matthewarkin

hace 2 añosdiscuss

Tokens are mapped to the underlying account not to a specific card. This is one of the selling points of network tokenization to merchants. If the underlying card gets lost/stolen/replaced/etc, the token will still work because it is tied to the account and not the physical card.

matthewarkin

hace 4 añosdiscuss

The slightly tricky part is that the brand rules may still apply even if it transaction on debit rails, since the brand is printed on the card and Visa/MC doesn't want to deal with consumer complaints because the merchant routed it to debit rails despite Visa's "zero fraud guarantee" (the primary exception for this is pin debit transactions are excluded since those primarily go through debit networks). The challenge then becomes the issuer needs to take a loss as some of the debit networks don't have the chargeback infrastructure that the larger networks have, but you are often still protected by Visa rules just because the card has Visa printed on it.

matthewarkin

hace 4 añosdiscuss

Brazil has a unique thing "combo cards" in which a single card number can be tied to different accounts. So selecting credit draws from a line of credit while selecting debit draws from a bank account (checking or savings) holding cash.

In the US, though, both options draw from the same bank/checking account.

matthewarkin

hace 4 añosdiscuss

One of the Chase Merchant Services platforms had an outage earlier.

matthewarkin

hace 6 añosdiscuss

Braintree / Paypal | Chicago, IL or Austin, TX or San Francisco, CA or REMOTE USA | Software Engineer | https://www.braintreepayments.com/careers/

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We don't have a playbook for hiring during a pandemic, and we know these are weird and stressful times for many, but we're committed to being flexible and making it work to find excellent engineering colleagues.

We use pair programming and TDD as our default practices, and we have some pretty awesome internal tooling to enable remote pairing and collaboration. We're always looking to learn and improve, and teams regularly come together to reflect and adjust. We strive to be welcoming and inclusive for all our team members.

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matthewarkin

hace 7 añosdiscuss

None of the major card networks except for American Express validate cardholder name. The Address Verification Service (AVS) also only validates numeric values (so if your address is 123 Main Street, 123 Maple Ave will return a matching response)

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