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Credit unions rely entirely on third parties for their infrastructure. FIS, Fiserv.

Doubt Goldman Sachs can’t see it either - would make dispute handling and fraud prevention near impossible.



Regardless of who handles the underlying payment rails (FIS, Fiserve, GS) it is the agreement that the payment processor has with the issuing bank that determines the ability to re-sell tx data to 3rd parties.

Apple and Credit Unions have specifically put in place guardrails to protect their customer’s data. All other CC issuers optimize for the extra revenue at the expense of their user’s privacy.


I happen to know dispute handling was challenging for GS to implement for the Apple Cards.




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