Warning about SlideME - General Topics

I recently purchased Quadrant Advanced from the SlideME store since that's the only place it is available. Unfortunately, SlideME has implemented a policy where they will charge your credit card for a random amount less than $1 when you add a credit card to your account. In my case, this was $0.61. They try to justify this as a "security" measure to verify that the card is really yours; however, they let me continue and buy the application without first verifying the charge.
Even though the amount of money is small, I find this type of business practice despicable. I will not purchase any applications from SlideME and will e-mail any developer whose application I am considering purchasing that they have lost a sale until they move their app to a respectable store.

Wanted to follow up on this post to mention that we are indeed aware of the problem that is causing and maybe even loss of sales for apps sold via SlideME.
We did not assume that such a nominal fee (for end users) per card setup considered a registration fee, will become such a big issue.
The reason we took this approach from our early days in 2008, was that we wanted developers via our Marketplace to earn 'the lot'. This means if our payment processing costs are only 5% + $0.05 (as per Amazon Payments fees), the remaining balance will be paid out to developer.
As we have additional payment methods such as our 'direct card' payment option, we need to confirm the real owner of the card, much like PayPal and Amazon Payments require to verify the cardholder.
With the issues related to combating fraud e.g. users using stolen cards, there are processing fees for setting up a card and such fees are not directly related to the transaction of the sale of an application, therefore could not be applied to the developers account. This fee that our direct card processor charges has to be covered from somewhere, and this amount is funded from the < $1.00 fee that we charge per card setup. You only need to setup your card once, and customer is never asked to submit any sensitive card information from their phone ever.
Without such a verification process which consists of two states, 'pending verification' and 'confirmed' to place users account in 'good standing', there is a high risk there could be a large number of chargebacks and related fees, which will be charged to developers account. Not something we will be too happy about nor will developer.
A customer like you, has the option to choose other Payment Methods via SlideME that do not require any such verification, such as Amazon Payments & PayPal (due this coming week), since they provide their own verification process.
So your complain and from many other users, has been taken into consideration and it seems that we will have to charge some additional fees to developers to cover such processing costs via our Direct Pay option. I expect overall this will not mean less income for developers but could reflect to actually more sales via SlideME.
We took the initiative to create a discussion topic at http://bit.ly/aADcvo
Look forward to getting some feedback on what developers think about this issue.

The idea that charging a fee that a user must verify to prevent fraud might have some validity if the user must verify before being allowed to purchase any apps. However, I was able to purchase an app immediately after registering as a new user and adding my credit card. If I were a credit card/ID thief instead of a legitimate buyer, the victim would now have two fraudulent charges: the app purchase AND the verification charge.
In reality, this is just a way of passing on a processing fee to the end user and trying to disguise it as a fraud prevention method. It may not be fair that the merchant takes all of the risk of ID theft and fraud but that is the way the system works.
If you want to charge a registration fee, you should be up front about it when the user signs up with a full checkout page so that there is no ambiguity that money is about to change hands. When I purchased the app, I went through a full checkout page that clearly showed what I was buying and how much I was paying. This was not the case with the "verification" fee.
If you're not going to prevent users from buying apps until they verify, quite calling it a fraud/verification fee. If you're going to charge a registration fee, be upfront with it and have a full checkout page so that the user will clearly understand what they are buying. Better yet, just take credit cards like 99.999% of online stores and charge the developers an amout that covers your costs.

It's clearly stated that the <$1.00 is considered a card registration fee and we have it in several places on our site. It seems you are the only one that missed it if your name starts with a K. We have had users complain about it, but not one be surprised of such a charge that they did not know it was coming.
Yes we do open up and permit account holders to purchase without verification when we have eyes on the system to prevent complaints from customers that want to buy now!
We send many warnings to customers that have a high fraud score and such require to verify their card to proceed.
We will do what it takes to satisfy developers and users alike.
I guess now we will have to restrict only to all verified users, which will just make it more difficult for that ones that don't seem suspicious to purchase.

