#refund sector

[refund-specialist-system]

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[squircatlies]

Hey, look at this cool earring I made purely for aesthetic purposes without any message behind it whatsoever.

Completely unrelated, I've been thinking of writing some words on small metal cylinders (like for example "live" "laugh" "love"), but I already cut my finger making this so I don't think engraving them is the best idea. Maybe I could use a marker, but I'd have to find one that doesn't smudge or some way to seal the ink.

Have I mentioned that I do not condone murder and violence and am not in any way a threat to any big corporations or their ceos?

(Serious rant below the cut)

The healthcare business is unethical. This is a global issue. Artificially inflated prices caused by privatization and monopolization of the medical industry affect everyone all over the world.

I do not live in America and do not have to deal with medical debt, but still have some medical expenses (though by no means am I struggling) and both medicine and medical procedures not covered by insurance or refunded by the government can be quite costly.

I hope that with more eyes on this issue more legislature will be passed to control the profit margins in the medical sector and pressure the insurance companies to do their job and stop denying people the care they need. It is sad that it took a shooting for this topic to come up on the public forum as more than a footnote, but it would be a waste not to use this moment to push for a meaningful change.

[verycleverboy]

A spicy headline for an alarming state of affairs. Via the Intelligencer section of New York Magazine:

The world’s richest man may now have access to the confidential personal information of every taxpayer in the United States. According to a New York Times report, Treasury Secretary Scott Bessent on Friday granted Elon Musk and his minions at the faux-agency DOGE full access to the Treasury’s massive federal payment system. As with the rest of Musk’s wide-reaching project within the U.S. government under Donald Trump, it’s not at all clear what he plans to do with this unprecedented access. Also on Friday, the top civil servant at the Treasury Department, David Lebryk, was apparently ousted after he refused to give Department of Government Efficiency officials access to the system — or rather, per the Times, he “was put on leave and then suddenly retired on Friday after the dispute, according to people familiar with his exit.” Lebryk had worked at Treasury for three decades, and had been the Trump-named acting Treasury secretary until Bessent was confirmed by the Senate on Monday.

(full article)

Slate Magazine's Mark Joseph Stern sees a lot of Elon's post-takeover Twitter playbook in what the "first buddy" has done so far under the new regime, and he's not the only one.

Even if you don't remember how broken Twitter became immediately after he seized control of the company and started unplugging servers with a pocket knife, you're probably more than a little nervous right now about the entire system being placed in the hands of an unelected private citizen with no federal oversight who was effectively handed a blank check and instructions to go fucking nuts. And if you are nervous, that's because Elon hovering around the government is already having drastic consequences far beyond who gets paid for what, as Stern points out:

He’s taking total control, moving fast and breaking everything, and just assuming somebody else can clean up the damage later. But the federal government is not a private company. It cannot be run or gutted like a private company without horrific consequences down the line. Let me give you a perfect example of why I think Musk’s approach is so dangerous. As everybody knows, there was a plane crash in D.C. on Wednesday. A helicopter collided with a passenger plane and almost 70 people died. When this collision occurred, the Federal Aviation Administration was leaderless. Why? Musk had Trump fire the former FAA leader as soon as he got into office, because the former leader had investigated and fined one of Musk’s companies, Starlink. This was a sheer vengeance firing. This was not about competence or even truly about political affiliation. Elon Musk was just mad at this guy for investigating his company and wanted him gone on Day 1. Because of that, the FAA was leaderless during the biggest aviation disaster in this country since 2001. The agency had to scramble to figure out how it was going to respond to this without anyone at the top. And by the way, the day after the crash, FAA employees—including air traffic controllers, who are already badly short-staffed—got an email encouraging them to resign and find work in the private sector. This is not a game. Federal workers are not just pawns you can move around the board and reassign and purge without massive collateral damage to the entire country and its citizens. The FAA is just one example of many.

(full transcript)

And now he has full access to the Treasury payment system. Just in time for tax season, too. Hope your plans for that refund are flexible, just in case.

[mantra4ia]

So in the private sector: Elon Musk wants to create a "Financial Ecosystem" of peer-to-peer payments moving money in and out of traditional bank accounts.

And in his unfettered access as a public figure and leader of DOGE: he has access to your personal identifying information, bank accounts, and the entire payment structure of the US Treasury to piggyback off of at will.

A smooth criminal. He has all the resources he needs for a) his own personal enrichment, b) mass fraudulence, and theoretically c) mimicking various functions of the US Treasury, because why get your tax refund via direct deposit to your bank account when you could use X Money.

Ain't nobody sweating these dots?

#fElon

[jcmarchi]

Joe Philleo, Founder & CEO at Edia – Interview Series

New Post has been published on https://thedigitalinsider.com/joe-philleo-founder-ceo-at-edia-interview-series/

Joe Philleo, Founder & CEO at Edia – Interview Series

Joe Philleo, the co-founder and CEO of Edia, leads the development of an AI-powered math platform designed for teachers and students, aiming to improve outcomes on state exams. The platform operates on the belief that education plays a crucial role in shaping individuals’ life trajectories. Edia’s mission is to create technology that ensures every student has access to an exceptional educational experience.

