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Visa and Mastercard: The global payment duopoly (2024)

news.ycombinator.com Unknown 2025-07-25 07:39:08

The global payments processing market is dominated by two major players: Visa and Mastercard. These two companies account for 90% of all payment processing outside of China and have a combined market value of approximately $850 billion. How is it possible that, in the era of global competition, such a large market niche is completely dominated by only two players? Let's explore this in-depth and examine the increasing challenges they face in protecting their market positions. Key Insights Domi

Topics: card mastercard payment processing visa

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Itch.io is removing NSFW games to comply with payment processors' rules

engadget.com Unknown 2025-07-26 15:30:45

Itch.io has deindexed and hidden all adult games from its browse and search pages to make sure it doesn't lose the ability to sell with the payment processors it uses. The gaming marketplace, which mainly hosts titles from indie developers, has admitted in an announcement that it wasn't able to give creators advance notice. It "had to act urgently to protect the platform’s core payment infrastructure," it said, because the "situation developed rapidly." The website explained that it recently ca

Topics: games io itch payment processors

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Building better AI tools

news.ycombinator.com Hazel Weakly 2025-07-27 08:56:31

I’ve been reading this week about how humans learn, and effective ways of transferring knowledge. In addition, I’ve also had AI in the back of my mind, and recently I’ve come to the realization that not only is our industry building AI tools poorly, we’re building them backwards. Which, honestly, is really depressing to me because there is so much unrealized potential that we have available–is it not enough that we built the LLMs unethically, and that they waste far more energy than they return

Topics: ai human humans process tooling

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Stop Building AI Tools Backwards

news.ycombinator.com Hazel Weakly 2025-07-28 14:56:31

I’ve been reading this week about how humans learn, and effective ways of transferring knowledge. In addition, I’ve also had AI in the back of my mind, and recently I’ve come to the realization that not only is our industry building AI tools poorly, we’re building them backwards. Which, honestly, is really depressing to me because there is so much unrealized potential that we have available–is it not enough that we built the LLMs unethically, and that they waste far more energy than they return

Topics: ai human humans process tooling

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Checking Out CPython 3.14's remote debugging protocol

news.ycombinator.com Raphael Gaschignard 2025-07-29 00:57:25

From Python 3.14, python -m pdb -p pid lets you connect a pdb session to a running Python process. This post goes into a part of what makes this possible. The barrier to entry for writing general debugging tools for Python programs has always been quite low. Unlike many languages, you're rarely finding yourself working with weird internals. Instead, debugging tools can be built off of pretty straightforward knowledge of the language. This is powered by the languages treating things like exc

Topics: process py python remote script

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NonRAID – fork of unRAID array kernel module

news.ycombinator.com Unknown 2025-07-30 03:16:18

NonRAID - unRAID storage array compatible kernel driver NonRAID is an fork of the unRAID system's open-source md_unraid kernel driver for supported kernels, but targeting primarily Ubuntu 24.04 LTS, enabling UnRAID-style storage arrays with parity protection outside of the commercial UnRAID system. Unlike in UnRAID, where the driver replaces kernels standard md driver, the NonRAID driver has been separated into it's own kernel module ( md_nonraid ). This allows it to be easily added as a DKMS

Topics: array driver nmdcmd proc unraid

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Log by time, not by count

news.ycombinator.com Unknown 2025-08-02 23:15:55

Log by Time, not by Count July 20, 2025 "How to Log" is a surprisingly deep topic in software engineering with many different viewpoints, and they're almost all valid in different situations. I'm going to argue that when processing lots of events, it's best to log every X seconds, rather than every X messages. This is a simple concept, but I've never seen it written down before. Let's quickly look at some pseudocode to understand what I mean. Count-based logging num_events_processed = 0 whi

