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xHosts UK "security and abuse-prevention update"

135

Comments

  • @host_c You are absolutely right in your suggestions.

    They will do this to lifetime plans first.
    Because lifetime plans don't offer any return, and StackCP is constantly increasing its prices.
    In this situation, the provider will gradually close accounts one by one, using this as an excuse.
    That's my opinion. StackCP usually sends a notification and suspends a very large number of accounts. The provider can contact the user and request this. But if this happens to everyone, it's certain that it will be as I said.
    The first eliminations will be for lifetime plans, and this number will decrease.
    What happens after that is unknown.
    That's my opinion.

    Thanked by 1host_c
  • StackCP has not been aggressively increasing pricing.

  • @JosephF said:
    StackCP has not been aggressively increasing pricing.

    If we consider this situation from the seller's perspective in terms of lifetime services...

  • @memok said:

    @JosephF said:
    StackCP has not been aggressively increasing pricing.

    If we consider this situation from the seller's perspective in terms of lifetime services...

    The prices look the same as last year.

  • host_chost_c Patron Provider, Top Host, Megathread Squad

    @JohnFilch123 said:

    @host_c said: How much compensation do you realistically expect

    It is 0. One thing is to be a keyboard ninja, another thing is to go out and try to launch a legal claim against a company. I guess the point here may be one would trust a mammoth more than unknown elephanto but reality is they are all prone to hacking and leaking.

    Precisely :+1:

    Thanked by 1JohnFilch123
  • @MatthewM said:

    @memok said:

    @JosephF said:
    StackCP has not been aggressively increasing pricing.

    If we consider this situation from the seller's perspective in terms of lifetime services...

    The prices look the same as last year.

    Prices haven't increased yet. But prices will definitely increase with lifetime plans. 20i will definitely raise prices. Imagine you bought a lifetime package.

  • jsgjsg Member, Resident Benchmarker

    @host_c said:

    @barbaros said: If Stripe fucks up and leaks my data, I do know who to go after.

    :D :D

    I’m genuinely curious to see how that plays out. I really am.

    How much compensation do you realistically expect from Stripe — or any major payment processor — when (and let’s be honest, it’s when, not if) they suffer a data breach?

    In just the last two weeks, over 1.2 billion accounts were leaked from major companies worldwide. I didn’t see anyone here calling for them to shut down or implement extreme KYC everywhere.

    Let’s be realistic.

    If the goal is to reduce fraud and abuse, blanket KYC is not the silver bullet. - Never was, nor it has that scope.

    If you truly want to clean up the base:

    Implement proper order-layer filtering (MaxMind, FraudLabs, IP reputation, ASN filtering, velocity rules).

    Yes — sometimes you ban high-risk countries. It is what it is.

    Re-run fraud screening on recurring invoices (this alone can wipe out ~70% of what slipped through initially).

    Rate-limit payment attempts aggressively.

    Block abusers before they ever reach the payment gateway - that is the key way

    For example:

    3,500+ fraud attempts
    Around 150 legitimate orders
    Single users making 300+ failed payment attempts for one $5 invoice

    That’s not a Stripe problem.
    Not PayPal. Not Revolut. Not any processor.
    That’s an order-layer control problem.

    The all do what you set the up to do, process a payment, not thei'r problem that the payee is a sketchy 14 year old with 45000 rows of excel containing stolen credit cards data - good for the kid, bravo!

    You can enable 3DS (and yes, pay the extra percentage), but it won’t stop bot-driven order abuse. Once a malicious actor reaches the payment link, you’ve already lost. And yes — you’ll eat the $20 dispute fee 90% of the time, as in that case the “customer” claims are true, they did get 5 or 7 or whatever USD stolen.

    yet....

    If someone’s card data gets compromised, that’s unfortunate — but the responsibility chain starts with the issuer, the cardholder, and the security of that payment instrument. It cannot automatically default to “merchant fault” simply because the merchant accepted a properly authorized payment.

    This is exactly why prevention before checkout is critical.

    The real fix is preventing bad actors from ever touching checkout.

    KYC is a very heavy hammer for what is fundamentally a filtering problem.

    You can do KYC — and in certain business models, you should.

    But once you go full KYC, you’re no longer really operating in this market segment. You’ll outgrow this place by a mile — and by the time you reach that level, you won’t be fighting $5 fraud payments anymore.