Currently, Edia collaborates with over 100 school districts across the United States, including prominent ones such as Fulton County, Loudoun County, and Palm Beach. These partnerships have demonstrated measurable success, with annual improvements in state math exam performance ranging from less than 2% to as much as 5-12%.

You made the bold decision to drop out of USC to work with Joe Lonsdale at 8VC, gaining exposure to groundbreaking tech projects. What were some of these projects?

Working with Joe Lonsdale at 8VC was an incredible opportunity. I left school when I was 20 years old to join his team, and it was my first exposure to Silicon Valley. Working in venture capital feels like living in the future—I met a lot of very smart people who were building self-driving cars, AI doctors, VR glasses, and new software systems to dramatically improve industry.

I spent a lot of time focused on defense, government, and education. I learned a lot. My biggest lesson from 8VC was the demystification of Silicon Valley. I grew up in Indiana, far away from any of this stuff. But spending time with Joe Lonsdale and other great entrepreneurs and investors made me understand that I could also make progress on solving big problems.

You’ve mentioned feeling disappointed that few top Silicon Valley teams were focused on K-12 education, which led you to start Edia in 2020. What specifically motivated you to tackle this gap in the education sector, and why did you feel the timing was right to launch Edia?

School has always been a personal obsession for me. I had three incredible teachers growing up who changed the trajectory of my life, and I also had some very bad experiences with teachers that pulled me in the other direction. Early on, I experimented with different ideas for how we could improve school. In 11th grade, I made a website called “booksarelong.com” to crowdsource AP textbook notes, and in college my friend and I applied Google’s PageRank algorithm to Wikipedia to build microcourses for all of human knowledge.

The real turning point came in 2020. Before then, only 10% of students in the United States had their own school-issued device, which severely limited how teachers and schools could use technology in their classrooms. Then, almost overnight, we went from 10% to 90% of students having devices because of the Covid-19 pandemic. In June 2020, OpenAI launched GPT-3, and it was clear that this was the moment to build something that could shape K-12 education.

What were the initial challenges you and your team faced when building Edia? How did you overcome them?

From the beginning, our team has been led by incredible engineers and designers. So, building our breakthrough math product wasn’t easy, but it also wasn’t the hardest part. As outsiders to the space, it took us a long time to distinguish our breakthrough AI math solution from legacy products that made big claims but rarely delivered. We felt that we had to distinguish Edia by showing real impact, which led us to guarantee growth for districts that use Edia—i.e. if they don’t see measurable results within one year of implementing, we offer a full refund. That promise has been a game-changer for building trust.

Can you explain how Edia’s AI math coaching works to provide real-time, personalized feedback for students?

One of the surprising things we realized early on was how little progress had been made in math learning software. Even fundamental challenges like “how do you easily do math on a computer keyboard?” hadn’t been solved before. We invented a completely new way for students to type math, inspired by Pinyin—the method Chinese and Japanese speakers use to type thousands of characters on a keyboard. This innovation makes it easier for students to show their work on a computer than on paper. Once the work is digital, AI can analyze it to understand the student’s thinking, identify where they went wrong, and deliver personalized inline feedback. The learning experience adapts to each student’s needs in real-time.

How does your platform use data to support teachers with small group instruction and data-driven lesson planning?

Small group instruction is one of the most impactful strategies for secondary math teachers, but it’s also one of the hardest to execute. Teachers often have 120 students across multiple classes and subjects, and it’s nearly impossible to pinpoint every student’s gaps, band them together, and create personalized lessons for each group. That’s where Edia comes in. Our platform automatically collects data from classroom assignments, quizzes, and homework to map out exactly where each student is struggling. Then Edia automatically forms small groups and generates customized lesson plans and practice tailored to their needs. This makes small group instruction manageable for teachers and has a huge impact on student outcomes.

Chronic absenteeism is a significant challenge in many districts—how does Edia’s platform address this issue uniquely with AI?

Chronic absenteeism—defined as missing 10% of school or more—has doubled since 2020, and it’s one of the biggest challenges districts face today. The key to solving chronic absenteeism is twofold: districts need to (1) understand and address why students are missing school and (2) rebuild the community’s expectation that coming to class matters. Our platform uses AI to engage parents within minutes of a student missing class to ask why their child is absent.

This interaction reinforces the importance of attendance, and it helps administrators understand the root causes of absenteeism—whether it’s issues with a specific teacher, social anxiety, lack of transportation, or something else. Armed with this information, schools can take meaningful action to address the problem.

Could you tell us more about the AI-driven, multilingual communication system and how it helps to engage families in real-time?

Engaging families effectively requires breaking down communication barriers. Many schools struggle to connect with parents who speak different languages or don’t check traditional forms of communication. Our AI-driven platform tackles this by sending real-time messages in the family’s preferred language, using conversational AI to bridge the gap. For example, if a student misses class, the system immediately reaches out to that family in Spanish, Chinese, Arabic, or any other language to let the family know and ask for an explanation – and parents can easily just reply back. It ensures families stay informed and engaged, while also helping schools address issues proactively. It’s about creating a two-way dialogue that fosters trust and accountability.

What is your long-term vision for Edia? How do you see the platform evolving in the next few years?

