On 08/09/2016 11:20 AM, Bryan Richter wrote: > <snip> > There are three things being discussed here, so I want to provide > space to think about them separately. > > <snip> > > Finally, how is the minimum sensible pledge displayed: as a dollar > amount, or as a ratio? I think it's clear that the amount should be > *calculated* as a ratio, but I'm not certain that *displaying* it as a > ratio is best. But I don't actually know. Any opinions here? > > I'm personally partial to dollar amounts because it provides an > (algorithmic) level of indirection. If we say we charge <=10%, and > then Stripe changes its fees faster than we can adapt, we'd be lying. > But if we say, "We won't charge you for amounts less than 2 bucks", > that's totally within our control. We would simply use the ratio as a > rough guide for future corrections.
This makes sense to me. However, if we're displaying a dollar amount I do think we do need to round it at least to a quarter or half dollar, so it doesn't seem mysteriously arbitrary. For example, since $3.66 corresponds to just under 10%, if we use dollar amounts, I'd suggest $3.75 or $3.50. Then in future if we support multiple payment processors, they could have different minimums if necessary, which could also be changed if they change their fees. I think dollar amounts are easier for the user to understand in terms of knowing what determines whether they're charged in a given month, so I'd favor dollar amounts provided we round to at least a quarter. In this case we're using the ratio calculation in order to decide on a sensible rounded minimum dollar charge, and then allowing the maximum percentage to be a weird arbitrary number that we don't present to users. For example if the minimum charge for Stripe is $3.50 then with their current charges, the maximum percentage is about 11.2%. I think that's fine as long as we don't talk about percentages to the user. In other words, I think we either say something like "Minimum charge is $3.50" (but don't make it $3.66) or something like "Maximum percentage is 10%" (but don't make it 11.2%).
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