ubiquity / pay.ubq.fi

Generate and claim spender permits (EIP-2612)
https://pay.ubq.fi
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Simplify virtual cards - offer only supported cards for user location #259

Closed EresDev closed 3 weeks ago

EresDev commented 1 month ago

Currently, we offer all available visa and mastercards provided by Reloadly. There is no geolocation filtering. The bounty hunters can claim their permit in any virtual card. Additionally, Reloadly offers

The goal of this issue is to simplify the feature.

Please note that the virtual cards feature is present in beta branch at the moment. But it can move to development branch anytime. So, keep an eye on that and open a PR accordingly.

image

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0x4007 commented 1 month ago

@EresDev when I spoke to the representative at Reloadly, he highlighted that the cards are region locked. If we mint a US card, it can not be used outside of the US as I understand it.

As such, we must mint based on the user's location. We should automatically select based on IP geolocation, but allow them to select before minting just in case.

0x4007 commented 1 month ago

Speaking of simplifying things:

  1. Before permit "rollups"[^1^] perhaps it makes sense to have a separate UI for generating cards, where we just transfer Ubiquity Dollars from the user's wallet and mint the prepaid card.
  2. After permit rollups, I think it makes sense to display "mint card" on the rewards UI.

@rndquu any idea on progress for the "permit rollups" feature? I know you had a discussion some months ago with the transient contributor that never completed it.

Also perhaps we should start minting some Ubiquity Dollars and get this infrastructure underway for card minting?

[^1^]: Meaning when we save all the permits to our database, and change the rewards interface to display all the outstanding permits, and allow the user to claim them all at once.

EresDev commented 1 month ago

@EresDev when I spoke to the representative at Reloadly, he highlighted that the cards are region locked. If we mint a US card, it can not be used outside of the US as I understand it.

It is not exactly true. But it is ok to go this statement because I see it reduces the chances of wrong card minting by new users.

The drawback is that it reduces options for experienced users. Why his statement is not exactly right? the card below shows up if you filter the location as US. But the card states it is international and I have tried it in non-US locations and it worked. This helps with locations which don't have any cards.

image

As such, we must mint based on the user's location. We should automatically select based on IP geolocation, but allow them to select before minting just in case.

Does it mean we should offer all cards based on their location? and not just the US card?

rndquu commented 1 month ago

@EresDev

Remove the "Also available in" part from the UI.

+1

But the card states it is international and I have tried it in non-US locations and it worked.

Where exactly did you try it? The card bin is for German bank by the way.

the cards are region locked

I also remember reading it in the docs. Perhaps it makes sense to filter cards by ISO code via https://docs.reloadly.com/gift-cards/Products/Get-Product-by-ISO-Code ?

Does it mean we should offer all cards based on their location? and not just the US card?

Yes, because otherwise we risk minting gift cards which can't be used in contributor's country and there's no way (as far as I understand) to redeem the card's value back to the reloadly account.

Overall "gift cards" feature is starting to be complicated so it makes sense to find a proper virtual cards provider API without complicating the code with the feature that is about to be removed.

rndquu commented 1 month ago

@0x4007

Before permit "rollups"1 perhaps it makes sense to have a separate UI for generating cards, where we just transfer Ubiquity Dollars from the user's wallet and mint the prepaid card

You mean this flow:

  1. We set permit rewards in Ubiquity Dollars
  2. Contributor solves an issue and claims the permit in Ubiquity Dollars
  3. Contributor opens card.ubq.fi (for example)
  4. Contributor transfers on-chain Ubiquity Dollars to the treasury EOA or our smart contract
  5. We order a gift card for the contributor

Correct?

Also perhaps we should start minting some Ubiquity Dollars and get this infrastructure underway for card minting?

There's not much infrastructure, we just need to provide LUSD collateral to mint some Ubiquity Dollars, we can do it anytime

0x4007 commented 1 month ago

You mean this flow: ... Correct?

Yes. The emphasis being on that they can collect several permits and then at once mint the larger card amount using their wallet balance.