Our mission is for every student to have an exceptional experience in school. We want kids to look back 20 years after graduating and think, “Wow, I was really lucky. I had such a great time in school.” That’s the kind of lasting impact we’re aiming for. Right now, we’re focused on solving challenges that block students from succeeding. We began by making math accessible for everyone, and we’ve been able to accelerate growth on state exams from 0-2% per year to 8-23% per year, which is incredible. This year, we launched our AI solution to address chronic absenteeism, which is another critical barrier for many students to succeed.

But the possibilities are endless. From improving school budgeting to rethinking the design of school buildings—why do so many schools look like prisons?—to tackling critical issues like school safety, there’s so much to be done. Schools should be places that inspire, support, and protect kids. We see it as Edia’s mission to take on these challenges and ensure schools provide the best environments for growth and learning.

How do you see AI shaping the future of K-12 education?

One of the most exciting possibilities with AI is solving what’s known as Bloom’s Two Sigma Problem. In 1984, Benjamin Bloom found that replacing classroom instruction with one-on-one tutoring could improve student performance by two standard deviations, bringing an average student to the top of their class. But the problem is scale: there are 60 million students in the U.S. and only about 3 million staff. We simply don’t have enough adults to provide personalized tutoring for every child.

That’s where AI comes in. With AI, we have a real chance to give every student the benefits of a tutor. AI can scale this kind of personalized instruction in ways that were never possible before, helping every child reach their full potential.

What is the most rewarding part of your work at Edia, and how does it align with your personal mission in education?

It’s seeing the impact we’re having in such a diverse range of schools and students. We work with large urban districts like Fulton County in Georgia, New York City, and Palm Beach in Florida. At the same time, we’re also helping some of the smallest, most remote schools in northern Alaska, where the only way to get there is by seaplane or boat.

Knowing that students anywhere in America—whether in the heart of New York City or in a tiny Alaskan village—are both getting access to the same cutting-edge AI technology is really fulfilling. We’re giving these kids the experiences, confidence, and support they need to reach their goals, no matter where they are or what their circumstances might be. It’s an incredible privilege to play even a small role in shaping their futures.

Thank you for the great interview, readers who wish to learn more should visit Edia.

[succikko-nebulae]

Nevermind actually tit yeet over it costs almost 4000 on top of what's refunded bc the only surgeon who can do it to me is in the private sector bc I'm fat

[insert-witty-user-name-here]

50+ Good Things from the Biden Administration

Just a list of 50+ good things the Biden Administration has done in the last 4 years because I’ve been hearing too much rhetoric that it doesn’t matter who you vote for. It does make a difference. 

Increased access to healthcare and specifically codified protections for LGBTQ+ patients against discrimination. (x) 

Strengthened women's reproductive rights by increasing access to reproductive health care, improving confidentiality to protect against criminalization for patients receiving reproductive care, and revoked Medicaid waivers from states that would exclude providers like Planned Parenthood, and more. (x)

Expanded healthcare and benefits for veterans through the PACT Act (x)

Cemented protections for pregnant and postpartum workers through the Pregnant Workers Fairness Act and PUMP for Nursing Mothers Act. 

Improved access to nursing homes for those who receive Medicaid services and established, for the first time, a national minimum staffing requirement for nursing homes to ensure those in their care receive sufficient support.  (x) 

Lowered healthcare costs for those with Medicare which capped insulin for seniors at $35 a month, made vaccines free, and capped seniors’ out of pocket expenses at the pharmacy through the Inflation Reduction Act. 

Fully vaccinated 79% of American adults against COVID-19 (I know this is old news now this is a big deal) 

Banned unfair practices that hide housing fees from renters and homebuyers when moving into a new home (x) 

Reduced the mortgage insurance premium for Federal Housing Administration (FHA) mortgages and clarified that inflated rents caused by algorithmic use of sensitive nonpublic pricing and supply information violate antitrust laws. (x) 

Increased protections for those saving for retirement from predatory practices. (x)

Helped millions of households gain access to the internet through the Affordable Connectivity Program. (x) 

Restored net neutrality (net neutrality is a standard which ensures broadband internet service is essential and prohibits interna providers from blocking, engaging in paid prioritization, and more.) (x)

Increased protections for loan holders as well as increased access to loans (x)

Cut fees that banks charge consumers for overdrawing on their accounts. (x)

Reaffirmed HUD’s commitment to remedy housing discrimination under the Fair Housing Act (which was– surprise, surprise– halted under the Trump administration). (x)

Rejoined the Paris Climate Accords.  

Listed more than 24 million acres of public lands across the country as environmentally protected and has channeled more than $18 billion dollars toward conservation projects. (And revoked the permit for the Keystone XL pipeline amongst others). 

Invested $369 billion to reduce greenhouse emissions and promote clean energy technologies through the Inflation Reduction Act. Through the tax incentives under the Inflation Reduction Act, renewable energy (such as wind, solar, and hydropower) has surpassed coal-fired generation in the electric power sector for the first time, making it the second-biggest source of energy behind natural gas. (x)

Strengthened protections against workplace assault through the Speak Out Act. (x) 

Increased protections for workers during the union bargaining process (x)

Is making it easier for passengers to obtain refunds when airlines cancel or significantly change their flights, significantly delay their bags, or fail to provide extra services when purchased. (x)  

Invested $1.2 trillion into roads, waterlines, broadband networks, airports and more allowing for more bridges, railroads, tunnels, roads, and more through the Inflation Reduction Act (which also added 670,000 jobs). (idk about you but I like driving on well maintained roads and having more rail options).  