Topics: based log logging num_events_processed_since_last_log time

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Nobody knows how to build with AI yet

news.ycombinator.com Scott Werner 2025-08-02 19:45:01

Last week I released Protocollie. Built in 4 days with languages I don’t know, without even directly touching the code. People keep asking “how?” but I’m not entirely sure it’ll work the same way twice. We’re all making this up as we go. The Great Experiment Nobody's Running the Same Way There's this moment in every new technology where everyone pretends they know what they're doing. We're past that moment. Or maybe we haven't reached it yet. Either way, we're in this delicious middle ground

Topics: claude just like process work

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Valve confirms credit card companies pressured it to delist certain adult games

news.ycombinator.com Joshua Wolens 2025-08-02 20:54:46

It's Mastercard's world; we just live in it. That's my understanding based on a recent communiqué from Valve to PC Gamer, which confirmed that, yup, the company sure did recently remove a whole spate of adult games from its storefront because it made payment processors upset. "We were recently notified that certain games on Steam may violate the rules and standards set forth by our payment processors and their related card networks and banks," said Valve. "As a result, we are retiring those gam

Topics: games payment processors steam valve

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Resolve (YC W15) Is Hiring an Operations and Billing Lead for Construction VR

news.ycombinator.com Unknown 2025-08-04 19:00:47

Location: Remote Type: Full-time About Us Resolve is an 11-person SaaS startup helping construction companies and builders review faster. Our clients include general contractors, specialty subcontractors, owner operators and engineering companies—companies that build the world around us. We’re growing fast and looking for a detail-oriented, proactive Billing and Operations Lead to take charge of key administrative processes that keep our business humming. What You’ll Do You’ll own and impro

Topics: billing customers operations procurement team

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Microsoft Is Testing Letting Copilot AI Interact With Your Whole Desktop

cnet.com See Full Bio 2025-08-08 06:05:52

Microsoft has confirmed an upcoming expansion to its Copilot AI chatbot's screen-sharing abilities: Soon it will be able to process your entire desktop, not just certain parts of it. The company said Tuesday that this expansion of Copilot's Vision capabilities has begun public testing. This update, now rolling out to the company's Windows Insider program testers, will allow the AI chatbot to view, process and react to all aspects of a user's desktop, where beforehand it was limited to specific

Topics: copilot desktop microsoft process windows

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New Pixel Watch 4 leak details even more hardware upgrades ahead of next month’s launch

androidauthority.com Unknown 2025-08-08 11:00:31

Kaitlyn Cimino / Android Authority TL;DR The Pixel Watch 4 is said to feature a Snapdragon W5 Plus Gen 1 chip. Both models are expected to have a new co-processor called the M55. For the first time, the smartwatch may feature side charging. Google confirmed today that it will hold its hardware event on August 20. The showcase should include its Pixel phones, watches, earbuds, and more. Coincidentally, a new leak about the Pixel Watch 4 also arrived today. This leak reveals what could be the

Topics: gen m55 pixel processor watch

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Exclusive: New Snapdragon wearables chip in the works, could supercharge Wear OS watch performance

androidauthority.com Unknown 2025-08-16 03:19:57

C. Scott Brown / Android Authority TL;DR Qualcomm is working on a new wearable chip, the “SW6100”, also called “aspena” The processor is not based on any previous Qualcomm product, unlike its previous wearable chips The specs include 1x Arm Cortex-A78 + 4x Arm Cortex-A55, an LPDDR5X RAM controller, all built on a TSMC process node Wear OS smartwatches have been in a bit of a standstill lately. After releasing Snapdragon W5/+ Gen 1 in 2022, Qualcomm hasn’t given the platform any attention, wi

Topics: arm cortex process qualcomm wear

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Memory-Level Parallelism: Apple M2 vs. Apple M4

news.ycombinator.com View All Posts Daniel Lemire 2025-08-19 02:24:28

The Apple M2, introduced in 2022, and the Apple M4, launched in 2024, are both ARM-based system-on-chip (SoC) designs featuring unified memory architecture. That is, they use the same memory for both graphics (GPU) and main computations (CPU). The M2 processor relies on LPDDR5 memory whereas the M4 relies on LPDDR5X which should provide slightly more bandwidth. The exact bandwidth you get from an Apple system depends on your configuration. But I am interested in single-core random access perfor