In theory this also means that anybody with ubiquity dollars should be able to access the card minting, regardless if they purchased from the market or earned in the system.


@rndquu any idea on progress for the "permit rollups" feature? I know you had a discussion some months ago with the transient contributor that never completed it.

This is referring to saving permits in the database and then displaying the sum total on the cash out interface. Any updates there?

0x4007 commented 1 month ago

Yes, because otherwise we risk minting gift cards which can't be used in contributor's country and there's no way (as far as I understand) to redeem the card's value back to the reloadly account.

This is correct according to the representative.

Overall "gift cards" feature is starting to be complicated so it makes sense to find a proper virtual cards provider API without complicating the code with the feature that is about to be removed.

Unfortunately we could not come to an agreement with these partners. Even if we did the relationship can be rug pulled at any time. I don't have high confidence when it comes to crypto and card issuers.

I actually think that these reward cards might be the most robust backup option we have, and I think we should always keep it around. Once it's implemented fully and without problems, then I think we can make efforts to partner with the other options as a stretch goal.

Either way, there is a real advantage for not having to go through KYC for new users to benefit from the system. With reward cards, the cash out process is with the least friction that I can think of, so as long as we can figure out the location quirks.

EresDev commented 1 month ago

Where exactly did you try it? The card bin is for German bank by the way.

I have used it on Google Play Store. The card shows up under the location filter as the United States.

Maybe I am looking it too subjectively here. Fiat cards didn't work many times when they were supposed to and vice versa. That is why, I wanted to put the decision of picking a card on the user. But let's go with what the instructions say and filter them by location.

image

0x4007 commented 1 month ago

If it helps I can make a dedicated group chat and invite the representative. This will allow you guys to clear up any and all questions definitively. @EresDev I think it is worthwhile for us to understand exactly why you had the issues that you did. Please ask in the group chat.

EresDev commented 1 month ago

I just double-checked to confirm thinking maybe I am wrong somewhere. I see that it was not mastercard. it was visa that I had used. But it was US Visa International card. So, the situation was same.

image

If it helps I can make a dedicated group chat and invite the representative. This will allow you guys to clear up any and all questions definitively. @EresDev I think it is worthwhile for us to understand exactly why you had the issues that you did. Please ask in the group chat.

We can talk with them tomorrow and clear our concerns.

0x4007 commented 1 month ago

They are in the group chat already.

EresDev commented 1 month ago

They are in the group chat already.

Here is a summary of the information I got from the group chat.

There are separate lists of supported countries for MasterCard & visa exclusive to Reloadly. It is not necessarily the same list as the countries' lists on redeeming websites like myprepaidcenter.com. Ask me for the lists if you need it. It is possible that a card works on one of the countries not listed there, but the card will be blocked later.

There are no refunds or replacements of cards even if you have made a mistake or card got blocked.

There are certain international cards with specific SKUs. They work for a list of 35 countries right now. If one country has no available card, and it is in those 35 countries, you can give them one of the international card. It should work. I am waiting to receive the list of these 35 countries & skus from Reloadly.

Finally, we should implement the geolocation filter and offer users the card only for their location.

rndquu commented 1 month ago

This is referring to saving permits in the database and then displaying the sum total on the cash out interface. Any updates there?

https://github.com/ubiquibot/conversation-rewards/issues/64

rndquu commented 1 month ago

In theory this also means that anybody with ubiquity dollars should be able to access the card minting, regardless if they purchased from the market or earned in the system.

Right now the card mint flow at https://github.com/ubiquity/pay.ubq.fi/pull/226 is the following:

  1. Contributor sends his reward on-chain to a treasury address
  2. Contributor sends tx hash to the backend at pay.ubq.fi which mints a gift card

So the logic behind the "anybody with ubiquity dollars should be able to access the card minting" feature doesn't change much. Contributor still has to transfer ubiquity dollars (i.e. reward) on-chain to a treasury address and provide a tx hash to the backend at pay.ubq.fi.

