going through at least one layer of transaction processing before it gets to the issuer. The smaller the business/processing traffic, the more likely it is that there’s several hops in the chain.

    Example: Processor A has direct connections to V/MC (which involves hosting V/MC’s hardware in a secured datacenter with multiple redundant network connections, and paying for the privilege). Unless a client does $X in volume, the overhead outweighs the revenue from that client. Clients that process less than $X still need servicing, so Processor B contracts with Processor A (hosting Processor A’s hardware, paying for dedicated data lines, etc.), dealing with smaller clients that add up to at least $X so Processor A is happy. Processor B may have a volume floor as well, in which case the chain continues. Each hop takes a percentage, and generally the clients with the lowest volume pay higher fees per transaction. Now add in other card types like Amex and Discover, debit transactions (which require dedicated hardware to decrypt/encrypt the PIN to verify before passing the transaction), EBT, etc. Only the largest processors are going to have direct capability to handle all of that. More typically, mid-sized processors contract with multiple other processors to cover the spectrum… or just not worry about Discover or something.

    tl;dr there’s a whole lot more to it than just rolling your own point of sale software.