Topics: apple channels forth memory processors

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The ‘Click-to-Cancel’ Rule Was Killed, but Consumer Advocates Could Revive It

wired.com Reece Rogers 2025-08-19 07:25:31

United States residents almost escaped subscription cancellation hell, but the Federal Trade Commission's “Click to Cancel” rule was unanimously struck down by the US Court of Appeals for the Eighth Circuit on Tuesday—just days before it was set to go into effect. What would have happened if this updated FTC rule had gone into effect on July 14 as planned? “The stated goal was that they wanted to make it as easy for you to cancel a subscription as it is to sign up,” says John Breyault, vice pre

Topics: cancel ftc process rule subscription

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Phrase origin: Why do we "call" functions?

news.ycombinator.com Arthur O Dwyer 2025-08-20 11:04:45

On StackExchange, someone asks why programmers talk about “calling” a function. Several possible allusions spring to mind: Calling a function is like calling on a friend — we go, we stay a while, we come back. Calling a function is like calling for a servant — a summoning to perform a task. Calling a function is like making a phone call — we ask a question and get an answer from outside ourselves. The true answer seems to be the middle one — “calling” as in “calling up, summoning” — but indi

Topics: control library number procedure subroutine

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Why Buy 6 Appliances When This Ninja Blender Does It All, Feels Practically Free on Prime Day

gizmodo.com Brittany Vincent 2025-08-21 23:05:27

No one wants to have to fill their kitchen with multiple appliances if they don’t have to. That’s why it’s so easy when you get appliances that can do a variety of things at once. They have a much smaller footprint and they can help you get through the day faster because of it. And if you’re ready to take the plunge with one, namely a blender and food processor that you can get a lot done with, now’s the time to invest. Head to Amazon to get the Ninja Blender & Food Processor Combo for just $16

Topics: blender combo food just processor

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Why the US and Europe could lose the race for fusion energy

technologyreview.com Daniel F. Brunner 2025-08-23 11:00:00

The US and Europe were the dominant public funders of fusion energy research and are home to many of the world’s pioneering private fusion efforts. The West has consequently developed many of the basic technologies that will make fusion power work. But in the past five years China’s support of fusion energy has surged, threatening to allow the country to dominate the industry. The industrial base available to support China’s nascent fusion energy industry could enable it to climb the learning c

Topics: china film fusion industry processing

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Physicists start to pin down how stars forge heavy atoms

news.ycombinator.com Jenna Ahart 2025-08-29 19:18:32

The Facility for Rare Isotope Beams (FRIB) may not glitter quite like the night sky, plunked as it is between Michigan State University’s chemistry department and the performing arts center. Inside, though, the lab is teeming with substances that are otherwise found only in stars. Here, atomic nuclei accelerate to half the speed of light, smash into a target and shatter into smithereens. The collisions create some of the same rare, unstable isotopes that arise inside stars and which, through a

Topics: elements form frib process stars

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Physicists Start to Pin Down How Stars Forge Heavy Atoms

news.ycombinator.com Jenna Ahart 2025-08-30 10:18:32

The Facility for Rare Isotope Beams (FRIB) may not glitter quite like the night sky, plunked as it is between Michigan State University’s chemistry department and the performing arts center. Inside, though, the lab is teeming with substances that are otherwise found only in stars. Here, atomic nuclei accelerate to half the speed of light, smash into a target and shatter into smithereens. The collisions create some of the same rare, unstable isotopes that arise inside stars and which, through a