    You’ll be dealing with entirely different challenges.

    Low-end / promo / impulse-buy markets and full KYC do not coexist comfortably.

    May you reach that level soon.
    May we all at some point.

    <3 HOST-C

    WUT?! Return to reason and thinking realistically? I call HERESY!. And to make it worse, sorry but I have to spill the beans: you also do not vibe-config your nodes! * stern gaze

    Thanked by 1host_c
  • host_chost_c Patron Provider, Top Host, Megathread Squad

    @JohnFilch123 said:

    @host_c said: How much compensation do you realistically expect

    It is 0. One thing is to be a keyboard ninja, another thing is to go out and try to launch a legal claim against a company. I guess the point here may be one would trust a mammoth more than unknown elephanto but reality is they are all prone to hacking and leaking.

    Precisely :+1:

    @jsg said: WUT?! Return to reason and thinking realistically? I call HERESY!. And to make it worse, sorry but I have to spill the beans: you also do not vibe-config your nodes! * stern gaze

    I’m old-school: RFCs > vibes. B) :D o:) >:)

    @memok said:
    @host_c You are absolutely right in your suggestions.

    They will do this to lifetime plans first.
    Because lifetime plans don't offer any return, and StackCP is constantly increasing its prices.
    In this situation, the provider will gradually close accounts one by one, using this as an excuse.
    That's my opinion. StackCP usually sends a notification and suspends a very large number of accounts. The provider can contact the user and request this. But if this happens to everyone, it's certain that it will be as I said.
    The first eliminations will be for lifetime plans, and this number will decrease.
    What happens after that is unknown.
    That's my opinion.

    Fair point.

    Now, if we are talking about lifetime plans, since you brought that up....

    Let me be the elephant jackass in the room and raise a simple question:

    Why do people expect a product to have a lifecycle longer than 3 years? Honestly?

    No offense to anyone — but a lot of the frustration comes from unrealistic expectations. And when those expectations aren’t met (regardless of the time-frame), disappointment turns into anger. - aka you are pissed off :D :D

    Let’s look at normal market behavior:

    Mobile subscription contracts → typically 1 to 2 years.

    A car model generation → 3 years, maybe 4 before refresh.

    A specific smartphone model → sold actively for about 1 to 2 years. After that, it’s leftover stock.

    Why should hosting — be somehow immune to lifecycle realities?

    If it lasts longer than 3 years? Perfect.

    Expecting any product — to remain unchanged indefinitely isn’t aligned with how modern markets operate. - aka you live in ferry-land and drink get high on unicorn tears.

    Yet you are right, if it says lifetime should remain lifetime.
    But what is lifetime????

    • Human Lifetime?? perfect, now from what part of the globe as not all of us live as much as others.
    • Lifetime of the company? - perfect, in that case you will see deadpool's each 3-4 years.
    • Lifetime of an insect???

    See where I am going with this? that is extremely subjective and non defined, open to interpretation on both sides.

    A realistic and correct approach would be to ban those types of offers.

    But enough of that for now, let's bring the pitchforks and kick xHosts in the nuts for trying to clean out the room of "questionable gentleman".

    @xHosts — if it makes any difference, you absolutely have the right as a provider to double or triple-check any account that appears suspicious of abuse, regardless of the verification method used.

    At the end of the day, it’s your infrastructure, your risk exposure, and your agreements with upstream providers and payment processors.

    Taking additional steps when something looks off isn’t “getting rid of customers” — it’s responsible operation in my view, and legitimate users shouldn’t feel threatened by reasonable verification.

    Cheers!!!

    Thanked by 2memok jsg
  • @memok said:

    @MatthewM said:

    @memok said:

    @JosephF said:
    StackCP has not been aggressively increasing pricing.

    If we consider this situation from the seller's perspective in terms of lifetime services...

    The prices look the same as last year.

    Prices haven't increased yet. But prices will definitely increase with lifetime plans. 20i will definitely raise prices. Imagine you bought a lifetime package.

    20i does not sell lifetime packages.

    Thanked by 1host_c
  • @JosephF said:

    @memok said:

    @MatthewM said:

    @memok said:

    @JosephF said:
    StackCP has not been aggressively increasing pricing.

    If we consider this situation from the seller's perspective in terms of lifetime services...

    The prices look the same as last year.