You can't make everyone happy.
There will always be people that complain.
If you make them wait, they will complain they can't get their product
fast enough.
If you don't make them wait, they will complain that you didn't verify
their identity...
My experience and 2 cents:
Do what makes your largest user base happy and focus on them.
You won't make everyone happy but at least you'll have market share
and happy customers to reaffirm you've made the right decision.
Some people want their cake and wish to eat it too.

Related

The principles of copyright

I've noticed on UK eBay that there are people selling the unlocking software that is available on this website for free. I feel its safe to assume that the people selling the software are not the authors, or contributors.
I'm just wondering how many of the people that contribute to the free unlocking apps on this website recieve anything for their efforts.
After all if the people selling the apps are not the software authors, then are they not in breach of copyright?
I'm not trying to stir up talks of legal action, but another forum i occasionally frequent (Pocket GPS world) used to produce a free speed camera overlay for sat-nav packages like TomTom. They found that their free speed camera overlay was being sold on eBay by less than honest individuals. In the end, they started a complaint procedure with ebay, and got a lot of the offending auctions removed.
Any website costs somthing to keep on the internet, and the cash these ebay traders make, is effectively robbing the website of an income.
Of course i may be completely wrong, and the authors of the software / website are getting rich quick on ebay.

Does anyone have any experience buying phones from these independent phone sellers?

Does anyone have experience buying phones from the following websites, and other than obtaining a business registration number, how can one be certain that the busines is legitimate?
http://www.shoppalstores.com/phonetrader/index.cfm/fa/pages.main/pageID/2
http://www.classifieds-shop.co.uk/product_desc.php?id=237&PHPSESSID=efb62b235a9c8d3f1e48dece7e0502b1
http://www.inkiti.co.uk/a,11493,iPHONE-16GB-(UNLOCKED)..........$300,--NOKIA-N96-(UNLOCKED).............$430.htm
Also, if a business refuses to use an escrow service to secure payment, then is it likely they are a scammer?
Those are not "independent phone sellers" they are scammers, I would bet money on it.
The first one has the more slick website but wants payment via Western Union or Moneygrams - guess which two services are the choice of scammers the world over...
The second is a scam and I can tell that from a 30 second look at the page.
If you send your money to either of those sites, you will never see it again and you will never take delivery of a phone.
AVOID.
Thanks for the prompt response!
Yes, I've had my suspicions as Western Union and Money Gram are the only means they will accept payment. They won't even consider an Escrow service to secure payment.
It's a shame however as I'd rather pay the cheapest I can for a sim unlocked phone.
I will heed your advice and respond. However, may I ask if you know of any legitimate companies that sell phones cheaper than the going price?...

Windows Marketplace and your credit card details going missing

has anyone ever had any issues with card fraud following a payment made to the windows mobile marketplace?
I paid for an app for the first time ever this week and since then my card details have been ripped and used to the total of £1500, I'm not massively worried about it as they generally refund this sort of thing (its happened to me before).
But has anyone ever input their card details to their live account via the phone and then had fraud on their card?
Just a note i flashed with a cooked rom from this site at the begining of the week and without accusing or anything like that, is it possible the ROM is the cause of the details leak or just that microsoft marketplace sux?
Many Thanks
Luke
It would most cetainly be possible, but I would say very improbable. That kinda crap gets the cops looking at you. Where as a true scammer would run your and 1000 other cards for $5-$10 each and 80% of the people never even know they got charged. Emptying the account will definetelly draw law enforcment and red flags. I would say it probably didn't come from your phone but you never know. I persoanlly keep an online card with like $100 in it, and a seperate account for savings at another bank.I'm sure you'll get your money back but your chances are just as good that it got stolen at mcdonalds or Citgo and sold on irc. Was it one charge or a bunch? Were there many charges offshore? I know they typically will set up pet stores in 3rd world countries and run the cards through there.
i still had the card, and its not my main account etc, but I only ever use it for paypal and occasional online purchases, the most recent one was this week to marketplace, and suddenly ive got 10 transactions to UK companies totalling £1500, cleaned the overdraft to the max
They were all seperate purchases, there was three to screwfixdirect totaling £900, some to O2 topup, some to game.co.uk etc...
Just seemed strange that the only time ive put the details into any form of online payment for months and i get robbed

