Is Anything Wrong w/ the Cartio Micropayment System?
ballpeen asks: "Obviously it's not the lack of technology that's been holding up a decent micropayment system for years. But a few months back, I tried out the dummy account demo for the new Cartio set-up, and it seems fine. It's based out of the Netherlands, but fully international. Offers credit card, debit, personal check or cash fills. The s/w downloaded in a couple minutes (400K?), installed no problem on Win98, and seemed to work fine. It's made to handle online and offline purchases in the one-cent to 10 bucks range. Has anyone else checked this out? What's the hold-up?" Of course, this is currently Win32 only (a Mac version looks to be in the works). But the system seems sound enough. Might Cartio be the first to do micropayments right?
Next, from the merchants point of view, how much is this going to cost me to accept micropayments? Its free for buyers, but there must be fees for sellers. Their website doesn't happen to mention any of this. To me, that indicates that maybe it isn't all that great a deal.
micropayments are a nice idea, but I think that it will never work.
. . . really does cost two cents. Paypal me at rgristroph@yahoo.com.
If you don't, stop and think and maybe you'll see why micropayments won't work.
Of course, this is currently Win32 only . . . Might Cartio be the first to do micropayments right?
What site is this again? Because I thought I was reading slashdot.org.
I think there's been some horrible mistake.
Jordan Bettis
``Wherever you go, there's another stupid sigfile quote.''Mac? What's the numbers of Mac users vs Linux (vs Windows)?
Firstly, micropayments are a turn off for web users. Why pay for content that is freely available elsewhere?
Secondly, you DON'T make this turn off 1 million times worse by REQUIRING that the user DOWNLOAD some piece of crappy software. No, if micropayments are truley to EVER work, it needs to be seemlessly - the only way that will happen is if micropayments can be made using an ordinary (presumably HTTPS) browser.
My 2 cents.
BTW, if you have read this comment please deposit 3 cents into your workstation floppy drive.
The holdup is _Micro Payments Will Never Work_! For more explaination, please read Clay Shirky's "The Case Against Micropayments"!
I always thought it was some kinda IMF/World Bank/Visa conspiracy to keep micropayment down, but now I'm thinking it's the geeks, led by that Anonymous Coward guy...
What a bunch of clueless comments. Just bait, right?
Micropayments are the missing link in any sort of indie Net movement. Most of the creatives - artists, programmers - and the smaller and mid-size companies that would support 'em, got beat right down, financially and emotionally, with the dotcom fiasco. What a cheap way to kill the street competition and a new freak medium - smothering with cash works just as well as a plastic bag over the head!
Meanwhile, the ONE clear thing about the Net threat to the Establishment since '95-'96 WAS that micorpayments, done right, could provide real people the missing economic link to make the Net work for them.
Not freakin' credit card-based crap (ccard penetration outside the US is around 20%, and Americans are long since maxed out). Not even debit cards. You want a kid to be able to scrounge a fiver, take it to the 7-11, shove it in a machine, get a card like a subway card or library card or discount phone card, go home, start surfin' and be able to click and pay, dime here, nickel there, a buck for a pretty heavily compressed indie track (two bucks for a fatter file)... A little hard manga past that over 13? sign...
It's classic human consumer nature. The old candy store and what do you do with that quarter or buck. Jawbreaker, licorice, y'know... THAT'S A FAIR DISCRETIONARY BUYING SET-UP: lotsa instagratification choice, priced so you can both browse and buy.
Forget the anonymous cash aspect, take just the CASH aspect. All previous micro systems were tied to plastic - very limiting to the audience, by the mindset alone - and then to the increasingly-proven-evil debit mode (you can't really get debits to stop).
A GOOD micropayment system lets indie artists draw comics, bands and labels release tracks, every funny or fanatical freak who can type churn out fiction, reportage, lyrics, people create jewellery, put up friggin' FRACTALS for sale. No limits.
They tried that at the portals, The Globe, at least, others? Open a mini store. Or ebay. But these are different animals, CREDIT CARD secured. PayPal's hardly better.
If Cartio delivers invoice and personal check/money order fill options, THAT'S a revolution. Not only don't a ton of people have cards, or cards with anything left, people HATE them deep down. Spending cash is real.
As for usage: the click to far syndrome's spreading, slightly sneaker than in the XXX world. Been to Salon lately. Click a juicy headline. Start reading a couple paras. Suddenly: PREMIUM CONTENT, DUDE, SUB HERE. Even fuckedcompany is subscription: click too far and it's login or pay time. Papers like Variety, hardcore trades, the NY Times, etc have been doing that for a while, a teaser regular page with headlines and leads, then click a story and it's the subscriber page! Variety is a classic - try reading a juicy story.
And that's subs for $10-20-30+ a year, or even a month. Take DJ culture instead, it supports the talented quite well thanks, by NOT supporting the vast infrastructural overhead of a major label, or other big corp. Stay real, and charge reasonable, and you end up with more in your pocket than signing that big corporate contract to do whatever.