    Prices haven't increased yet. But prices will definitely increase with lifetime plans. 20i will definitely raise prices. Imagine you bought a lifetime package.

    20i does not sell lifetime packages.

    The relevant company sold lifetime Hosting accounts
    You can find their topics by searching
    The relevant company receives stackcp service over 20i
    20i never made a lifetime plan
    You can search to see related topics

  • @memok said:

    @JosephF said:

    @memok said:

    @MatthewM said:

    @memok said:

    @JosephF said:
    StackCP has not been aggressively increasing pricing.

    If we consider this situation from the seller's perspective in terms of lifetime services...

    The prices look the same as last year.

    Prices haven't increased yet. But prices will definitely increase with lifetime plans. 20i will definitely raise prices. Imagine you bought a lifetime package.

    20i does not sell lifetime packages.

    The relevant company sold lifetime Hosting accounts
    You can find their topics by searching
    The relevant company receives stackcp service over 20i
    20i never made a lifetime plan
    You can search to see related topics

    xHosts pays 20i a monthly fee each and every month. If they stop paying 20i every month their 20i plan gets cancelled.

    xHosts, a small provider in the UK, then sells (some) lifetime plans.

  • jsgjsg Member, Resident Benchmarker

    @host_c said:
    @xHosts — if it makes any difference, you absolutely have the right as a provider to double or triple-check any account that appears suspicious of abuse, regardless of the verification method used.

    At the end of the day, it’s your infrastructure, your risk exposure, and your agreements with upstream providers and payment processors.

    Even worse HERESY!

    Putting tens or even hundreds of thousands of $ or € into a business doesn't give any rights! ALL the rights are reserved to $5/yr customers only!!!11!

    Besides KYC is the law in many countries, and as "everybody" feels a law we don't like is [communist&woke or fascist& right wing - pick your preference] and must be fought!

    The problem in hosting is not abuse and risk, it's them damn providers who think about protecting their investment, work, company, and operations.

    10 TB NVMe storage on current Ryzen, 4 vCores, 16 GB memory and 25 Gb/s for $5/year WHEN?

    [stupid image]

    Thanked by 1host_c
  • @xHosts said: We are looking for protect the legitimate users

    Nonsense!
    You do as some known government leaders do. They cut Internet and say that they do it for save legitimate people.

    Thanked by 1WyvernCo
  • @LordSpock said:
    LowEndHosts are not the people to be handing this data to - especially as they are fond of fibbing and many have quite patchy histories at best...

    xHosts are being dishonest here, Stripe Identity does allow a business to view the identity documents of a user and in this case the business you are verifying with actually is acting in the role of a data controller.

    That second part is unfortunate as xHosts are not, from what I can tell, registered with the ICO. Bit naughty really.

    I don't know if xHosts is being dishonest. They may just have written that falsehood out of ignorance of Stripe's features, which can happen to anyone. The answer to whether or not they are being dishonest will come from whether or not they correct the false statement now that they are aware that it is wrong.

  • rpqurpqu Member
    edited February 23

    @host_c said:
    Fair point.
    Now, if we are talking about lifetime plans, since you brought that up....
    Let me be the elephant jackass in the room and raise a simple question:
    Why do people expect a product to have a lifecycle longer than 3 years? Honestly?
    No offense to anyone — but a lot of the frustration comes from unrealistic expectations. And when those expectations aren’t met (regardless of the time-frame), disappointment turns into anger. - aka you are pissed off :D :D
    Let’s look at normal market behavior:
    Mobile subscription contracts → typically 1 to 2 years.
    A car model generation → 3 years, maybe 4 before refresh.
    A specific smartphone model → sold actively for about 1 to 2 years. After that, it’s leftover stock.
    Why should hosting — be somehow immune to lifecycle realities?
    If it lasts longer than 3 years? Perfect.
    Expecting any product — to remain unchanged indefinitely isn’t aligned with how modern markets operate. - aka you live in ferry-land and drink get high on unicorn tears.
    Yet you are right, if it says lifetime should remain lifetime.
    But what is lifetime????