Android market 'hidden' costs

Not sure if this is the right area to post this or if it been posted before, but was just wondering on other opinions of googles hidden costs when buying apps off the market.
Not sure if this only happens in certain countries but I am in the uk and when I buy an app that is priced in euro's there is a 'hidden' £1.50 charge applied to my card, so a $1 app really costs about £2.30. So if I buy 10 apps, google make £15 quid off me!
I feel this is totally unfair and am wondering of the legalities of not even warning about this charge when you buy the app?
And also it does not seem fair that google are making money off the hard work of developers, I know they get a share of the price but then they also get the extra 'card charge'.....the word ripoff springs to mind here!
I live in the states and I haven't experienced this, perhaps it has something to do with the conversion rate?
rosso22 said:
Not sure if this is the right area to post this or if it been posted before, but was just wondering on other opinions of googles hidden costs when buying apps off the market.
Not sure if this only happens in certain countries but I am in the uk and when I buy an app that is priced in euro's there is a 'hidden' £1.50 charge applied to my card, so a $1 app really costs about £2.30. So if I buy 10 apps, google make £15 quid off me!
I feel this is totally unfair and am wondering of the legalities of not even warning about this charge when you buy the app?
And also it does not seem fair that google are making money off the hard work of developers, I know they get a share of the price but then they also get the extra 'card charge'.....the word ripoff springs to mind here!
Click to expand...
Click to collapse
I don't think it is like that. Other people will confirm, but I guess it may be some thing with your credit card or bank, as I believe this does not happen to almost anyone.
antonio1475 said:
I don't think it is like that. Other people will confirm, but I guess it may be some thing with your credit card or bank, as I believe this does not happen to almost anyone.
Click to expand...
Click to collapse
Well it happens to me whenever I buy an app that is in euros, on two different bank cards with different banks, and the money goes to google as it says it on the statement next to the charge.
what I'm getting at is even if it does only happen to a small amount of people (or even just myself), does it make it any less unfair to not warn of this?
And some may say well just buy apps that are in £'s but then I would be missing out on a hell of a lot of apps
rosso22 said:
Well it happens to me whenever I buy an app that is in euros, on two different bank cards with different banks, and the money goes to google as it says it on the statement next to the charge.
what I'm getting at is even if it does only happen to a small amount of people (or even just myself), does it make it any less unfair to not warn of this?
And some may say well just buy apps that are in £'s but then I would be missing out on a hell of a lot of apps
Click to expand...
Click to collapse
I think it just fits to your problem:
http://www.techeye.net/mobile/android-apps-conceal-hidden-charges
antonio1475 said:
I think it just fits to your problem:
http://www.techeye.net/mobile/android-apps-conceal-hidden-charges
Click to expand...
Click to collapse
Thanks for that, explains a lot, I think google should definitely start showing the true price of apps before you buy them, and warn of any charges you may incur....Is it any wonder that people use cracked apps!
To be honest, I hadn't noticed that VAT wasn't included in the prices, I just presumed they had it set up so that your local VAT rate was included (wouldn't be hard to do).
As for the £1.50 charge, that's down to your bank to inform you of it, which I bet they did, but you (like the rest of us) just never got round to reading the small print in the bumf that came with our accounts.
dbzfanatic said:
I live in the states and I haven't experienced this, perhaps it has something to do with the conversion rate?
