2020 Coronavirus Merch Run

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Not gonna lie, I saw something like this coming, which is why I placed my order as soon as they came up. If history has taught me anything, it's that the powers that be do not want me to give null money, which is as good of a reason as any other to give him money in exchange for meme shirts and dank podcasts. Null is the public enemy of every payment processor on this planet, I swear.
 
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Not gonna lie, I saw something like this coming, which is why I placed my order as soon as they came up. If history has taught me anything, it's that the powers at be DO NOT want me to give null money, which is as good of a reason as any other to give him money in exchange for for meme shirts and dank podcasts. Null is the public enemy of every payment process on this planet, I swear.
Almost all orders were made in the first 24 hours.
 
While my optimism is of no help to Null and I don't know his threat model, I do believe mid-tier businesses are more robust. A large vendor such as Amazon doesn't care about you, and the bank doesn't care about a new vendor, but I hope (I must hope) they wouldn't take seriously a complaint like "Please refuse further service to your established client The Calico Street Bike Store, they sell a t-shirt with a design I don't like",
I'm pretty sure numerous hosts have dumped the Farms after receiving complaints, even after having been told the site would generate complaints.
 
If they can't say which bank it is, or what the reason behind it is, or anything like that, it's probably that someone somewhere suspects money laundering.

I don't know about where Null is, but here in bongland money laundering rules are thus. If you have reason to suspect money laundering (large cash transactions, payments in cryptocurrency, money coming from or going to a high risk jurisdiction for money laundering, politically exposed persons being involved, transactions that make little commercial sense, etc.) you have to report it up the chain and the person at the top then decides whether or not to make a disclosure to the FCA or NCA. However, regardless of whether one is made, you can't tell anyone, ever, that you've made a money laundering report as that's tipping off. You also have to stop dealing with the subject of the report.

From a risk viewpoint, the Farms could well look like money laundering. Bitcoin is accepted. Laughing at autists may be amusing but it makes little sense from a commercial viewpoint. It's a place for money to go into and not come out. Now you know and I know that it isn't money laundering because there's not all that much scope for the placing and layering that characterises same. But imagine some cubicle drone looking through all this and not using their brain because they're not paid to, and there you have it.
Or Sam (m) called every bank on the continent and called null a paedo. Occams razor.
 
Their bank is fake and gay. You would *think* that during this time of recession, they would not be interfering with free commerce. A man is selling some shirts. They aren't expensive enough shirts that you'd expect an 8 ball to come packaged with them, or any other illegal option.

I've seen other very weird restrictions being issued by banks and credit unions lately. For example their fraud alert messaging service cannot be used to discuss a laundry list of "immoral" things like gambling, alcohol, tobacco... and.... get this.... the funeral industry. I'm serious. funeral homes and mortuaries may NOT be discussed. Oh okay, so if your grandma dies of the coof, you better pay for that casket in cash because if anything goes wrong with your CC transaction, you are not allowed to discuss it over SMS with the bank because it's "death related." What the fuck!

1984 was not an instruction manual!
 
What have we learned here? Online boolies don't deserve to wear clothes. Oppressed furries deserve to fuck animal dicks.

You'd think during such an abrupt economic downturn they'd be thrilled to have the business.

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@Null have you considered using a simplified design and doing the printing yourself? It's really not that hard if you can get it down to one color once you get all the shit figured out. The only hard part would be accepting payment. Don't imagine too many people wanna send bitcoin or cash in the mail.
 
There are open-source cryptocurrency payment processors out there (BTCPay Server is one I have heard of). Many of the super-high-risk vendors I have done business with have moved customer-facing payment operations almost completely over to crypto-based platforms (with some P2P money transfer platforms included as well, and bank transfers accepted as an option for B2B transactions or unusually large customer orders). Given how things are going now, I think the Farms might have to go a similar route.
 
@Null have you considered using a simplified design and doing the printing yourself? It's really not that hard if you can get it down to one color once you get all the shit figured out. The only hard part would be accepting payment. Don't imagine too many people wanna send bitcoin or cash in the mail.
there's nothing wrong with our merchandise supplier. it's the banks.
 
Off the phone with the Risk team.

1. Only orders placed on the business day of April 6th were not settled. If you placed an order on April 6th (about 50 orders), you should receive your money back. You will be getting an email from the system when I cancel your order. If you placed your order on the business day of April 6th and do not receive a cancellation email, contact me.

2. Settled funds from prior business days will be held up to 120 days.

3. This decision was made by a bank she could not name for reasons she could not name, citing only they "cannot support our business model".

4. I will get a callback from a senior risk manager within 48 hours but she warns me they cannot say anything more than what I've already been told.


I will be refunding affected orders. My priority is to try and speed up the settlement. Otherwise, I may have to ask for printing and fulfillment on credit.

This affects 5% of sales.
I never got an answer when I asked this before the merch run started, but if I pay you directly with bitcoin (plus shipping and a little extra) would I be able to get a hoodie?
 
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This is pretty standard in a high risk sector. You either need to build up years of trust and/or leave enough money in the merchant account to cover X months of refunds. If you have a fresh account and withdraw too frequently you'll get flagged and they will force you to keep funds in the account.

The 120 days is because that's the standard length of a chargeback. Whether or not they trust Null is irrelevant. Null needs to prove either his customers are trustworthy or he has the cash to pay back the bank if things go south.

It's possible that it's the past history of the buyers that has gotten Null into trouble rather than anything Null has done himself.
 
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All money is in limbo, except payments made on April 6th. Those payments are not being settled and will be returned.
You can keep my money as a donation to the site. I ordered before the 6th. I can forward you the email confirmation for my order with my KF username if you want.
 
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