    • Human Lifetime?? perfect, now from what part of the globe as not all of us live as much as others.
    • Lifetime of the company? - perfect, in that case you will see deadpool's each 3-4 years.
    • Lifetime of an insect???
      See where I am going with this? that is extremely subjective and non defined, open to interpretation on both sides.
      A realistic and correct approach would be to ban those types of offers.
    • Smartphone (even phone if you recall 1990-2000s) typically got 12M warranty, but its lifespan typically exceed 5 years, some exceed 10 years.
    • Car typically has 1Y to 3Y basic warranty, with >=5Y engine+ warranty, free service (every 3-6 months depending on usage pattern), and loan typically 3-5 years (some >=8 years). And most car retain typical configuration. And I don't consider elementary design alteration by the design house as "new generation" product . Most exceed 10Y, typically 20Y
    • House has 1m~1Y+ warranty on roofing, piping, basic functions. And typically last >40Y
    • Fridge typically has 1-2Y general warranty with compressor warranty exceeding 10Y (some even has 20Y or lifetime warranty)

    If a hosting "lifetime" is 3-4 years. It might as well be @VeloxMedia and its previous incarnations.
    Perhaps lifetime "minimum" clause should be added

    Thanked by 1host_c
  • host_chost_c Patron Provider, Top Host, Megathread Squad

    @rpqu

    You are right, my analogy with physical products was not the best, yet, you understand my point as Is see.

    Thanked by 1rpqu
  • rpqurpqu Member
    edited February 23

    @host_c said:
    @rpqu

    You are right, my analogy with physical products was not the best, yet, you understand my point as Is see.

    Lifetime deals are similar to how triennial deals work. It enable young-companies to grow fast, as customer paid it upfront. And the difference with the lifetime deals, it's not limited by time. So, these young companies may find their operation to be constrained by the lifetime deals. Because it's 100% loss making beyond certain point of time.
    Anyway, some Chinese EV car maker does offer lifetime battery warranty. 😉

    Let me suggest these set of rules. If the host want to execute the lifetime "minimum" (AI suggest better description: service-life floor), I think there should be several requirements:

    • it has gone past the minimum service
    • negative cashflow for certain amount of time ( >=2 years) or imminent discontinuation (< 3 months)
    • independent verification and testimony from vendor/upstream provider/peers, ensuring there's no markup or undocumented loss-making sales

    The independent verification will be difficult since it may contain company secrets . But, when the service lifetime has gone beyond twice the minimum, the requirements should be waived.

  • SsreSsre Member
    edited February 23

    @host_c said:
    But aside from minor inconvenience, legitimate customers have nothing to worry about.

    In fact, customers who have previously had their data stolen will likely appreciate that a provider is actively trying to reduce fraud and abuse in their ecosystem. - Fyck, I would, and so are a lot of you, so be sincere here.

    Customers who have had their data stolen would appreciate having their data/id/biometrics shared with more third parties? Some with questionable access and retention policies?

    I know we're being pushed ever closer to the inevitable future where privacy no longer exists, but let's not pretend that everyone is happy about it too.

    Thanked by 2forest tentor
  • rpqurpqu Member
    edited February 23

    @Ssre said:

    @host_c said:
    But aside from minor inconvenience, legitimate customers have nothing to worry about.

    In fact, customers who have previously had their data stolen will likely appreciate that a provider is actively trying to reduce fraud and abuse in their ecosystem. - Fyck, I would, and so are a lot of you, so be sincere here.

    Customers who have had their data stolen would appreciate having their data/id/biometrics shared with more third parties? Some with questionable access and retention policies?

    I know we're being pushed ever closer to the inevitable future where privacy no longer exists, but let's not pretend that everyone is happy about it too.

    Should have hit at their weakness.
    Password cycling, IP whitelist is an option, but you can't cycle your ID once it's compromised. What are you going to do? Changing citizenship? That would be €60-250K
    These kind of data should be air-gapped for good.

    Thanked by 3forest host_c tentor
  • host_chost_c Patron Provider, Top Host, Megathread Squad
    edited February 23

    @Ssre said:

    @host_c said:
    But aside from minor inconvenience, legitimate customers have nothing to worry about.

    In fact, customers who have previously had their data stolen will likely appreciate that a provider is actively trying to reduce fraud and abuse in their ecosystem. - Fyck, I would, and so are a lot of you, so be sincere here.

    Customers who have had their data stolen would appreciate having their data/id/biometrics shared with more third parties? Some with questionable access and retention policies?

