genuine question is a bank transfer ever an option and is it a bad idea
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#payments 2026-02-08
Sunday35 messages10 participantstimes are UTC
Highlights from this day
- triple_ag_tom — genuine question is a bank transfer ever an option and is it a bad idea 22:40
- triple_ag_tom — network fees were higher than the discount, has anyone done that maths 22:54
- cold_chain_cmdr — what happens if the price moves between invoice and payment 23:01
- patent_2026 — a bank transfer leaves a paper trail and no recourse. people should know both halves of that 23:33
- patent_2026 — slightly off topic but a wrong network transfer is gone. nobody can get it back for you and nobody here will try 23:34
no chargebacks
do suppliers ever refund and how does that even work
stablecoin while pending
discount is standard now
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update from 13 months ago: fees are lower than they were and the discount maths has changed
do you keep the transaction reference and for how long
i have had a payment confirm and the order not update for two days. it resolved with one polite message
network fees were higher than the discount, has anyone done that maths
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thats gone sorry
On this day 3 years ago this channel logged 137 messages.
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a stablecoin while the order is pending removes one variable you do not need
[edited]what happens if the price moves between invoice and payment
option A: 5 x 10mg @ 38 + 25 ship = 215 / 50mg = 4.30 per mg
option B: 5 x 10mg @ 34 + 45 ship = 215 / 50mg = 4.30 per mg
option C: 10 x 10mg @ 32 + 25 ship = 345 / 100mg = 3.45 per mgpost it in scam watch
check the total
nobody can verify an address belongs to who you think it does. that is the actual problem with all of this
coming back to this if you are asked to pay a second time because the first "did not clear", stop and post it in the scam channel
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stablecoin or not while an order is pending
invoice says $94 and my total came out different, whos wrong
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paying in two parts is sometimes offered and it does not reduce your risk, it splits it
work out the network fee before you take the ten percent discount. sometimes it eats it
whats a reasonable network fee to accept
is paying in two parts ever sensible
refunds do happen and they are slow and awkward. do not count on one
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polite message usually fixes it
keep the reference
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wait for confirmations
thats a scam pattern
invoice mismatches happen. check the total against what you actually sent, not against what you meant to send, i could be wrong
a bank transfer leaves a paper trail and no recourse. people should know both halves of that
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slightly off topic but a wrong network transfer is gone. nobody can get it back for you and nobody here will try
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sorry to jump in the room holds no money, brokers nothing, and runs no escrow. that has never moved, n of 1 obviously
has anyone been asked to pay a second time
i keep every transaction reference in a note with the order. it has been useful twice
anyone had a payment arrive and the order not update