In order not to complicate interface at pay.ubq.fi it makes sense to move the "anybody with ubiquity dollars should be able to access the card minting" feature to a separate page like pay.ubq.fi/cards. As far as I understand it requires some changes in the backend logic + a new frontend for pay.ubq.fi/cards. If that sounds ok then let's create a new github issue.

0x4007 commented 1 month ago

@rndquu yes sounds good you can create a new issue.

EresDev commented 1 month ago

Some more information from the group chat.

I have received the international cards SKUs list. The important SKUs in the list are 18597 for Mastercard and 18593 for Visa. These international USD cards can be sold to any country in the allowed list. But this should be practiced to a minimum. Their program manager is pushing for location based sales. Small volumes like 1-2k sales of these skus would be ok, but for higher volumes like 100k, the location based cards should be used.

rndquu commented 1 month ago

Some more information from the group chat.

I have received the international cards SKUs list. The important SKUs in the list are 18597 for Mastercard and 18593 for Visa. These international USD cards can be sold to any country in the allowed list. But this should be practiced to a minimum. Their program manager is pushing for location based sales. Small volumes like 1-2k sales of these skus would be ok, but for higher volumes like 100k, the location based cards should be used.

So we're going to implement both, right?

I mean this flow:

rndquu commented 1 month ago

@rndquu yes sounds good you can create a new issue.

https://github.com/ubiquity/pay.ubq.fi/issues/267

EresDev commented 1 month ago

So we're going to implement both, right?

I mean this flow:

If location based gift card is available for contributor then order it If contributor's country is in the Mastercard SKU list then use 18597 (because Mastercard is tokenized and can be used in Apple wallet) If contributor's country is in the Visa SKU list then use 18593

We are still going to show the list of available cards to user based on their location. User should have options I think. One location can have multiple visas and mastercards. They are available in different price ranges, they have different limitations and different order fees.

In this issue, I am thinking to just offer the location based cards only. I see it is easy to cross the 1-2k threshold on international USD cards.

One more useful info from the group chat

The countries we activated are the most used ones.. we can enable the rest based on feedback. You need to mention which countries you will be using from the list. Simply. Let's not complicate the process

This means they are flexible to offer cards for a location that has demand.

Later, we can gradually add international USD cards or ask them to add cards for locations where we don't have cards but there is demand.

This is what It think it should be. Start small. See how it goes in production. But if you think we should support both then let me know and I will add both. @rndquu

rndquu commented 1 month ago

In this issue, I am thinking to just offer the location based cards only. I see it is easy to cross the 1-2k threshold on international USD cards.

Later, we can gradually add international USD cards or ask them to add cards for locations where we don't have cards but there is demand.

Sounds good

EresDev commented 1 month ago

/start

ubiquibot[bot] commented 1 month ago

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0x4007 commented 1 month ago

If contributor's country is in the Mastercard SKU list then use 18597 (because Mastercard is tokenized and can be used in Apple wallet)

Ideally we should only offer tokenized options. I feel like that's a big part of the vision- to be able to spend anywhere. Is it all the Mastercard options? Or is it only the USA one?