Topics: elements form frib process stars

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4 Linux distros that can't be upgraded on autopilot - and why they're still worth trying

zdnet.com Jack Wallen 2025-09-03 03:54:00

Jack Wallen / Elyse Betters Picaro / ZDNET If you use a Linux distribution based on Debian or Ubuntu, the upgrade path is almost always painless. I've had maybe one Ubuntu upgrade in over a decade that had problems, and even that was a fairly straightforward fix. But not all Linux distributions are created equal, and some are more challenging than others. Some distributions even make the upgrade process more difficult, and a few give users fair warning about why it's important to stay informed

Topics: distributions kernel linux process upgrade

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Next-gen procurement platform Levelpath nabs $55M

techcrunch.com Marina Temkin 2025-09-04 11:46:23

Levelpath, a procurement software startup founded by the duo behind Scout RFP, has raised $55 million in Series B funding led by Battery Ventures as the company looks to quadruple its revenue this year. The funding round also saw participation from existing investors, including Benchmark, which led Levelpath’s $14.5 million seed round, and Redpoint, the lead investor in the $30 million Series A round announced in 2023. The startup was founded by Stan Garber and Alex Yakubovich (pictured right)

Topics: build levelpath procurement software ventures

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US surgeons complete first-ever heart transplant using robotics

techspot.com Skye Jacobs 2025-09-05 17:54:00

What just happened? Surgeons at Baylor St. Luke's Medical Center in Houston have performed the nation's first fully robotic heart transplant, a milestone in American medicine. Completed in March, the procedure marks a significant leap in robotic cardiac surgery and offers new hope for patients with advanced heart failure. The patient, a 45-year-old man hospitalized for months with severe heart failure, became the first in the United States to receive a heart transplant using a minimally invasiv

Topics: heart patients procedure robotic transplant

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Broken by Design: Systemd

news.ycombinator.com Unknown 2025-09-11 03:01:22

Broken by design: systemd 09 Feb 2014 19:56:09 GMT Recently the topic of systemd has come up quite a bit in various communities in which I'm involved, including the musl IRC channel and on the Busybox mailing list. While the attitude towards systemd in these communities is largely negative, much of what I've seen has been either dismissable by folks in different circles as mere conservatism, or tempered by an idea that despite its flaws, "the design is sound". This latter view comes with the

Topics: init new pid process systemd

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Is DOGE doomed to fail? Some experts are ready to call it.

arstechnica.com Unknown 2025-09-11 03:40:12

Critics are increasingly branding Elon Musk's Department of Government Efficiency (DOGE) as a failure, including lawmakers fiercely debating how much funding to allot next year to the controversial agency. On Tuesday, Republicans and Democrats sparred over DOGE's future at a DOGE subcommittee hearing, according to NextGov, a news site for federal IT workers. On one side, Republicans sought to "lock in" and codify the "DOGE process" for supposedly reducing waste and fraud in government, and on t

Topics: doge government kamarck process workers

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You’ll soon be able to send photos and video to 911 as easily as to friends

9to5mac.com Ben Lovejoy 2025-09-14 11:27:02

When a serious emergency occurs, a picture can be worth a thousand words. It can be incredibly helpful to first responders to see ahead of time what they will be faced with when they arrive. It is technically possible to send photos and video to 911 operators, but it’s a convoluted process. That’s set to change later this year … If this all sounds familiar, that’s because there had been limited trials of the feature before Apple last year announced Emergency SOS Live Video in iOS 18. The aim w

Topics: 911 emergency feature process send

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The Download: Namibia’s hydrogen hopes, and fixing AI evaluation

technologyreview.com Rhiannon Williams 2025-09-14 19:10:00

Factories have used fossil fuels to process iron ore for three centuries, and the climate has paid a heavy price: According to the International Energy Agency, the steel industry today accounts for 8% of carbon dioxide emissions. But it turns out there is a less carbon-intensive alternative: using hydrogen. Unlike coal or natural gas, which release carbon dioxide as a by-product, this process releases water. And if the hydrogen itself is “green,” the climate impact of the entire process will