Strengthened overtime protections for federal employees (x)

Raised the minimum wage for federal workers and contractors to $15. (x)

Strengthened protections for farmworkers by expanding the activities protected from retaliation by the National Labor Relations Act and more. (Previously anti-retaliation provisions under the National Labor Relations Act applies mostly to only U.S. citizens) (x)

Invested $80 billion for the Internal Revenue Service to hire new agents, audit the wealth, modernize its technology, and more. Additionally, created $300 billion in new revenue through corporate tax increases. (x) 

Lowered the unemployment rate to 3.5% — the lowest in 50 years. 

Canceled over $140B of student debt for nearly 40 million borrowers. (x)

Strengthened protections for sexual assault survivors, pregnant and parenting students, and LGBTQ+ students in schools through an updated Title IX rule. This updated rule strengthens sexual assault survivors rights to investigation– something that had been gutted under the Trump administration, strengthens requirements that schools provide modifications for students based on pregnancy, prohibits harassment based on sexual orientation or gender identity, and more. (x)

Revoked an order that limited diversity and inclusion training. (x)

Cracked down on for profit colleges. (x)

Reaffirmed students’ federal civil rights protections for non-discrimination based on race, national origin, disability, religion, sexual orientation, gender in schools. Specifically, the Department of Education made clear students with disabilities’ right to school, limiting the use of out of school suspensions and expulsions against them. (x) (x) 

Enhanced the Civil Rights Data Collection, a national survey that captures data on students’ equal access to educational opportunities. These changes will improve the tracking of civil rights violations for students, critical for advocates to respond to instances of discrimination. 

Provided guidance on how colleges and universities can still uphold racial diversity in higher education following the Supreme Court decision overturning affirmative action. (x) 

Issued a federal pardon to all prior Federal offenses of simple possession of marijuana. Additionally, the DEA is taking steps to reclassify marijuana as a Schedule III substance instead of a Schedule I, limiting punishment for possession in the future. (x) 

Changed drug charges related to crack offenses, now charging crack offenses as powder cocaine offenses. This is a big step towards ending the racial disparity that punishes crack offenses with greater severity than offenses involving the same amount of powder cocaine. (x) 

Lowered the cost of local calls for incarcerated people through the Martha Wright-Reed Just and Reasonable Communications Act as well as increased access for video calls (especially impactful for incarcerated people with disabilities). (x) 

Enacted policing reforms that banned chokeholds, restricted no-knock entries, and restricted the transfer of military equipment to local police departments. (x)

Established the National Law Enforcement Accountability Database (NLEAD) which will better track police officer misconduct. This database will vet federal law enforcement candidates who have a history of misconduct from being rehired and will make it easier and faster to charge police officers under the Death in Custody Reporting Act. (x) 

Added disability as a protected characteristic alongside race, gender, religion, and sexual orientation. Under the law, police officers are prohibited from profiling people based on these characteristics. …It sadly happens anyway but now there’s an added legal protection which means a mechanism to convict police officers should they break the law. (x) 

Required federal prisons to place incarcerated individuals consistent with their chosen pronouns and gender identity. (x) 

Expanded gun background checks by narrowing the “boyfriend” loophole to keep guns out of the hands of convicted dating partners, strengthening requirements for registering as a licensed gun dealer (closing the “gun show loophole”), and more through the Bipartisan Safer Communities Act.  (x) 

Increased mental health programs within police departments to support officers experiencing substance use disorders, mental health issues, or trauma from their duties. (x)

Lifted Trump era restrictions on the use of consent decrees. The Justice Department uses consent decrees to force local government agencies (like police departments) to eliminate bad practices (such as widespread abuse and misconduct) that infringe on peoples’ civil rights. (x) 

Improved reporting of hate crimes through the COVID-19 Hate Crimes Act (x) 

Nominated the first Black woman to sit on the Supreme Court 

Confirmed 200 lifetime judges to federal courts, confirming historic numbers of women, people of color, and other judges who have long been excluded from our federal court system. (64% are women, 63% are people of color) 

Designated Temporary Protected Status (TPS) status for immigrants from Cameroon, Haiti, ​​El Salvador, Haiti, Honduras, Nepal, Nicaragua, Sudan, and more. (x) 

Ended the discriminatory Muslim and African bans (x). 

Provided a pathway to citizenship for spouses of U.S. citizens that have been living in the country without documentation. (x) 

Expanded healthcare to DACA recipients (x) 

This one is… barely a win but not by fault of the Biden Administration. The Department of Homeland Security as of Feb 2023 has reunited nearly 700 immigrant children that were separated from their families under Trump’s Zero Tolerance Policy. From 2017-2021, 3,881 children were separated from their families. About 74% of those have been reunited with their families: 2,176 before the task force was created and 689 afterward. But that still leaves nearly 1,000 children who remain tragically separated from their families from under the Trump Administration. (x)

(okay this one is maybe only exciting for me who’s a census nerd) Revised federal standards for the collection of race and ethnicity data, allowing for federal data that better reflect the country’s diversity. Now, government forms will include a Middle Eastern/ North African category (when previously those individuals would check “white”). Additionally, forms will now have combined the race & ethnicity question allowing for individuals to check “Latino/a” as their race (previously Latine individuals would be encouraged to check “Latino” for ethnicity and “white” for race… which doesn’t really resonate with many folks). (x) (I know this sounds boring but let me tell you this is BIG when it comes to better data collection– and better advocacy!).

