A bit bizarre reading through the comments on here. It's like stepping back in time.<p><i>Many</i> suppliers demand 0 day terms now: You pay with a credit card or wire upfront, often before service or goods are even provided. Certainly for everything under a few thousand dollars, and often even for five digit purchases. Yes, even large companies.<p>Oh, your super big company wants net 60 (or they'll threaten net 90)? If that even is offered, the vendor almost certainly adds a time and risk premium to the cost (that "early payment discount" is actually the real price. the net 30/60/90 prices are heavily penalized).<p>Vendors aren't your creditors. <i>Certainly</i> random individual freelancers aren't. The notion that you, the customer, start a relationship with a payment company that demands a fee to get paid is absolutely <i>ludicrous</i>. Despite all of the splitting of hairs, it is far closer to a payday loan than it is factoring (FastFunds/WorkMark or whatever has their relationship with the publisher, not with the freelancer who just wants his cash, much less at the usurious prices).<p>What a world when even the people of HN are defending these practices.