Why don't developers offer payment in instalments?
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basslinemaster basslinemaster https://www.kvraudio.com/forum/memberlist.php?mode=viewprofile&u=288258
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- 834 posts since 20 Sep, 2012
I think this would increase sales by a lot. Say, for example, a company selling a £99 synth gave the option of paying three monthly instalments of £33. They could initially offer you a version that had a one month expiration in the copy protection, so you pay £33, get a copy that will expire in a month's time, pay the second £33, and get a second copy of the VST that expires in another month, and then pay the final £33, and get a copy that never expires. Plenty of developers offer beta versions of programs they are working on, which expire after a set time, so that you have to download the latest version from them, so it isn't difficult to do.
If you couldn't afford to pay after the first month expired you would still have your payment counted in their system, and then maybe in a few month's time you could pay the next £33, and download the second copy which would expire after another month, and then pay the final £33 when you can afford it.
If you couldn't afford to pay after the first month expired you would still have your payment counted in their system, and then maybe in a few month's time you could pay the next £33, and download the second copy which would expire after another month, and then pay the final £33 when you can afford it.
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- KVRAF
- 2989 posts since 5 Nov, 2014
Why not just give you one that is going to expire in 3 months instead, for what is worth, your money is with them anyways, even if you back off and use synth for two more months, they got that covered with your first installment, which is more than fair for 3 months of trial period. 
Or just subscription way, but you get your thing and own it after you pay for it
Or just subscription way, but you get your thing and own it after you pay for it
Last edited by Passing Bye on Fri Feb 27, 2015 3:17 pm, edited 1 time in total.
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basslinemaster basslinemaster https://www.kvraudio.com/forum/memberlist.php?mode=viewprofile&u=288258
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- Topic Starter
- 834 posts since 20 Sep, 2012
Because the instalments, in my example, would be monthly... (I knew when I posted this idea that somebody would disagree with it, for no good reason...)
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- KVRAF
- 2989 posts since 5 Nov, 2014
Because you make it so complicated without apparent reason and think only about yourself in that story, you don't think about hassle other party have to support pay whenever you can and whatever way of business that is proposed, basically there is installment way that works already and there is subscription way that could see light of the day for many rather than this hassle you are proposing 
And what about customers that buy instantly, they deserve some discount because they didn't went with installments or subscription or do you expect you pay fair price without interest on installments?
And what about customers that buy instantly, they deserve some discount because they didn't went with installments or subscription or do you expect you pay fair price without interest on installments?
Last edited by Passing Bye on Fri Feb 27, 2015 3:31 pm, edited 1 time in total.
- KVRAF
- 6097 posts since 5 Jul, 2001 from Just about .... there
The means to do this already exists without causing an admin hassle for the vendor. It's called get a credit card or use a payment system through paypal or whatever.
If you have to ask, you can't afford the answer
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basslinemaster basslinemaster https://www.kvraudio.com/forum/memberlist.php?mode=viewprofile&u=288258
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- Topic Starter
- 834 posts since 20 Sep, 2012
So more sales = way too much hassle? You do realise all of this is automated, and once set up, requires no work whatsoever from the developer? Sheesh...
What do you mean, SJ_Digriz "use a payment system through paypal or whatever"? Credit cards charge interest. "without causing an admin hassle for the vendor"... So more sales = admin hassle?
Passing Bye, I made it so complicated? How? What instalment way that works already are you talking about?
Customers that pay in instalments could be charged 10% extra, or something like that, if that makes you happy. It wouldn't bother me either way, if I was paying full price, if others were paying the same but on instalments for three months.
What do you mean, SJ_Digriz "use a payment system through paypal or whatever"? Credit cards charge interest. "without causing an admin hassle for the vendor"... So more sales = admin hassle?
Passing Bye, I made it so complicated? How? What instalment way that works already are you talking about?
Customers that pay in instalments could be charged 10% extra, or something like that, if that makes you happy. It wouldn't bother me either way, if I was paying full price, if others were paying the same but on instalments for three months.
- KVRAF
- 4468 posts since 15 Nov, 2006 from Hell
so you essentially want a zero interest loan from the developer? why not go to a bank instead? get a small load, pay all of it in time, only to a bank, not to developer.basslinemaster wrote:What do you mean, SJ_Digriz "use a payment system through paypal or whatever"? Credit cards charge interest.
no, it's just adding one more level to manage and for things to go wrong.basslinemaster wrote:"without causing an admin hassle for the vendor"... So more sales = admin hassle?
I don't know what to write here that won't be censored, as I can only speak in profanity.
- KVRAF
- 6097 posts since 5 Jul, 2001 from Just about .... there
For $100 .. .yes, it's a stupid accounting hassle for little gain. Especially when there is already a system in place to allow for payment plans. That really doesn't take any time from the company, instead of your mythical doesn't take any time from the company.basslinemaster wrote:So more sales = way too much hassle?
That just shows how ridiculously ignorant you are about accounting, and/or running a business.You do realise all of this is automated, and once set up, requires no work whatsoever from the developer? Sheesh...
Paypal has delayed payments and a credit system. Sometimes without interest.What do you mean, SJ_Digriz "use a payment system through paypal or whatever"?
We call that interest on a credit card and is already the accepted and well established way to do things.Customers that pay in instalments could be charged 10% extra, or something like that, if that makes you happy
If you have to ask, you can't afford the answer
- KVRAF
- 1769 posts since 1 Mar, 2010 from Paris
Why not simply save up?
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- KVRAF
- 2989 posts since 5 Nov, 2014
Yes you did, everything is already said, you clearly need to take a breath and do some thinking, but whatever, this ain't going to happen, so why bothering here with you at all, cheers 
Last edited by Passing Bye on Fri Feb 27, 2015 3:46 pm, edited 1 time in total.
- KVRAF
- 6097 posts since 5 Jul, 2001 from Just about .... there
gasp .. what a concept ... but then he'll have to WAIT an ENTIRE 3 MONTHS.Karten wrote:Why not simply save up?
If you have to ask, you can't afford the answer
- KVRAF
- 6097 posts since 5 Jul, 2001 from Just about .... there
So you post an idea to get feedback. You know you are going to get it. But are unhappy about getting it?basslinemaster wrote: (I knew when I posted this idea that somebody would disagree with it, for no good reason...)
You simply received logical explanations of why you maybe need to rethink your idea. It's not personal, nor an attack. It's just an evaluation of your idea floated against the reality of the way finances work.
If you have to ask, you can't afford the answer
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basslinemaster basslinemaster https://www.kvraudio.com/forum/memberlist.php?mode=viewprofile&u=288258
- Banned
- Topic Starter
- 834 posts since 20 Sep, 2012
No, not a 'zero interest loan' from the developer. Did you even read my first post? In what way is this a loan of any kind?Burillo wrote:so you essentially want a zero interest loan from the developer? why not go to a bank instead? get a small load, pay all of it in time, only to a bank, not to developer.basslinemaster wrote:What do you mean, SJ_Digriz "use a payment system through paypal or whatever"? Credit cards charge interest.
Burillo wrote:no, it's just adding one more level to manage and for things to go wrong.basslinemaster wrote:"without causing an admin hassle for the vendor"... So more sales = admin hassle?
You do realise this is all automated, right? You did read my original post, right? Where I stated that the first download would expire after a month. What does the developer have to do? They've got £33 for something the customer can only use for a month, on a £99 product. That sounds pretty good to me.
Do none of you understand price points? Did none of you see the developer sales before Christmas?