Rescinded a Trump order that would have excluded undocumented immigrants from the 2020 Census which would have taken away critical funds from those communities. 

Required the U.S. federal government and all U.S. states and territories to recognize the validity of same-sex and interracial civil marriages by passing the Respect for Marriage Act, repealing the Defense of Marriage Act.

Reversed Trump’stransgender military ban. 

Proposed investments in a lot of programs including universal pre-k, green energy, mental health programs across all sectors, a national medical leave program for all workers and more. (x) 

Last… let’s also not forget all the truly terrible things Trump did when he was in office. If you need a reminder, scroll this list, this one mostly for giggles + horror, for actual horror about what a Trump presidency has in store, learn about ‘Project 2025’ from the Heritage Foundation. I know this post is about reasons to vote FOR Biden but let’s not forget the many, many reasons to vote for him over Trump. 

So, there it is, 50+ reasons to vote for Biden in the 2024 Election. 

Check your voter registration here, make a plan to vote, and encourage your friends to vote as well. 

All in all, yeah… there’s a lot of shitty things still happening. There’s always going to be shit but things aren’t going to change on their own. And that change starts (it certainly doesn’t end) with voting. 

Go vote in November. 

[xettle-technologies]

What are Payout Solutions and How Do They Simplify Business Payments?

In today’s rapidly evolving financial landscape, businesses are constantly looking for efficient, reliable, and cost-effective ways to manage payments. Whether it’s paying employees, suppliers, or customers, seamless and error-free payment processes are critical for operational success. This is where payout solutions come into play. A payout solution is an advanced payment processing system that automates and simplifies bulk payments, ensuring businesses can send funds securely and quickly.

What are Payout Solutions?

Payout solutions refer to platforms or systems that enable businesses to distribute payments to multiple beneficiaries seamlessly and efficiently. These beneficiaries can include employees, vendors, freelancers, customers, or even stakeholders. By leveraging modern technology, payout solutions allow businesses to process bulk payments through a single interface, eliminating manual processes and reducing the chances of errors.

Payout solutions are particularly essential for businesses that deal with large volumes of transactions daily. Sectors such as e-commerce, fintech, gig economy platforms, and other industries rely heavily on streamlined payout systems to ensure their financial operations run smoothly.

For example, companies can use a payout solution to disburse salaries, refunds, commissions, incentives, or vendor payments at scale with minimal human intervention.

How Do Payout Solutions Work?

A payout solution works as a bridge between a business and its payment recipients. It integrates with the business’s financial system or software and streamlines the process of transferring funds. Here’s a step-by-step breakdown of how payout solutions operate:

Integration: The payout system integrates with the business’s existing financial software or banking platform to access required data, such as payment amounts and recipient details.

Bulk Upload: Businesses upload payment details, including beneficiary names, account information, and amounts, into the platform. This can often be done via a file upload or API integration.

Payment Processing: The payout solution processes the payments using multiple payment modes, such as bank transfers, UPI, NEFT, IMPS, wallets, or card-based systems.

Verification and Approval: Before releasing funds, the system verifies all recipient details to avoid errors or payment failures. Businesses can also set up approval workflows to ensure security and compliance.

Disbursement: Payments are disbursed instantly or as scheduled, depending on the system’s configuration and business requirements.

Notifications: Once payments are completed, recipients are notified via email, SMS, or other communication channels. Additionally, businesses receive confirmation reports to maintain records.

How Payout Solutions Simplify Business Payments

Payout solutions offer a variety of features that help businesses simplify their payment processes. Some of the key benefits include:

Automation of Payments One of the most significant advantages of payout solutions is automation. Businesses no longer need to process payments manually, which can be time-consuming and prone to errors. Automated solutions allow bulk payments to be processed quickly and accurately.

Multiple Payment Modes Modern payout systems provide businesses with flexibility by supporting various payment methods, including bank transfers, UPI, mobile wallets, and more. This ensures payments can be sent according to the preferences of recipients.

Real-Time Processing Traditional payment methods often involve delays, especially when dealing with bulk transactions. Payout solutions offer real-time or near-instant payment processing, ensuring recipients receive funds promptly.

Cost and Time Efficiency Manual payment processes require significant time and resources, leading to operational inefficiencies. By using a payout solution, businesses can reduce administrative costs and save valuable time that can be allocated to core operations.

Improved Accuracy and Security Errors in payment processing can cause delays, mistrust, and additional costs. Payout solutions use robust verification mechanisms to minimize errors and enhance security. Additionally, many systems comply with financial regulations, ensuring safe transactions.

Seamless Reconciliation Payout solutions simplify the reconciliation of payments by providing detailed transaction records and reports. Businesses can easily track completed, pending, or failed transactions, making financial management more transparent and organized.

Enhanced Customer and Vendor Experience Fast and error-free payments improve the overall experience for customers, vendors, and employees. For instance, e-commerce platforms can use payout systems to ensure quick refunds, leading to improved customer satisfaction and loyalty.