Click to expand...
Click to collapse
Same here. Never seen such a thing. (Also in the states.)
dgalanter said:
Same here. Never seen such a thing. (Also in the states.)
Click to expand...
Click to collapse
Yeah probably a UK thing....they are always finding ways to sting us for more money here
It'll be your bank's handling charge for exchanging £ to €
The same as if you jumped on the ferry and bought a bottle of wine with your bank card rather than cash.
If you don't think your account should incur charges for non £ transactions (ie you're sure it says you won't be charged in your terms and conditions), then contact you bank and complain.
Demand the refund of £1.50 (was VAT added to the charge? I suspect it was so add an extra 20%) and £10 as compensation for their mistake.
xaccers said:
It'll be your bank's handling charge for exchanging £ to €
The same as if you jumped on the ferry and bought a bottle of wine with your bank card rather than cash.
Click to expand...
Click to collapse
I'll just pay with with coins next time then eh?........now where's the coin slot on my phone?
And getting charges back from a UK bank......dont make me laugh
thanks for the info
rosso22 said:
I'll just pay with with coins next time then eh?........now where's the coin slot on my phone?
And getting charges back from a UK bank......dont make me laugh
Click to expand...
Click to collapse
Email the developer and ask if you can post them some dosh
If your terms and conditions state that there is no charge for foreign transactions, then under the banking rules you're entitiled to those charges back.
Quite often a polite phone call even when the charges are valid can result in them being refunded.
I've had overdraft charges refunded simply because I phoned up and had a bit of joke with the person in the call centre, they have a thankless job putting up with customers abusing them for mistakes the poor sods aren't responsible for, if you can make one of their's day, they can give in to resonable requests.
Like when O2 barred my phone without warning me because my bank screwed up my direct debit. 4 days after making a manual payment the bar still hadn't lifted, so I got through to a west indian woman and while she was looking into it I said "I just wanna use my phone" in a jokey way, she laughed and sorted it and credited me £15.
Maybe with Google's plan for a web based marketstore they'll be the option to add apps to your basket and pay in one go, so only 1 charge, doubt it though.
I still cannot believe they have not sorted this. The majority of UK debit cards will charge £1 - £1.50 for every transaction, meaning that I (and surely thousands of others) have completely avoided buying budget apps as it just makes them too expensive.
There has been some talk of a paypal or charge through your phone provider option, but no sign of either in the UK yet.
There are a couple of accounts and credit cards that don't charge a set fee, often credit cards have say a 2.5% charge on conversions that's perfectly acceptable for small purchases ... well a lot better than £1.50!
Another person from the states here, and i've never encountered something like this
lol, it's not a big deal. Although i did find out unexpectedly
I hope with carrier billing will come to the rest of the civilized world, until then you have to deal with your local financial laws and jump through hoops.
I have been getting similar. Frustrating and hard to get around without calling the bank to check their daily forex rate and having their list of card charges handy before calculating the actual price manually. Seems a PITB for a $2 app
Im from Mexico and I experienced something similar, I just bought one of the 10 cents Apps and I got the notification of two charges, both from Google, one for the 10 cents and one for $1 US. I know its not my bank, because I've used my card on a recent trip to the US and my bank didnt apply any extra charges, besides on the detail of the transaction it says GOOGLE GOOGLE.COM/CHCA US for the extra...
Any news from google on that?
$0.10 apps really only cost $0.10 for me in Canada

