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This is a good move, but still fairly lax (I'd personally like a reminder after as little as 2 months). This difference in preference by users and the top comment with an example of the reversed strategy used by a shady dating site, surface the point that pushing this responsibility to the providers doesn't scale.

What we need is good UX for users to manage their various recurring payments, and cancel them by easily blocking payments to specific companies. That's one thing Paypal for instance does right with its "automated payments" dashboard.

The current system of customers having to trust companies by default doesn't work in a market where antisocial behaviour is not more heavily punished.




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