The fees for those are still often comparatively lower to the US rates posted above. Credit cards are also not popular here, so while I do own one, I suspect average % of a merchant still remains low.
Amex also offers pretty good rates to low-volume merchants here to have more acceptance to my understanding.
The rates I posted are the full range. Because it varies yes.
You suspect average percentage is low but try to get a payment processor agreement and see within two years what you actually pay overall. It may get even above the rates I mentioned with fix costs the jeopardy to your business when a fraud does occur and the issuer blocks you from accepting any payment, or worse, accuses you of being the fraudster.
We are well educated by the financial system and VISA/Mastercard to believe this technology is for our own good. Many in the financial industry denounces their predatory practice, that of a cartel of 2 or 3 that imposed a dictate for decades. Things are finally changing, resistance will continue but you will see QR or some alternative will settle in.
I'm torn between "yes, these experinets are way too expensive and the knowlage is too niche to be really usefull" and "We said this about A LOT and we found utility in surprising ways so it could be a gamble worth taking"
That's the problem with cutting edge reaserch....you don't even know if you will ever needed it or if a trilion dollar industry is waiting for just a number to be born
Yes, we don't really know. But at some point the gamble is just too big.
Because the costs aren't just numbers. They represent hundreds or thousands of person-years of effort. You're proposing that a large number of people should spend their entire lives supporting this (either directly as scientists, or indirectly through funding it) - and maybe end up with nothing to show for it.
And there's the opportunity costs. You could fund hundreds of smaller, yet still substantial scientific efforts in many different fields for the cost of just one particle accelerator of the size we think is sufficient to yield some new observations.
I really think on device verification is the way to go - and I don’t even see why we need to use ID.
Parents are always in control of a kids device. Just mandate devices have a child mode that parents can activate and have it send a ‘this is a child’ flag to all websites and apps.
But this assumes this isn’t all about ID checking everyone online, which is what it’s really about.
Personally I always hated the minimalistic style of these menus, the descriptions are never enough and I was often underwhelmed by the final result of a 5 word description.
I get the appeal of the "mystery" and leaving the art to the artist but I honestly prefer the Chinese menus with pictures of food they personally took of the dishes they made.
It's useful to have the small functions all written.
I program mostly in VBA these days (a little problematic as is a dead leanguage since 2006 and even then it was niche) and I have never recived a correct high level ""main"" sub but the AIs are pretty good at doing small subs I then organize.
And yes, telling me where I make errors, they are pretty good at that
At the end of the day I want reliability and there is no way I can't do what without full review.
The funny thing is that they try to use the """best practices""" of coding where you would reasonably want to NOT have them.
"No one owns you anything, you don't own anyone anything" mentality, without a crumb of social awareness.
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