The $10 Payment That Cost Me $43.95 – The Madness of SaaS Chargebacks

Re:The $10 Payment That Cost Me $43.95 – The Madness of SaaS... by mrtksn on Monday September 15, 2025 @08:05AM (#45248681)

This is something good about the Apple AppStore, they handle the chargebacks and no ridiculous fees incurs(they will send you a consumption info request to ask for your opinion but ultimately its their decision and its handled by them). That's why I don't have a problem with Apple's cut as they handle something that's actually quite complicated and annoying. Their control over the content(what's allowed) is another story though, of course.

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Re:The $10 Payment That Cost Me $43.95 – The Madness of SaaS... by pjc50 on Monday September 15, 2025 @08:07AM (#45248694)

> no ridiculous fees incurs

.. to the user. What do they charge the vendor, or it just the 30% of every transaction (which some might consider ridiculous).

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Re:The $10 Payment That Cost Me $43.95 – The Madness of SaaS... by mrtksn on Monday September 15, 2025 @08:08AM (#45248704)

That's the point, I don't subscribe to the idea that %30 is ridiculous if you don't have a full blown department to handle that. Can be argued that Apple should give people that option but for anyone who minds being charged $43.95 for transaction that goes badly will be beter off to pay Apple and have piece of mind as long as their margins allow that.

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Re:The $10 Payment That Cost Me $43.95 – The Madness of SaaS... by pjc50 on Monday September 15, 2025 @08:18AM (#45248781)

Would you prefer to be charged $43 for 1 in every 100 $10 transactions, or $3 for every $10 transaction?

edit: comment below reminds us that unhappy customers can get you banned entirely https://news.ycombinator.com/item?id=45248686

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Re:The $10 Payment That Cost Me $43.95 – The Madness of SaaS... by mrtksn on Monday September 15, 2025 @08:22AM (#45248810)

I would prefer to be charged $3 for every 10$ if I'm not ever going to get involved in this and the money will hit my bank account the first week every month. I would prefer to get charged $43 for 1 in every 100 transaction if I employ people who handle that for me.

So the $43 thingy is more like at least $3000 + (43$ per 1 in 100) and (2$ + %3) per + handling VAT remittence per + handling local laws per(which means you will likely need a few more highly specialized employees or services that you pay hefty cuts approaching Apple).

Taking money from people anywhere in the world in exchange for your product or service is trivial on Apple because they indeed employ a lot of people that deal with this stuff, thus %30 is fair IMHO.

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Re:The $10 Payment That Cost Me $43.95 – The Madness of SaaS... by ToucanLoucan on Monday September 15, 2025 @08:23AM (#45248824)

As a customer, your business model isn’t my problem. I’ve had numerous frustrating experiences with cancelling these and similar things. If you make it a chore, even in the slightest way, chargeback. Suck it up.

Life is hard enough and I have enough things to do that actually require energy and focus, and I refuse to spend any of it trying to convince you that don’t need your SaaS product.

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Re:The $10 Payment That Cost Me $43.95 – The Madness of SaaS... by evermike on Monday September 15, 2025 @08:51AM (#45249047)

Well, I treat other companies and people the way I’d like to be treated myself. Knowing that a chargeback is unpleasant and creates extra costs, I always first write to their support.

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Re:The $10 Payment That Cost Me $43.95 – The Madness of SaaS... by ToucanLoucan on Monday September 15, 2025 @10:12AM (#45249996)

I treat other people like that, absolutely. Companies are not people and you can tell by the way they treat you.

The way a lot of businesses try to exist in this superposition between being "just pals!" when things are going their way but if you try and resolve a problem, they immediately start quoting policies and legalese is really off-putting tbh.

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Re:The $10 Payment That Cost Me $43.95 – The Madness of SaaS... by post_break on Monday September 15, 2025 @12:10PM (#45251422)

You can't exactly charge back the AppStore because you risk losing your entire account. I'd much prefer every app be billed separately because then I CAN request a charge back, without fear of literally losing my entire phone, house access, etc.

Your definition of good, is my definition of a prison.

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