Recent content by Maxwell83

  1. M

    Refunding customers that are wrong for efficiency - Is it unfair to other customers?

    For me, thats the type that I would refund without issue - not compliant, doesn't achieve the advertised goal. Its justified IMO. My own example above, where the website specifically says "it doesn't do XYZ!!", are the type I deem unjustified.
  2. M

    Refunding customers that are wrong for efficiency - Is it unfair to other customers?

    Real life example - just under the product selection dropdown box on the order form, it says something to the effect of "if you are looking for XYZ, order product 2 because product 1 doesn't provide XYZ". That same statement is repeated in the T&C's, in the FAQ's, I even have a special warning...
  3. M

    Refunding customers that are wrong for efficiency - Is it unfair to other customers?

    Its bundles of PDF documents. The biggest issue being that anything I would need to do to add a remote 'kill switch' or similar would add time to every single sale, when the idea is a fast turnover with as little work as possible. I do agree. Its just easier, and therefore cheaper (time is...
  4. M

    Refunding customers that are wrong for efficiency - Is it unfair to other customers?

    Okay, weird question but its been bothering me lately. I serve about 1,200 unique customers a month through my website, and around 1 in 500 will be a customer with an unjustifiable complaint - like blaming a user error on the product and demanding a refund. Its not a physical product I sell...
  5. M

    Wealth beyond any imagination

    Agree. A person's value for salary purposes is loosely based on their financial value to the entity that pays them. It has literally zero correlation to their value to humanity. Society often conflates the two and we hear statements like "nurses should be paid what footballers earn", but sadly...
  6. M

    How to prevent Card Testing

    Thanks, I've turned off Link - hardly any of my customers have actually used it and I don't expect the lack of it will turn people away; they don't even know the feature is available until they're checking out so they've clearly decided to pay before knowing Link was an option. In other words, I...
  7. M

    How to prevent Card Testing

    The site has been runing for coming up on 8 years soon. Always with Gravity forms & Stripe. The issue started around 6 months ago - the same time I started accepting Stripe's Link payments! Having turned that off now, I will monitor and see if the issue persists.
  8. M

    How to prevent Card Testing

    I've just noticed that 99% of these attempts are using the Stripe 'LINK' option - I've turned that off temporarily so will see how that goes.
  9. M

    How to prevent Card Testing

    I have 2 websites both built on Wordpress, using gravity forms with Stripe payment integration. I have noticed that both site will get hit by a wave of card testers at the same time every day, for about 30 minutes. They rarely even try and submit the payment - most attempts show in Stripe as...
  10. M

    Pay 20222/23 Dividends

    No, they are not declared retrospectively. The act of declaring a dividend is not the act of preparing the accounts. The dividend was either declared prior to 6th April or it was not. It is a question of fact whether a dividend has been declared or not, it is not something that can be decided...
  11. M

    Dividend Waiver

    Do you have an accountant? I can tell you what mine told me when I had this idea (which seemingly almost every husband & wife company suggests to him at some point for the exact same reasons) - its not a good way to do it. You're waiving your dividend on what sounds like a regular basis, which...
  12. M

    Lazy Girl Jobs

    Lazy people aren't new. Its just TikTok that's new. This is just a new way to showcase something very old - people doing the absolute bare minimum required at work so they can do other non-work stuff. You can't seriously believe this is some catastrophic new business-world ending phenomenom...
  13. M

    Help with attracting brand owners to new shopping app that diverts traffic to their site.

    Are there already browser extensions that do this? I recall seeing offerings for extensions like this, but admittedly I've never insatlled one - which brings me to my main point, being is there really a large enough market of Amazon/eBay shoppers that would use this? You probably know already...
  14. M

    Pension providers which allow card payments from Employer?

    Yes, £40k total. If you exceed that, there is a tax charge on the amount of contributions that exceed your allowance. However you might be able to carry forward unused allowance from previous years in some circumstances.
  15. M

    Pension providers which allow card payments from Employer?

    If you pay into a SIPP, you get money out of the company with corporation tax relief applied. The money can then grow with no tax on any investment gains, and tax is only paid when you withdraw it from your pension (with a 25% tax free lump sum). Compare that to investing via the company - you...
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