Topics: ai carbon hydrogen industry process

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Build a Rocket Boy lays off staff after dismal MindsEye launch

venturebeat.com Rachel Kaser 2025-09-15 06:42:33

The launch of open-world action-adventure game MindsEye has been rocky, to say the least. Now the reports of refunds and in-game bugs have been compounded by bad news from developer Build a Rocket Boy. The company has confirmed early reports that it is beginning the layoff process with members of its staff, with the remaining team focused on improving MindsEye and growing its community of players. An initial report from IGN cited anonymous sources saying that Build a Rocket Boy had entered the

Topics: boy build game process rocket

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Pompliano’s ProCap raises over $750 million, goes public via SPAC as bitcoin treasury bubble grows

cnbc.com Mackenzie Sigalos 2025-09-17 03:40:59

The race to create publicly traded bitcoin treasuries is accelerating — and so is the capital pouring in. ProCap Financial, the latest entrant, has raised more than $750 million and is going public through a special purpose acquisition company, or SPAC, with Columbus Circle Capital Corp. I, according to an announcement Monday. Led by investor and podcast host Anthony Pompliano, ProCap raised more than $750 million in its funding round, including $235 million in convertible debt, with equity ma

Topics: bitcoin bubble capital million procap

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My iPhone 8 Refuses to Die: Now It's a Solar-Powered Vision OCR Server

news.ycombinator.com Hemant Kumar 2025-09-22 16:49:53

How I transformed my old iPhone 8 into a solar-powered Vision OCR server using Apple's native framework and an EcoFlow River 2 Pro. Running 24/7 for months, processing thousands of images while completely off-grid. My iPhone 8 Refuses to Die: Now It’s a Solar-Powered Vision OCR Server# After running for over a year, my solar-powered iPhone 8 has processed 83,418 OCR requests and 48GB of images using nothing but Apple’s Vision framework and renewable energy. Most people toss their old iPhones i

Topics: iphone ocr power processing solar

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Latest Tech News

Visa and Mastercard: The global payment duopoly (2024)

Itch.io is removing NSFW games to comply with payment processors' rules

Building better AI tools

Stop Building AI Tools Backwards

Checking Out CPython 3.14's remote debugging protocol

NonRAID – fork of unRAID array kernel module

Log by time, not by count

Nobody knows how to build with AI yet

Valve confirms credit card companies pressured it to delist certain adult games

Resolve (YC W15) Is Hiring an Operations and Billing Lead for Construction VR

Microsoft Is Testing Letting Copilot AI Interact With Your Whole Desktop

New Pixel Watch 4 leak details even more hardware upgrades ahead of next month’s launch

Exclusive: New Snapdragon wearables chip in the works, could supercharge Wear OS watch performance

Memory-Level Parallelism: Apple M2 vs. Apple M4

The ‘Click-to-Cancel’ Rule Was Killed, but Consumer Advocates Could Revive It

Phrase origin: Why do we "call" functions?

Why Buy 6 Appliances When This Ninja Blender Does It All, Feels Practically Free on Prime Day

Why the US and Europe could lose the race for fusion energy

Physicists start to pin down how stars forge heavy atoms

Physicists Start to Pin Down How Stars Forge Heavy Atoms

4 Linux distros that can't be upgraded on autopilot - and why they're still worth trying

Next-gen procurement platform Levelpath nabs $55M

US surgeons complete first-ever heart transplant using robotics

Broken by Design: Systemd

Is DOGE doomed to fail? Some experts are ready to call it.

You’ll soon be able to send photos and video to 911 as easily as to friends

The Download: Namibia’s hydrogen hopes, and fixing AI evaluation

Build a Rocket Boy lays off staff after dismal MindsEye launch

Pompliano’s ProCap raises over $750 million, goes public via SPAC as bitcoin treasury bubble grows

My iPhone 8 Refuses to Die: Now It's a Solar-Powered Vision OCR Server

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