Payment Solution Providers and Their Role

Payment solution providers play a crucial role in the success of payout systems. These providers offer the technology and infrastructure needed for businesses to handle complex payment processes efficiently. By offering robust platforms, they enable organizations to send bulk payments with speed, accuracy, and security.

Companies like Xettle Technologies are leading players in the payout solutions ecosystem. They provide advanced payout platforms designed to cater to businesses of all sizes, ensuring streamlined payment operations and financial management. With such providers, businesses can focus on growth while leaving their payment challenges to trusted experts.

Key Industries Benefiting from Payout Solutions

Several industries rely heavily on payout solutions to manage their financial operations, including:

E-commerce: Automating refunds, vendor payments, and cashbacks.

Fintech: Handling instant disbursements for loans and digital wallets.

Gig Economy Platforms: Paying freelancers, contractors, and service providers seamlessly.

Insurance: Disbursing claim settlements quickly to enhance customer trust.

Corporate Sector: Managing salaries, incentives, and reimbursements.

Conclusion

Payout solutions have revolutionized the way businesses manage their financial transactions. By automating and simplifying payment processes, businesses can save time, reduce costs, and improve accuracy while ensuring recipients receive funds promptly. Whether it’s paying employees, vendors, or customers, payout solutions offer a scalable and secure way to handle bulk payments effortlessly.

As payment solution providers like Xettle Technologies continue to innovate, businesses can look forward to more efficient and seamless financial operations. For organizations aiming to streamline their payouts, adopting a reliable payout solution is a step toward achieving operational excellence and enhanced financial management.

[acceptccnow]

High-Risk Credit Card Processing: Overcoming the Challenges

Article by Jonathan Bomser | CEO | Accept-Credit-Cards-Now.com

In today's ever-changing digital landscape, businesses, regardless of their size, are flocking to e-commerce to connect with a global clientele. However, for specific industries categorized as high-risk, the journey towards accepting credit card payments is riddled with distinctive challenges. High-risk credit card processing spans sectors such as CBD sales, credit repair, and others, which frequently grapple with stringent regulations and heightened scrutiny. In this piece, we dive deep into the realm of high-risk payment processing, shedding light on the obstacles that merchants face and unveiling the strategies available to expertly navigate this intricate terrain.

DOWNLOAD THE HIGH RISK CREDIT CARD INFOGRAPHIC HERE

Understanding the Complex World of High-Risk Payment Processing High-risk payment processing casts a wide net, encompassing various industries, from credit repair services to CBD product sales. This classification often arises from factors like heightened chargeback rates, intricate regulatory frameworks, or perceived risks to a company's reputation. Merchants operating in these sectors frequently encounter hurdles when seeking payment processing solutions due to these perceived risks.

The Indispensable Role of High-Risk Merchant Accounts For businesses entrenched in high-risk domains, obtaining a high-risk merchant account is of paramount importance. This specialized account is meticulously tailored to meet the unique needs of high-risk sectors. It provides a level of security and flexibility that conventional merchant accounts may not offer, allowing businesses to navigate the world of credit card payments with enhanced confidence.

Navigating the Maze of Regulatory Hurdles At the heart of high-risk credit card processing are the ever-evolving regulatory challenges. Industries such as CBD and credit repair are entangled in a web of regulations that vary across jurisdictions. Staying up-to-date with these regulatory intricacies and ensuring compliance is absolutely essential. Collaborating with payment processors well-versed in the multifaceted regulations governing these industries is a key strategy for merchants to overcome this hurdle.

Mitigating Fraud and Chargebacks High-risk sectors often contend with a higher incidence of fraud and chargebacks. This predicament can be attributed to factors such as the digital nature of transactions or the perceived risk inherent in these industries. Implementing robust fraud prevention measures, coupled with transparent product information, can bolster customer trust and reduce the likelihood of chargebacks.

The Pivotal Role of Payment Gateways in High-Risk Processing Payment gateways play an indispensable role in high-risk credit card processing. They serve as the conduits for secure and seamless transactions between merchants and customers. Opting for a payment gateway that specializes in high-risk industries equips merchants with the necessary security features and fraud detection tools to fortify transactions.

Building the Foundations of Customer Trust Operating within a high-risk sector necessitates the prioritization of trust-building with customers. Clear, transparent communication regarding product offerings, pricing, and refund policies is of paramount importance. Displaying security certifications and leveraging recognized payment logos can provide reassurance to customers, encouraging them to complete their purchases.

Selecting the Ideal Partner for Merchant Processing Services In the intricate realm of high-risk credit card processing, the choice of payment processing service provider can prove to be a game-changer. Reputable Merchant Processing Services offer tailor-made solutions for high-risk industries, encompassing CBD, credit repair, and more. Armed with expertise, merchants can navigate the labyrinthine challenges of high-risk payment processing while ensuring security, compliance, and customer satisfaction.

While high-risk credit card processing undeniably presents its share of challenges, businesses entrenched in such sectors can overcome them through strategic approaches and savvy partnerships. By securing high-risk merchant accounts, adhering to regulatory mandates, and investing in trustworthy payment gateways, merchants can assert their credibility within their industries. In an e-commerce landscape that continually evolves, embracing the distinctive demands of high-risk payment processing isn't merely a necessity; it represents a pathway to growth and success.

