They're still charging MSRP. And they're also remitting required sales tax to the respective states. The B&H customer benefits, as either B&H or Comenity (via reimbursement to B&H, perhaps) is absorbing the sales tax cost.

The PayBoo concept is great for customers, IF sales tax avoidance is the option selected AND IF Comenity is paid promptly to avoid late fees and interest charges AND IF Comenity doesn't screw up payment processing. The customer's advantages come with the "price" of pain and aggravation of dealing with Comenity should that ever be necessary. But prompt online payment in full should make that an unnecessary annoyance.

As the vendor/retailer, B&H is legally responsible for remitting the sales tax to the states. Most retailers collect the tax from the customer, and thus serve as a collection/remittance middleman between customer and state. With PayBoo, the collection from customer aspect of the process is eliminated (if that's the option the customer selects).

You may be correct that Comenity reimburses B&H for sales tax avoided by customers using PayBoo, but remittance to states would be handled solely by B&H, whether or not they receive reimbursement from Comenity.

B&H DOES "collect" the sales tax via their payment processing system, then--as a part of the same transaction--reimburses (credits) the customer. The tax amount is captured for reporting and remittance to the relevant state. Essentially, B&H is absorbing the sales tax cost on behalf of the customer. Particularly for large ticket items, it's a great benefit available to B&H customers.

Yes, for incorporation especially (DE). I expected to find Comenity incorporated in Delaware, but apparently not. Just their one operating office located there.

Actually, both Bread Financial and its subsidiary, Comenity Bank, are headquartered in Columbus. The Delaware office is Comenity's only operating branch, it appears. Also affiliated with Bread is Comenity Capital Bank, which appears to be headquartered in Utah. Like you, I had wondered about the Texas reference.

Exactly. I don't think anything in the link or my comments indicate otherwise.

Actually, at its most basic level, PayBoo IS B&H, since the arrangement with Comenity/Bread was negotiated by B&H and since the card is not usable anywhere other than B&H. Nevertheless, customer issues with regard to terms and use of the card are resolved via the bank, not directly with B&H.

At the risk of further redundancy, in an already redundant thread:

https://appleinsider.com/deals/bh-payboo-card#:~:text=2022%20update%3A%20The%20B%26H%20Payboo,issued%20through%20Comenity%20Capital%20Bank.

I think there's one mistake in the article re: purchasing ability, but that doesn't affect the operational details of the program. Note that B&H's current Payboo program with Comenity/Bread Financial only began in 2022. Prior to that, Payboo was through Synchrony Bank. Also note that some states/territories prohibit use of the sales tax refund option.

UNEXCEPTABLE. Without exception? Good, albeit antique, word. Most recent reference in Oxford English Dictionary is 1702, Cotton Mather.

Particularly since B&H switched from Synchrony Bank to Comenity (now called Bread Financial), I have had multiple issues with PayBoo. All, essentially, centered around late posting of payments by Comenity. Their delays in crediting my account resulted in interest and late payment fees. Of course, I can't prove whether the delays were due to the bank's incompetence or are attributable to Louis DeJoy's mismanagement of USPS. However, I never had any such issues when Synchrony sponsored the PayBoo card. I use PayBoo solely to save the sales tax on purchases from B&H. Now, as soon as I receive merchandise and determine that I will not be returning it, I pay Comenity online. Thus far, they have managed to execute scheduled online payments within a day or two of the date I specify.

I still sell several images from my film days (landscapes from 2006 and before, shot primarily on Fujichrome Velvia 50). Far more of my sales are images from digital cameras ranging from an 8mp Canon 20D to the 45mp R5. In conversation with customers and camera enthusiasts who visit the gallery, I often tell them that, for me, film was much more rewarding because it was more difficult, more demanding. Digital, on the other hand, is far more productive in terms of creating quality images; it's far easier, far more forgiving than my slide film.

If/when I "age out" of actively selling, I might drag out my favorite film camera for fun. As long as I am selling, however, give me digital, and mirrorless.

Wire is attached via an inset metal frame attached to the back of the aluminum sheet. Same is true if one opts for a French cleat hanging system; that method prevents the print shifting from vibrations or accidental bumps. BRI and Bay charge the same for inset frame with wire or French cleat. Prints larger than 30x45 are not available (from those labs) with the float block mount.

Absolutely and solely a matter of personal taste. To me, creatures (and humans) look better on canvas, because the texture of canvas more closely approximates the texture of feathers, fur, hair, skin, etc. I reserve metal for landscapes, which (again, just my opinion) look fantastic on metal.

If you decide to go with metal, I would avoid the sheer options. Those allow the natural aluminum color to show through a bit. I like those surfaces for metallic subjects such as autos, boats, planes, etc.

As suggested by someone above, if you decide to print on canvas I'd suggest boosting saturation a bit, as canvas presents noticeably less vibrant prints than does metal.

To which lab are you comparing Bay's pricing? Bay and their Black River Imaging division are typically a bit less expensive than Vivid, White House, and possibly others. But not by 40%. Bay is presently running a 20%-off sale. That likely distorts the comparison.

Absolutely. Given an image with rich blacks and high contrast, b&w on metal can be stunning.

The dye sublimation process, coupled with the reflectivity of prints on aluminum, provide a vibrance and clarity that in my experience is unrivaled by either paper or canvas. Several customers have asked me if the prints are somehow backlit. They aren't, of course, but to me prints on metal are ideal for landscapes. My primary metal print labs are BLACK RIVER IMAGING (a division of Bay Photo, but with free shipping, unlike Bay) and WHITE HOUSE CUSTOM COLOR, also with free shipping. Based on prints provided by these two labs, warm colors are enhanced on metal as compared to paper or canvas. Cooler colors, on the other hand, aren't significantly different on metal versus other surfaces, at least to my eye. I don't think the processing software or technique employed is nearly as big a factor as the dye sub printing process.

Many people seem unaware that the various print labs offer not only the more commonly displayed "high gloss" metal prints, but also versions called mid-gloss and satin, both of which are somewhat akin to moving from gloss paper to lustre/matte finish paper. Also available are metal prints with a clear underlayer (as opposed to the more standard white underlayer), allowing the sheen and texture of the aluminum sheet to show through. Those surfaces might be good for photographs of subjects such as cars, boats, planes, even buildings.