[MichaelGG]

1 million checks a month. If the problem rate is even 1%, that's 10,000 "problems" that need to be resolved. At 1/minute, that's a full-time person on the job! If that's not worth $$$$, the business isn't in the target audience.

And for people using this for fraud, it's gonna take more than a minute, and there might be even more damage. For instance, avoiding chargebacks on 0.1% would more than pay for itself. And that's a good selling point: "Our product will save you $x% a month". It makes it a no-brainer, instant ROI.

So getting, say, $995 vs $25 means he has to find 40x less customers! He can afford to spend a bit on sales. It's a meme on HN because it's true and us engineers have a terrible habit of repeatedly undervaluing things.

He could even offer a "pre-launch" plan if he's worried about startups not wanting to rack up bills before actually having customers. That way they can maintain price plan integrity.

Overall I feel HN/engineers (myself included; I have to force myself here) worry too much about edge cases and keep thinking somehow these cases will make a serious business.