[gonzalez756]

12 Advantages and Disadvantages of ECommerce | Imagency Media

The rapid growth of eCommerce has transformed the way businesses operate, bringing both remarkable advantages and notable challenges. Understanding these can help businesses leverage eCommerce to its fullest potential or address its drawbacks effectively. Let’s dive into 12 key advantages and disadvantages of eCommerce.

Advantages of eCommerce

Global Reach eCommerce breaks down geographical barriers, allowing businesses to reach customers worldwide. This expansive reach helps businesses tap into new markets and grow their customer base beyond local limitations.

Lower Operational Costs Running an online store can be significantly cheaper than maintaining a physical storefront. Costs like rent, utilities, and staffing are greatly reduced, allowing businesses to reinvest savings into marketing and product development.

24/7 Availability Unlike traditional stores, eCommerce sites operate round the clock. This availability caters to customers in different time zones, providing a seamless shopping experience anytime, anywhere.

Personalization and Customer Experience eCommerce platforms can gather data on customer behavior, preferences, and purchase history, allowing businesses to offer personalized recommendations and improve the overall shopping experience.

Easy Scaling and Growth Scaling an online business is much simpler than expanding a brick-and-mortar store. Adding new products or services, targeting new demographics, and adjusting to market demands can be done quickly and efficiently.

Enhanced Marketing Opportunities Digital marketing strategies such as social media advertising, email marketing, and SEO are particularly effective for eCommerce. These channels allow businesses to target specific audiences and track results in real-time.

Disadvantages of eCommerce

Lack of Personal Touch Despite technological advances, online shopping often lacks the personal interaction found in physical stores. This absence of human touch can make it harder to build customer loyalty.

Security and Privacy Concerns With the rise in cybercrime, protecting customer data is a major concern for eCommerce businesses. Ensuring robust security measures is critical but can be costly and complex.

Dependence on Technology eCommerce heavily relies on technology, including websites, payment gateways, and software. Technical glitches, downtime, or slow-loading pages can lead to lost sales and damage to the brand’s reputation.

High Competition and Price Wars The ease of starting an online store has led to increased competition, making it difficult for smaller businesses to stand out. Price wars are common, often squeezing profit margins.

Shipping and Logistics Challenges While eCommerce allows businesses to reach a global audience, shipping products efficiently can be complex and costly. Issues like delayed deliveries, high shipping fees, and logistics mishaps can affect customer satisfaction.

Difficulty in Handling Returns and Refunds Returns are more prevalent in eCommerce, especially in fashion and electronics sectors. Handling returns and refunds can be costly and time-consuming, often eroding profit margins.

Conclusion

eCommerce offers vast opportunities for growth, flexibility, and global reach, but it also comes with challenges that businesses must address. By understanding these advantages and disadvantages, companies can better strategize and create a seamless, customer-friendly eCommerce experience.

Contact us

Imagency Media can help you navigate the eCommerce landscape, providing expert insights and tailored solutions to maximize your online success.

[refund-specialist-system]

Achieve work-life balance with the Refund Specialist System, helping young mums earn and grow from home. Discover the full story…

[dailyanarchistposts]

First, the Victory

Having the city abandon the precinct was a huge victory for the Black freedom movement in Seattle. It came after weeks of fierce clashes with police. The weekend after the murder of George Floyd saw confrontational and angry downtown riots that burned police vehicles, broke store windows, and looted merchandise. Quickly, a city curfew was imposed. Instead of dying, the protests turned into even larger mobilizations across the city and the region, even in small, mostly white bedroom communities.

Tens of thousands of people marched. On Wednesday, June 3rd, the sixth day of protests, BLM and anti-criminalization organizers from Block the Bunker, No New Youth Jail, and Decriminalize Seattle issued a series of simple and direct demands to the mayor and marched with tens of thousands to City Hall. They helped establish the goals of the protests as 1) cutting the city police budget 50%, 2) refunding community needs, and 3) releasing those arrested during protests. This marked a huge advance for the movement; the protests now had clear, ambitious demands.

The action at City Hall also put the crosshairs squarely on Mayor Jenny Durkan, with increasing calls for her resignation. The demonstrations continued throughout the week, high school students formed impromptu marches that turned into street occupations. Actions of thousands popped up in unexpected parts of the city, like the mostly white, and affluent northern sector. In the Othello neighborhood, a poorer and Blacker part of the city, organizers filled Othello park with thousands, fists in the air, chanting “Black Lives Matter.”

Meanwhile, in Capitol Hill, nightly clashes with the police were escalating. Every evening thousands gathered at police barricades constructed to protect the east police precinct building. These actions came on news that Minneapolis had burned to the ground one of their police stations. Overwhelmed, outnumbered, and exhausted, police used aggressive tactics, often charging into the crowd to push back the throngs of protestors. One young woman was hospitalized, her heart stopped after getting hit the chest with an exploding flash-bang grenade. Tear gas stung the air until one or two in the morning. This continued night after night.

