do not send a test payment to prove anything to anyone. that is a pattern, not a precaution
#payments 2026-03-21
Saturday53 messages11 participantstimes are UTC
Highlights from this day
coming back after 2 months, has anything changed on fees
a wrong network transfer is gone. nobody can get it back for you and nobody here will try
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there are no chargebacks here. that is the trade you are making and it should be a conscious one
a stablecoin while the order is pending removes one variable you do not need, anyway
do suppliers ever refund and how does that even work
on a small order the fee can be a meaningful fraction. on a large one the discount wins easily
network fees were higher than the discount, has anyone done that maths
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the discount pattern is roughly ten percent almost everywhere and it is a real saving at volume, i could be wrong
update from 14 months ago: fees are lower than they were and the discount maths has changed
do the fee maths
i triple check the address and i have still had a moment of pure panic every single time
work out the network fee before you take the ten percent discount. sometimes it eats it
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check the first four and the last four characters of the address. every single time, no exceptions
invoice mismatches happen. check the total against what you actually sent, not against what you meant to send, i have it written down somewhere
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the room holds no money, brokers nothing, and runs no escrow. that has never moved
is there a way to verify an address belongs to who you think it does
i have had a payment confirm and the order not update for two days. it resolved with one polite message
right so whats a reasonable network fee to accept
is the ten percent crypto discount standard everywhere now
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what happens if the price moves between invoice and payment
i have had a payment confirm and the order not update for two days. it resolved with one polite message
i keep every transaction reference in a note with the order. it has been useful twice
thats gone sorry
triple check it
wait for confirmations
refunds do happen and they are slow and awkward. do not count on one
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thats a scam pattern
nobody can verify an address belongs to who you think it does. that is the actual problem with all of this
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is there any chargeback route at all
do you check the whole address or just the ends
anyone had a payment arrive and the order not update
i wait for the confirmations the supplier states and then one more before i chase anything, ask me again in a month
a bank transfer leaves a paper trail and no recourse. people should know both halves of that
how long do you wait before chasing an unconfirmed payment
no escrow here
the mods stop escrow conversations immediately and they are right to
check the total
paying in two parts is sometimes offered and it does not reduce your risk, it splits it
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if you are asked to pay a second time because the first "did not clear", stop and post it in the scam channel, we shall see
stablecoin or not while an order is pending
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check first and last four
discount is standard now
stablecoin while pending
do you keep the transaction reference and for how long
is a bank transfer ever an option and is it a bad idea
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no chargebacks
check the total
post it in scam watch
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invoice says €38 and my total came out different, whos wrong
how many confirmations before a supplier usually marks it paid
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 mgkeep the reference
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no escrow here, thats one data point
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sent to the wrong network, is there any way back