18597   Virtual MasterCard International USD US United States
18630   
Mastercard Prepaid USD Debit (Virtual only) DZ
Algeria
18631   
Mastercard Prepaid USD Debit (Virtual only) AU
Australia
18632   
Mastercard Prepaid USD Debit (Virtual only) AT
Austria
18633   
Mastercard Prepaid USD Debit (Virtual only) BD
Bangladesh
18634   
Mastercard Prepaid USD Debit (Virtual only) BE
Belgium
18635   
Mastercard Prepaid USD Debit (Virtual only) BR
Brazil
18636   
Mastercard Prepaid USD Debit (Virtual only) CA
Canada
18637   
Mastercard Prepaid USD Debit (Virtual only) CO
Colombia
18638   
Mastercard Prepaid USD Debit (Virtual only) DM
Dominica
18639   
Mastercard Prepaid USD Debit (Virtual only) EC
Ecuador
18640   
Mastercard Prepaid USD Debit (Virtual only) EG
Egypt
18641   
Mastercard Prepaid USD Debit (Virtual only) FI
Finland
18642   
Mastercard Prepaid USD Debit (Virtual only) FR
France
18643   
Mastercard Prepaid USD Debit (Virtual only) DE
Germany
18644   
Mastercard Prepaid USD Debit (Virtual only) GR
Greece
18645   
Mastercard Prepaid USD Debit (Virtual only) IN
India
18646   
Mastercard Prepaid USD Debit (Virtual only) ID
Indonesia
18647   
Mastercard Prepaid USD Debit (Virtual only) IE
Ireland
18648   
Mastercard Prepaid USD Debit (Virtual only) IT
Italy
18649   
Mastercard Prepaid USD Debit (Virtual only) JM
Jamaica
18650   
Mastercard Prepaid USD Debit (Virtual only) JO
Jordan
18651   
Mastercard Prepaid USD Debit (Virtual only) MY
Malaysia
18652   
Mastercard Prepaid USD Debit (Virtual only) MX
Mexico
18653   
Mastercard Prepaid USD Debit (Virtual only) NL
Netherlands
18654   
Mastercard Prepaid USD Debit (Virtual only) PH
Philippines
18655   
Mastercard Prepaid USD Debit (Virtual only) PL
Poland
18656   
Mastercard Prepaid USD Debit (Virtual only) PT
Portugal
18657   
Mastercard Prepaid USD Debit (Virtual only) QA
Qatar
18658   
Mastercard Prepaid USD Debit (Virtual only) SA
Saudi Arabia
18659   
Mastercard Prepaid USD Debit (Virtual only) SG
Singapore
18660   
Mastercard Prepaid USD Debit (Virtual only) ES
Spain
18661   
Mastercard Prepaid USD Debit (Virtual only) TH
Thailand
18662   
Mastercard Prepaid USD Debit (Virtual only) AE
United Arab Emirates
18663   
Mastercard Prepaid USD Debit (Virtual only) GB
United Kingdom
18674   
Mastercard Prepaid USD Debit (Virtual only) AE
United Arab Emirates

They are available in different price ranges, they have different limitations and different order fees.

We should make proactive decisions for the users. We are the experts here, not the users!

In this issue, I am thinking to just offer the location based cards only. I see it is easy to cross the 1-2k threshold on international USD cards.

Agree

EresDev commented 1 month ago

Ideally we should only offer tokenized options. I feel like that's a big part of the vision- to be able to spend anywhere. Is it all the Mastercard options? Or is it only the USA one?

All mastercards. However, they said that in the context of this sku list. So, probably not all mastercards but only in this sku list. You already have an open question in group chat about this. Let's see what they say there.

We should make proactive decisions for the users. We are the experts here, not the users!

Ok, we can do so if we fix the cards for each location manually first. Like using this sku list. We can't pick the card dynamically at runtime due to different limitations. For example, look below at mastercards available for US:

image

Here, we can probably order international card, because it is in the SKU list. But let's assume, this one is sold out. In the next two options, which one should we offer to the user and why?

How about we just go with SKU list only? and offer cards to only these 35 countries?

rndquu commented 1 month ago

Here, we can probably order international card, because it is in the SKU list. But let's assume, this one is sold out. In the next two options, which one should we offer to the user and why?

Any, it's enough for the 1st feature iteration

How about we just go with SKU list only? and offer cards to only these 35 countries?

This is also an option. So basically we have 2 options:

  1. Offer cards only by country
  2. Offer only 18597 Virtual MasterCard International USD US United States which is available only in 35 countries

The initial plan, as far as I understand, was option 1 and adding option 2 later.

EresDev commented 1 month ago

The PR https://github.com/ubiquity/pay.ubq.fi/pull/270 is open for this. See exactly what changes it provides. What I see happening next is the following based on our discussion.

Use only the mastercard SKU list given by reloadly. They are tokenized and only they are tokenized. This also covers the idea of picking card for the customer as we are the experts, not the user. If there is no card available for user country, and user country is in the allowed list, offer them SKU 18597 for Mastercard.