Get out of sprint contract 10/5/2011

This worked for me...
I had to call about 20 times to get them to comply with the terms. the last time I called, the call was escalated to the management team almost immediately. I talked to the man very calmly and explained the situation with him. I told him that sprint had changed the terms of my contract several times, I had the original contract in which I signed dated 9/21/2010 and I was not going to accept the new terms with their material changes. He said that sprints attorneys had already looked at the changes to the "surcharges" paragraph and they were not an adverse material change due to the fact that sprint is just imposing limits which it had none before. So I went on to explain the adverse change to the arbitration agreement which impeded my ability to pursue any wrong doing and showed sprint favoritism. I told him of all the complaints I had been researching about JAMS arbitration showing the business favoritism. He asked me to hold a minute and came right back asking if I had considered the buy back program. I told him absolutely not I was not going to loose $250 on a phone less than a year old which they would only give $95 for and expect me to pay $110 for an ETF. He said unfortunately there is nothing I can do. I replied, I am following all the terms of the contract, I stated the Provisions for breaking the contract with no ETF (material change) and again told him this new arbitration agreement which I would be using to pursue the change to the "surcharge" paragraph adversely affects me. He asked me to hold he would transfer my call to the head of his call center because his hands were tied. About 20 minutes later he came back on the line and told me he had talked to the head of the call center and he was willing to mark my contract fulfilled as of last month and set my account to cancel at the end of the billing cycle so I could port my number if I wanted. I told him that was awesome and I appreciated them abiding by our contract even though it took multiple calls to get it completed.
1. Take notes. write down the names and employee ID of all the people you talk to.
2. Make sure you tell them you want to cancel due to the material change to the terms and conditions.
3. If you get a person that seems like they are put out by having to be at work right now tell them something came up and you will have to call back later and thank them for their time. then call right back and get someone who is having a better day.
4. Tell them you do not like the fees but the change to the arbitration agreement is the material change that you do not agree with, it is because they are impeding your ability to resolve any disputes with sprint due to the changes to the arbitration agreement so it adversely affects you.
5. Do not let the persuade you into the buyback program unless you know what the conditions are and you don't mind loosing all the money you paid for your phone upfront, you will still have to pay the ETF and they don't pay much for phones ($95 max for the Epic). You could sell your phone on craigslist for more than they offer and possibly enough to cover the ETF.
6. Always remain calm and collected speak slowly and plainly, be courteous mind you manners. Talk to the employee for a minute ask where he is located and how his day is going. Make sure you are improving their mood sympathize with them. Tell them you understand they have been told what to say and they have to follow orders but someone must be able to complete this and abide by the terms and conditions. Talk to them like their on your side (reverse psychology). If I can make them laugh over something I usually have their support when the call is escalated to the next department. It definitely makes a difference if the previous employee leaves a good comment and they side with you on the account and doesn't say you are an ahole.
7. Do not let them persuade you into the buyback program unless you know what the conditions are and you don't mind loosing all the money you paid for your phone upfront, you will still have to pay the ETF and they don't pay much for phones ($95 max for the Epic). You could sell your phone on craigslist for more than they offer and possibly enough to cover the ETF.
8. If the employee does not agree the arbitration change is a material change. mention "In Cunningham vs. Fleetwood Homes of Georgia, reported at page 611 of the third Federal Reporter, volume 253, the Eleventh Circuit Court of Appeals ruled that arbitration clauses are material terms to a contract.”
9. They may offer a discount of .50 each month to offset the surcharge or $10 a month for 3 months to continue service. If you take these offers your contract will still be in full effect and you will be stuck with the new terms.
10. Get a CONFIRMATION NUMBER and keep it safe. Do not loose it just in case the employee lied which has been known to happen from time to time. check your account online and click "see my contract details" it should show almost immediately the contract is complete. press print screen and save the image at least until your final bill has arrived and is correct. I have been burned by companies which lied in the past because it does not matter what they tell you on the phone its what is in writing that counts. If they lie and you have no proof 30 days after the change you are stuck in your contract.
With a bit of luck they should let you out of the contract depending on the representative. They have no legal grounds to make you stay. If they refuse try again be persistent. I overheard the employees talking in the back ground at one point about how many times I had called over this issue. one of them even said "he is one persistent a**hole". Do not give up, if you don't find yourself making headway after 25 calls file a complaint with the BBB, FTC, FCC, your state attorney general, local chamber of commerce and your state public utility commission.
Good Luck,
Brandon

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