    I know we're being pushed ever closer to the inevitable future where privacy no longer exists, but let's not pretend that everyone is happy about it too.

    Where did I say shared? - enlighten me please.

    I said customers would appreciate a tighter, more secure environment — not that they should be thrilled about their documents being sprayed across random third parties ( hacked provider databases, there is a difference between a KYC processor and in house KYC, more a bit down this post ).

    There’s a difference between security and data harvesting. - and you as the user can chose the provider you use.

    Now, since we’re on the topic, how exactly do you envision secure account creation and checkout in 2026?

    From where I’m sitting, there are basically two realistic paths:

    • 1 - Username + password + weak fraud filters → outcome: garbage.
      Card testing, bot abuse, disputes, suspended Stripe/PP accounts or other. I wouldn’t touch that model with a 10-foot pole.

    • 2 - Add stronger controls → layered verification, risk scoring, step-up authentication, possibly KYC when triggered → yes, more friction. But also dramatically less abuse.

    You can’t scream “privacy apocalypse” on one side and then scream “provider network is trash” on the other.

    Because guess what?

    Providers with “trash” networks usually chose option #1.

    Why they choose option 1? well might be any one of these: ( or all of them )

    • Low friction.
    • Loose filtering.
    • Hope for the best.
    • Explicit non verification based operating mode

    Security always adds friction. Always.

    Now, if we dive a bit deeper, for logins FIDO2 / WebAuthn as of today is Best-in-class against phishing — but even that has downsides:

    • Account recovery becomes harder
    • Users lose keys
    • Support overhead increases
    • Conversion rates drop in B2C

    There is no magical zero-friction, zero-data, zero-risk solution. ( yet )

    So yes — some customers don’t like increased verification. That’s fair. :+1:

    But pretending you can run a low-cost, high-abuse-target industry with pure username/password and vibes is fantasy. ( damn, forgot + Unicorn Tears )

    Pick your tradeoff:

    More friction → more stability.
    Less friction → more fraud, more chargebacks, more downtime, more complaints, more shit-show

    You don’t get both perfect privacy and perfect abuse resistance in the $2 plan market.... tho some providers even apply same rules on the promos as that is how they operate at a larger scale, while yes, they actually loose money on those purchases ( @Neoon pointed that out perfectly )

    @rpqu said: Password cycling, IP whitelist is an option, but you can't cycle your ID once it's compromised. These kind of data should be air-gapped ( hope is non of these guys:

    That is true and that’s exactly why proper KYC implementations don’t store your raw identity documents at the provider level.

    In a correctly designed setup:

    The identity verification (ID card, selfie, SSN, etc.) is handled entirely by a specialized third-party verification provider.

    The hosting provider does not store your documents.

    The provider only receives a confirmation token or status like: “verification passed.”

    The KYC vendor handles:

    • Document validation
    • Biometric checks
    • Fraud scoring
    • Secure storage (under their regulatory framework)

    The provider’s system simply receives a yes/no result and possibly a verification reference ID.

    So no — your passport shouldn’t be sitting in some random hosting provider’s database.

    If someone is doing in-house KYC and storing raw documents locally without proper compliance structure, that’s a different discussion entirely. ( and yes, I would not trust one of these as I doubt that they have the same security structure as a KYC processor )

    Proper KYC architecture is:

    User → Verified KYC platform → Provider receives validation result only.

    The login page itself stores nothing related to identity documents.

    Thanked by 1jsg
  • forestforest Member
    edited February 23

    @host_c said: Security always adds friction. Always.

    I wouldn't call inevitable data leaks "security". It's not a matter of if KYC platforms get breached, it's when.

    Regulatory frameworks aren't there to protect our security, but to protect their liability. It's why they can't get sued into oblivion when yet another 70,000 children's names, faces, and addresses get leaked to cybercriminals.

    @host_c said: The provider only receives a confirmation token or status like: “verification passed.”

    That's untrue. With Stripe at least, the provider is allowed to see your government ID. Not good.

    @host_c said: But pretending you can run a low-cost, high-abuse-target industry with pure username/password and vibes is fantasy.

    This is why MFA is important. "Invasive biometric KYC or username/password-only authentication" is a false dichotomy.

    Thanked by 4Ssre host_c tentor VM6
  • host_chost_c Patron Provider, Top Host, Megathread Squad
    edited February 23

    @forest said: That's untrue. With Stripe at least, the provider is allowed to see your government ID. Not good.

