A Final Farewell

That&#x27;s too bad. I loved using Final.<p>I know Privacy [0] is one possible alternative, but it&#x27;s debit based rather than credit based like Final is, and they require linking a bank account by username and password, which AFAIK makes you entirely liable for any fraudulent activity for the account, so that&#x27;s a non-starter for me. Anyone aware of any other services that provide virtual cards like these?<p>[0] <a href="https:&#x2F;&#x2F;privacy.com&#x2F;" rel="nofollow">https:&#x2F;&#x2F;privacy.com&#x2F;</a><p>EDIT: just found out about Token [1], which seems similar. But the fact that it makes you enter your phone number to get a link to the app seems rather shady... I can&#x27;t seem to find their app on the Play Store so I&#x27;m going to assume they&#x27;re iOS only and skip it. Can anyone comment on their experience with the service?<p>[1] <a href="https:&#x2F;&#x2F;jointoken.com&#x2F;#slide1" rel="nofollow">https:&#x2F;&#x2F;jointoken.com&#x2F;#slide1</a>

We&#x27;re going to get to a point where no one is willing to invest any time or money (as a consumer) into products sold by a startup, because they all vanish quickly and with short or no notice. I&#x27;m already at that point.<p>It&#x27;d suck to be a stable startup with plenty of funds&#x2F;cashflow in a similar niche to a company closing like this, and have people not willing to try your product because they&#x27;re now too timid.

Thoughts on why this happened? I wish they were more forthcoming about the causes. This is the corporate equivalent of ghosting on your tinder date.

I emailed their support and they said they&#x27;ve been acquired by another company but can&#x27;t disclose the details.

Had to look up their page (getfinal.com). Had I known about this product, I probably would have embraced it. Wish the team the best of luck, and hope it gets revived!

I feel kind of guilty since I rarely used my card.<p>The points I would usually get from my other cards were better.<p>Also for online transactions, which was supposed to be the strong point of Final, I never use my card on unreputable sites. But even if I did, disputing transactions is so easy these days.<p>Sorry that you didn’t make it folks. Good luck in your future adventures.

This is such a shock to me! I&#x27;ve been a Final customer for a year or so now, and I have absolutely loved their product. I told all of my friends about it. I&#x27;m so sad to hear they&#x27;re shutting down, and very curious as to why.

For a credit card company their support was amazing. I had a few issues with the 2fa SMS being delayed and they answered within a couple minutes.

That was fast (or slow, I guess)... I knew this was gonna happen with Final.<p>Now let&#x27;s hope Privacy doesn&#x27;t also decide to close one day. (It does just virtual cards with your bank ACH backing it)

This really, really sucks. I have a business credit card that I have to update 20+ sites for every time there&#x27;s a compromised card issue, and I&#x27;d really love to be able to use one card # for each business I work with. They were going to launch a business card in the future but apparently that is now scrapped.<p>Are there any alternatives out there for doing this?

I received the same message. I&#x27;m a little disappointed that such a notification would be sent via email without any verification on their website, blog, or social media accounts.<p>If it&#x27;s legit, I&#x27;m saddened. Final had a great idea in virtual cards. I hope someone can explain why they are closing down.

I think this was a great idea, so I&#x27;m sad to see it go. I have prepaid credit cards for potentially sketchy sites and one &quot;main&quot; credit card that I use for most of my payments online. This could probably have reduced the &quot;administration&quot; overhead involved.<p>Is anyone aware of a similar offering that is available in Germany? I wouldn&#x27;t think so, after all most people here don&#x27;t even have a credit card. We do have debit&#x2F;ATM cards, but they use a separate payment network developed in German and are not interoperable with Visa&#x2F;MasterCard.<p>On that note, I wouldn&#x27;t mind not getting any benefits since most cards here don&#x27;t offer any notable ones either. This is probably a direct consequence of there being a pretty strict cap on transaction fees (iirc 0.3% on credit cards).

I interviewed with them very very recently. I guess not getting the job was a good thing!

Anyone know how this closing could affect your credit if you were a Final customer?

I would have used Final if it were a debit card. Didn&#x27;t want another credit card and was bummed to see that&#x27;s what it was.

I never used Final but from a quick skim it seems like Revolut cover a lot of what they did (and more).

Blog post: <a href="https:&#x2F;&#x2F;getfinal.com&#x2F;company-news&#x2F;2017&#x2F;12&#x2F;06&#x2F;a-final-farewell&#x2F;" rel="nofollow">https:&#x2F;&#x2F;getfinal.com&#x2F;company-news&#x2F;2017&#x2F;12&#x2F;06&#x2F;a-final-farewel...</a>

A contender for <a href="https:&#x2F;&#x2F;ourincrediblejourney.tumblr.com&#x2F;" rel="nofollow">https:&#x2F;&#x2F;ourincrediblejourney.tumblr.com&#x2F;</a> ?