[landrysg]

Here is one very simple way to see the distortions embodied in [taxing unrealized capital gains]. … Say you have a start-up, and it becomes valued at $10 billion after a quick growth spurt. But still you aren’t making money yet, but nonetheless your overall portfolio is reasonably liquid because your last company did well and you sold it. So, if I follow Jason [Furman] and the plan document correctly, in the year after that valuation you have to pay one-fifth of the tax liability on that gain, or say one-fifth of one-fourth of the $10 billion, or $500 million … Obviously you can vary these exact numbers, but the general point remains. … That just seems like a bad investment to me! … Then suppose that, the year after, the start-up crashes and has to be liquidated at a very low value. There isn’t any refund from the tax man. So you have lost not only your investment but … [significantly] more, again noting the exact numbers can vary a bit here. … Why would you enter into deals like this? But of course a lot of start-up sectors have return structures very much like that, namely some high initial valuations but with reasonably high percentages of a later crash. Venture capital drives so much of the most productive sectors of our economy, so why are we whacking it like this? When so many promising developments in biotech and green energy seem to be on the way? Why should we want to crush venture capital like this?

[digital-1313]

Digital marketing in Mohali

Digital marketing is the use of digital channels to market products. Also known as online marketing, digital marketing promotes brands and connects them to potential customers via the Internet. There are several digital marketing companies in Mohali. There are some digital marketing companies in Mohali - Wood Box Digital Media, Dezcode, Solution1313, Social Win, Digi Hawks Marketing, etc. These all companies are Google-verified companies in Mohali. These companies provide content marketing, website marketing, pay-per-click advertising, email marketing, social media marketing, affiliate marketing, video marketing, text messaging, etc. These companies' fees are under 20000-40000 rupees. Furthermore,   These companies provide all gadgets to the student needs. In my opinion solution 1313 is best in all of these. This company is located on Airport road Mohali sector-82. This company provides website layout and development, Shopify website development, Website hosting, CMS-based websites, computer analysis, UI\UX wireframing, Functional systems, Test, review and launch, as well, website maintenance, etc. You can contact Solution 1313 by dialing +919216041313. This website company provides 24/7 support as well as protection services for its projects. Solution1313 is one of the custom web development companies in India. 

In the end, web development in India is a totally popular choice for every person. Moreover, Everyone desires to create a lovely and practical website for his or her business. As well as,  You can get a large variety of web development services in India at affordable prices and high quality. It is easy to learn for beigners. Teenagers can also do digital marketing. Anyone can start it in any age. People can start their own business through digital marketing .Nowadays individuals are making money through web marketing. It's a partime work and this will pay a good income denizens. There are many companies which pays good refunds. Persons can also gives adds of their own products and business. People can do work from home. It's a best business for teenagers and ladies. Moreover, this work has not much requirments it's need only one laptop and good wifi. There are many people who gives online classes. In last individuals should have to learn digital marketing. 

[ekanisdraws]

Commissions are Open! :D

Commissions are now open, I am accepting payment through PayPal or in the form of discord nitro (Details are in my carrd attached is the english and mandarin versions of my carrd)

Terms and Conditions are as follows:

For Discord Nitro: After receiving the commission, I will complete half of the art work and send it over chat (Discord/Email), after receiving the nitro I will then complete the rest of the artwork and once it's completed, send it over (It will be scanned and can be sent using email if you'd like).

For money transactions: There must at least be a 50% down payment made before I start the commission. The rest of the amount can be paid after I have completed the piece but before I scan and send the final piece. All money transactions will be made through PayPal.

All Prices are in USD.

There will no No refunds.

Commissions are not to be used commercially

I do not draw backgrounds

Nothing made by me may be used in blockchain related technology, this includes NFTs, cryptocurrency, or future inventions in the sector.

Regular updates to the piece will be sent throughout this entire process if requested.

If you are interested please look below to find out more and see some of my art work samples :D

Disclaimer: The first drawing art style is only applicable for dark skinned people due to the nature of it, for lighter skinned models it will be more similar to the second piece (with more details & care; the piece shown was done in a bit of a rush due to time constraint)

I won't be accepting any: - nsfw commissions - full body pieces unless for 4 months nitro/$44 (also stated below) though I am unable to guarantee the quality of the piece - furry/mecha

What I'm offering are:

A semi-realisitc/realistic drawing of your character/person of choice and in any pose for 3 months of discord nitro classic/$33. I will require reference images of: your character / person of choice, the pose of choice, if it is a character I will also need a reference image of a real life person that has a face that you like (so that I can reference things like nose and face shape)

A realism piece of any animal of your choosing for 1 year nitro classic. For this I will require a clear image of the animal in the position you want. Please take note that I will not add in full backgrounds and will only draw in items that the animal is interacting with. (If you choose to commission this it may take more time as compared to people to deliver but regular updates will be sent over chat)

Please note that I do not have the fastest drawing speed, drawing duration will differ based on my schedule & the complexity of the piece commissioned. Character/people artworks may take up to a few weeks or a month. Animal artworks can take up to a few months to complete based on my schedule. Usually between 1-3months if I am busy. (eg. the koala took approximately 3 months to complete)

All art works will be done using traditional materials such as paper and pen/pencil depending on whether you choose character/person/animals. character/person (Pen), animal (Pencil)

The finished artwork will be scanned and sent to you via discord/email depending on what you prefer.

There will be 3 slots for character/people commissions and 1 slot for animal commissions for now.

Thank you everyone :D

Reblogs are appreciated :D

Commission Status: 0/3 Character/Person 0/1 Animal