If we are going with this, the contributor of https://github.com/ubiquity/pay.ubq.fi/issues/267 should know that there will be just 1 card to display on their cards page.

Let me know if we are going with this? @0x4007 @rndquu I can do this as the part of this current PR or a new one as you say.

0x4007 commented 1 month ago

I generally think new pulls are better to keep shipping

rndquu commented 1 month ago

@EresDev Just to make it clear, what is the difference between the attached 2 files?

MC allow list 3052024.xlsx MasterCard International.xlsx

  1. Card with SKU 18597 can be used in the countries mentioned in the MC allow list 3052024.xlsx file
  2. The MasterCard International.xlsx file lists the countries with tokenized MC cards

Correct?

ubiquibot[bot] commented 1 month ago

@EresDev the deadline is at 2024-08-06T07:19:52.764Z

EresDev commented 1 month ago

@EresDev Just to make it clear, what is the difference between the attached 2 files?

MC allow list 3052024.xlsx MasterCard International.xlsx

  1. Card with SKU 18597 can be used in the countries mentioned in the MC allow list 3052024.xlsx file
  2. The MasterCard International.xlsx file lists the countries with tokenized MC cards

Correct?

You are right. In addition to that, if a country is not in allow list, we can not give them any mastercard.

ubiquibot[bot] commented 3 weeks ago

@EresDev the deadline is at 2024-08-15T18:26:06.068Z

rndquu commented 3 weeks ago

Today I Learned: github does not automatically close issues as "completed" if related PR is merged not into the default branch

ubiquibot[bot] commented 3 weeks ago
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ubiquityos[bot] commented 3 weeks ago

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Resolves #259 [QA](https://github.com/ubiquity/pay.ubq.fi/pull/…
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@Keyrxng are you looking into this or should I look into this?
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Yes, that is how location detection via timezone is working.
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There is one, it is [geolocation API](https://developer.mozilla.…
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What's included in this PR: - remove fixed price products, and …
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Correct.
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If it helps I can make a [dedicated group chat](https://t.me/+NC…
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They are in the group chat already.
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@rndquu yes sounds good you can create a new issue.
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I generally think new pulls are better to keep shipping
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We should remove this if it's still in our template!
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1 1
To clarify I meant that the `ts-template` should be upda…
1.1
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1 1.1
What about selecting the country based on the city name? Is that…
6.7
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1 6.7

[ 47.25 WXDAI ]

@rndquu
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Issue Comment 10 34.45
Review Comment 6 12.8
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@EresDev +1 Where exactly did you try it? The card bin is for…
11
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0.9 9.9
@0x4007 You mean this flow: 1. We set permit rewards in Ubiqu…
7.2
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0.2 1.44
https://github.com/ubiquibot/conversation-rewards/issues/64
0.1
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0.1 0.01
Right now the card mint flow at https://github.com/ubiquity/pay.…
14.7
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0.8 11.76
So we're going to implement both, right? I mean this flow: -…
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0.7 4.06
https://github.com/ubiquity/pay.ubq.fi/issues/267
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- -
Sounds good
0.2
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Any, it's enough for the 1st feature iteration This is also an …
6.5
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0.6 3.9
@EresDev Just to make it clear, what is the difference between t…
6.3
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0.5 3.15
Today I Learned: github does not automatically close issues as "…
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As far as I understand there might be multiple countries in a si…
3.4
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1 3.4
Current approach is pretty fine: 1. Try to get user's country b…
1.7
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1 1.7
`bash .github/workflows/scripts/kebab-case.sh` is no lon…
1
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1 1
@EresDev How to QA this PR? 1. Set `RELOADLY_API_CLIENT_ID&…
2
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@EresDev Could you review https://github.com/EresDevOrg/gift-car…
0.6
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@EresDev I managed to run it with production credentials for US…
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1 4.1

[ 2.4 WXDAI ]

@Keyrxng
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Review Comment 2 2.4
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An oversight, my mistake
0.4
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@EresDev I'm sorry I didn't notice you had tagged me here my apo…
2
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1 2
ubiquibot[bot] commented 3 weeks ago