    I’ve never seen anything like that in the Stripe dashboard.

    I don’t see government IDs.
    I don’t even see additional sensitive data for users who made 300 failed payment attempts.

    Stripe shows what merchants are supposed to see — billing details and transaction metadata. Nothing more.

    So unless you have concrete documentation or evidence that Stripe is exposing customer government IDs to merchants in standard payment flows, I’m going to categorize that claim as internet fantasy + Unicorn Beer.

    If there’s proof, I’m happy to read it.

    @forest said: This is why 2FA is important.

    2FA is absolutely a plus. No argument there. - <3

    But it’s not unbeatable. - :'(

    2FA protects logins — it doesn’t fix:

    • Bot-driven account creation
    • Card testing
    • Stolen payment data
    • Disposable emails
    • Abuse at checkout

    TOTP codes can be phished. - hard
    SMS can be SIM-swapped. - that is even harder to do
    Email-based OTP is only as secure as the email account. - that is BS if the mai account itself does not have 2FA. - see the loop hole here :D

    Even stronger methods like FIDO2 protect authentication — not fraud logic, yet, at that they kinda excel.

    But pretending that “just add 2FA” solves abuse in a low-cost, high-target environment is oversimplifying the problem. ( or not understanding the core issue )

    Login protection ≠ checkout protection ≠ fraud prevention.

    Different layers, different threats, different solutions.

    Once you start addressing them properly, friction appears. And that friction is exactly why we’re having this debate.

    EDIT:

    @forest

    MFA is about account access protection.
    KYC is about identity assurance / regulatory risk.
    Fraud filtering is about transactional abuse control.

    These are three different control planes, and we shouldn’t mix them up. Each has its own purpose, and they address different threat models.

    Not every business needs all three.
    It depends entirely on the problem you’re trying to solve.
    If you’re worried about credential theft → MFA makes sense.
    If you’re operating in a regulated or high-risk environment → KYC may be required.
    If you’re dealing with card testing and checkout abuse → fraud filtering and velocity controls are critical.

    Large-scale or higher-risk operations might implement all three.

    But treating them as interchangeable solutions is where the confusion starts.

    Thanked by 1jsg
  • forestforest Member
    edited February 23

    @host_c said: Stripe shows what merchants are supposed to see — billing details and transaction metadata. Nothing more.

    So unless you have concrete documentation or evidence that Stripe is exposing customer government IDs to merchants in standard payment flows, I’m going to categorize that claim as internet fantasy + Unicorn Beer.

    If there’s proof, I’m happy to read it.

    Maybe read up in this very thread. ;)

    @host_c said: Login protection ≠ checkout protection ≠ fraud prevention.

    Different layers, different threats, different solutions.

    Hm? But you were the one who was conflating the two issues earlier by comparing KYC and user/password-only authentication? After all, you were the one who just said:

    @host_c said: But pretending you can run a low-cost, high-abuse-target industry with pure username/password and vibes is fantasy.

    Anyway, it would be best not to write with AI slop, as there's little motivation to engage because it makes these kinds of mistakes in the most garrulous way possible. It's hard to know what is you and what is bot.

    Thanked by 2host_c fluffernutter
  • SsreSsre Member

    @host_c said:
    Where did I say shared? - enlighten me please.

    I said customers would appreciate a tighter, more secure environment — not that they should be thrilled about their documents being sprayed across random third parties ( hacked provider databases, there is a difference between a KYC processor and in house KYC, more a bit down this post ).

    In-house KYC isn't what's happening here. The provider is using a third party.

    @host_c said:
    Proper KYC architecture is:

    User → Verified KYC platform → Provider receives validation result only.

    The login page itself stores nothing related to identity documents.

    In reality, many of these KYC services retain your data for decades. Sometimes they store it to train their AI models, sometimes they'll share it with 'trusted' agents and third parties. At minimum, the provider can usually still access the documents, like in the case of Stripe.

    @host_c said:
    There’s a difference between security and data harvesting. - and you as the user can chose the provider you use.

    Right, and as a user I wouldn't use a provider that forces invasive KYC. This is an incredibly competitive market, there's always going to be another option, or just use a provider that accepts crypto.