And people LIKE to pay, when they feel the payment is going direct. Buying with a card from a middleman is wack. Cracking Adobe software is cold. But sending three bucks to U-Turn records DIRECT may be questionable, but if you wanna do it, it's not less money for you, it's satisfaction!
Good micropayment is the lemonade stand. It's Tom Sawyer whitewashing the wall... It's FREE ENTERPRISE...everyone can play, and pay to play as well.
You did actually know this, right? Just teasing me?
Slashdot, which was once a bastion of FSF "information wants to be free" zealots have now revealed the strength of their convictions. When you're going broke, it's hard to justify giving stuff away.
Micropayments sound like a great idea -- for some lameass that spends thousands of dollars running a free website (with no chance of making a buck) with money taken from gullible investors. After all, it's a chance to sell your "content" instead of giving it away.
People will pay for websites -- namely porn (through subscriptions), technical information (through service contracts) and special refrence collections (medical, engineering, marketing, etc) via subscription. Very few people would ever pay for a run-of-the-mill website like Slashdot, however, because there is no compelling reason to do so.
The only reason people go to websites like this one is the large number of people who tend to congregate there. Some are pretty smart, some amusing, others obnoxious. Require payments and you will rapidly see the quantity and diversity of comments drop dramaticaly.
I am convinced that the only way that high-traffic websites where vistors stay for long periods of time or visit often (ie sites like Slashdot, Fuckedcompany and gamer sites) can survive is through brand advertising.
A combination of text and graphical ads need to be used in a manner similar to newspaper or radio spots. Get rid of those retarded banner ads that nobody ever clicks and use larger, more entertaining or catchy graphics. Make ads informative. Sell ads that create a mood rather than count clicks. Run classifieds ala Popular Mechanics magazine. Be creative.
Conformity is the jailer of freedom and enemy of growth. -JFK
For your information, many serious Slashdoter are not Free Software zealots. I myself have always seen the Free Software Foundation as a haven for people who can't cope with economic reality outside an MIT dorm.
(Which is not to say that FSF and Project GNU haven't accomplished anything. Mainly they've given us the "Open Source" development model. Despite its silly ideological origins, Open Source is a viable alternative to the design-by-comittee methodology that used to prevail. Which is why KDE and GNOME have made more progress in a few years than CDE has made in over a decade. But I digress.)
I value Slashdot because it's a gathering place for people involved in the cutting edge of technology. Many have silly ideas about how the world works, but hey, they're hardly unusual in that respect! Naturally there are a lot of people who are into Open Source -- because a lot of important work is being done there.
This is a place to share ideas. That assumes a certain degree of respect for those you disagree with. If you have honest opinions, let's hear them. But if you just want to spout bigoted insults, go call Rush or Dr. Laura. They actually want to hear from you.
Look, this not a radical concept. Most of the growth of the internet is fueled by commerce, and you can't have commerce without a medium of exchange. So far we've piggybacked the credit-card system, but that's got serious drawbacks, such as fraud, overhead (the fees the banks get for these transactions are absurd), the sheer complexity of making a transfer, and the inability to handle small transactions.
(Paypal and its competitors are a slight improvement, mainly because they make the system accessible to people who can't get credit card merchant accounts. But they're still part of the system, and suffer from most of its limitations.)
I can go to a book or magazine store and buy all kinds of content for prices as small as a few dollars. (As small as 25 cents, if you count advertising-subsidized content.) Why can't I do the same thing online? Why is content pricing actually less flexible online? Why can't I read just one article in the Wall Street Journal without paying for a whole newstand copy -- or subscribing to their whole web site for a monthly fee?
I understand (though I do not accept) why the electronic version of the latest bestseller actually costs more than the hard copy version. (The technical term is "canibalizing your existing market".) But why can't I pay some struggling writer to read his work online? Even if I only give him a few cents, that's more than he'd get otherwise -- and possibly as much as he'd get from a "real" publisher!
The answer is simple: I can't do these things because there's no transaction system in place. Maybe Cartio and Millicent are not the answer, but nobody seems to have an informed opinion as to why.
Simple: the population is so used to free content that outside of online pr0n, few folks are willing to pay for it, period. If the online papers, etc. had stuck to their guns and charged maybe $3/month (.10/day wouldn't be bad for the NYTimes, say) for reading their content online, maybe there would be some precedent that would give micropayments a foot in the door, but when I can get news, make reservations, do my banking, etc., online without fees, and can download e-books for $5 via Paypal or debit card, what's out there that's so compelling I'd sign up for YA payment account?
If you have karma issues, I doubt if it has anything to do with "groupthink". I've managed to stay in the high 40s for months, despite criticisms of such popular totems as "free" software, Sealand, and Vernor Vinge. (Not to mention occasional offtopic rants like this one.) If you're having trouble getting people to listen to your ideas, maybe you need to look to how you express them.