[ 93.7 WXDAI ]

@0x4007
Contributions Overview
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IssueComment993.7
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@EresDev when I spoke to the representative at Reloadly, he high...
6.5-6.5
Speaking of simplifying things: 1. Before permit "rollups"[^1...
14.8
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-14.8
> You mean this flow: > ... > Correct? Yes. The empha...
8.7
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-8.7
> Yes, because otherwise we risk minting gift cards which ca...
15.5
a:
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-15.5
If it helps I can make a [dedicated group chat](https://t.me/+NC...
6.2
a:
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-6.2
They are in the group chat already. ...
0.7-0.7
@rndquu yes sounds good you can create a new issue....
1-1
> If contributor's country is in the Mastercard SKU list then...
39.3
code:
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-39.3
I generally think new pulls are better to keep shipping...
1-1

[ 831 WXDAI ]

@EresDev
Contributions Overview
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IssueSpecification134.4
IssueTask1400
IssueComment9198.6
IssueComment90
ReviewComment5132
ReviewComment566
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Currently, we offer all available visa and mastercards provided ...
34.4
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134.4
> @EresDev when I spoke to the representative at Reloadly, he...
20.6-20.6
> Where exactly did you try it? The card bin is for German ba...
14.6-14.6
I just double-checked to confirm thinking maybe I am wrong somew...
10.6
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> They are in the group chat already. Here is a summary of...
34.4
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-34.4
Some more information from the group chat. I have received th...
17-17
> So we're going to implement both, right? > > I mea...
31.4-31.4
> Ideally we should only offer tokenized options. I feel like...
27.8-27.8
The PR https://github.com/ubiquity/pay.ubq.fi/pull/270 is open f...
31.8
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> @EresDev Just to make it clear, what is the difference betw...
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> @EresDev when I spoke to the representative at Reloadly, he...
---
> Where exactly did you try it? The card bin is for German ba...
---
I just double-checked to confirm thinking maybe I am wrong somew...
-
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> They are in the group chat already. Here is a summary of...
-
code:
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--
Some more information from the group chat. I have received th...
---
> So we're going to implement both, right? > > I mea...
---
> Ideally we should only offer tokenized options. I feel like...
---
The PR https://github.com/ubiquity/pay.ubq.fi/pull/270 is open f...
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> @EresDev Just to make it clear, what is the difference betw...
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Right now, Reloadly API and sandbox have started to behave unexp...
120.7612
What's included in this PR: - remove fixed price products, and ...
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> @EresDev How to QA this PR? @rndquu You probably want to...
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> @EresDev I managed to run it with production credentials fo...
0.20.7650.2
Am I supposed to merge this as the reviews appear to be finished...
50.835
Right now, Reloadly API and sandbox have started to behave unexp...
60.766
What's included in this PR: - remove fixed price products, and ...
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> @EresDev How to QA this PR? @rndquu You probably want to...
43.5
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0.73543.5
> @EresDev I managed to run it with production credentials fo...
0.10.7650.1
Am I supposed to merge this as the reviews appear to be finished...
2.50.832.5

[ 97.6 WXDAI ]

@rndquu
Contributions Overview
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IssueComment1084.5
ReviewComment313.1
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@EresDev > Remove the "Also available in" part from the U...
13.1
a:
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-13.1
@0x4007 > Before permit "rollups"[1](https://github.com/u...
14.5
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> This is referring to saving permits in the database and the...
0.8-0.8
> In theory this also means that anybody with ubiquity dollar...
23.6
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> @rndquu yes sounds good you can create a new issue. http...
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> In this issue, I am thinking to just offer the location bas...
0.2-0.2
> Here, we can probably order international card, because it ...
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@EresDev Just to make it clear, what is the difference between t...
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Today I Learned: github does not automatically close issues as "...
2-2
@EresDev How to QA this PR? 1. Set `RELOADLY_API_CLIENT_I...
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@EresDev Could you review https://github.com/EresDevOrg/gift-car...
1.50.6851.5
@EresDev I managed to run it with production credentials for US...
4.10.764.1