    Thanked by 2host_c forest
  • forestforest Member
    edited February 23

    @Ssre said: At minimum, the provider can usually still access the documents, like in the case of Stripe.

    And even if KYC providers didn't have a history of severe data breaches, that fact alone is a serious issue, which is certainly not an "internet fantasy". Even if I trusted Stripe (I don't, and for good reason), I certainly wouldn't trust random summerhosts with my government documents which Stripe provides to them.

    In the end, it's a tradeoff between convenience for the provider (reduced fraud) and security/privacy for legitimate buyers (data breaches, enhanced risk of identity theft, etc.). No one will claim that KYC isn't helpful to providers, but the downsides to legitimate consumers must not be understated just because it's nice to have some fewer MJJs hosting nonsense.

    Thanked by 2tentor Ssre
  • Ya, Stripe basically gives access to everything, which is not good.

  • host_chost_c Patron Provider, Top Host, Megathread Squad
    edited February 23

    @Ssre said: In-house KYC isn't what's happening here. The provider is using a third party.

    I used that sa comparison , I did not say nor imply this was the case.

    @Ssre said: In reality, many of these KYC services retain your data for decades. Sometimes they store it to train their AI models, sometimes they'll share it with 'trusted' agents and third parties. At minimum, the provider can usually still access the documents, like in the case of Stripe.

    That can be the case yes, yet, google knows more about you then your own self, unless you have a push button phone and live off the grid for the past decade 2 decades.

    If you are implying that the data is gathered to track us or to be misused by who ever has interests, LOL, well, news flash, that is not new.

    Now imagine the same recognition done on your google photos ( that also contain GEO Location among other things ). Ah yes, that is ~7 years ago, imagine the same thing with today computational power.

    The fact that some store KYC data for years is the last of your problems.

    @Ssre said: Right, and as a user I wouldn't use a provider that forces invasive KYC. This is an incredibly competitive market, there's always going to be another option, or just use a provider that accepts crypto.

    Exactly, that was my saying also, don't like it, move on.
    If a provider’s policies don’t align with your preferences, the market gives you options. That’s the benefit of competition.

    But just because someone personally dislikes stricter verification doesn’t automatically make it evil or malicious. - it is a chaoice

    Account creation, login and payment are one part of the business, and a business has much much more moving parts.

    @forest said: Maybe read up in this very thread. ;)

    I did, otherwise I would have not started this conversation.

    They explicitly stated identity verification will be handled by a trusted third-party provider (Stripe Identity), and that xHosts does not receive or store identity documents itself.

    I already stated that the provider does not see or receive government ID data through standard Stripe payments, personally I have never seen anything like that in the Stripe panel/dashboard, not for normal transactions, not even for accounts with hundreds of failed payment attempts, and also not for disputes.

    That is why I categorized that statement under “internet fantasy + Unicorn Beer.”

    @Sree

    It’s not “AI slop.” I’m simply not a native English speaker, and I run my sentences through grammar correction tools to make sure my message is clear and understandable. ( grammarly is one of them for example )

    Clarity matters to me more than stylistic purity.

    We can switch to one of my native languages if you prefer. You have 2 to chose from.

    Thanked by 1jsg
  • @host_c said: the provider does not see or receive government ID data through standard Stripe payments,

    Stripe itself notes on their page that the provider DOES see everything - ID, selfie, ID's data etc.

    Thanked by 2tentor forest
  • host_chost_c Patron Provider, Top Host, Megathread Squad

    @JohnFilch123 said: Stripe itself notes on their page that the provider DOES see everything - ID, selfie, ID's data etc.

    Send me that link, as I did not find nor I saw any option like that.

  • rpqurpqu Member

    @host_c said:
    If someone is doing in-house KYC and storing raw documents locally without proper compliance structure, that’s a different discussion entirely. ( and yes, I would not trust one of these as I doubt that they have the same security structure as a KYC processor )

    Proper KYC architecture is:

    User → Verified KYC platform → Provider receives validation result only.

    The login page itself stores nothing related to identity documents.

    I understand, using a specialized vendor is a good practice... Until they get breached 🤪. That's the reason discord is bleeding hard once they demand KYC

    You have explained the usage of MaxMind, FraudLabs, ASN & country level filtering, 3DS (and the limitations). But, that's not enough to reduce the fraud-associated costs to reasonable level? Or zero is the goal?

    Thanked by 1tentor
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