PayPal is mostly a CC middleman at this point, with some banking features purely so they can profit off the float of positive account balances.
PSA: don’t keep any money in a PayPal account. They can and do “freeze” accounts and unless you have a buddy who works there good luck ever seeing it again.
PayPal also supports debit cards which is great for countries where owning a credit card is rare. I don’t own a credit card and I know very few people who do.
I’m US based and always use credit cards online (and pay them off every month of course) for the strong consumer protections they offer vs debit: $0 fraud liability, extended warranties, and rewards points/travel miles.
I’m curious about your experience here: have you ever encountered a scenario where you wanted to use your debit card, but the merchant only accepted credit cards?
I never said that, just disputing the claim that credit cards are “not usual in the civilized world”. CC is absolute the norm for mass-market b2c services, and to claim otherwise is pure ignorance.
I never said that, just disputing the claim that credit cards are “not usual in the civilized world”. CC is absolute the norm for mass-market b2c services, and to claim otherwise is pure ignorance
Oh sure, debit vs credit is largely a non-distinction here since debit cards are generally on the same network: Visa or less commonly MasterCard. So unless there are other business-related reasons to deny debit cards (currency conversion or cross-border regulations maybe?), they should be handled by the same processor as a credit card and usually for a much lower transaction fee too!
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I’m sorry, are you expecting to be able to mail them cash or something? And please don’t say crypto…
ever heard of PayPal it’s a niche company for payment processing
PayPal is mostly a CC middleman at this point, with some banking features purely so they can profit off the float of positive account balances.
PSA: don’t keep any money in a PayPal account. They can and do “freeze” accounts and unless you have a buddy who works there good luck ever seeing it again.
PayPal also supports debit cards which is great for countries where owning a credit card is rare. I don’t own a credit card and I know very few people who do.
I’m US based and always use credit cards online (and pay them off every month of course) for the strong consumer protections they offer vs debit: $0 fraud liability, extended warranties, and rewards points/travel miles.
I’m curious about your experience here: have you ever encountered a scenario where you wanted to use your debit card, but the merchant only accepted credit cards?
I payed my nebula subscription with google pay which goes through PayPal.
I never said that, just disputing the claim that credit cards are “not usual in the civilized world”. CC is absolute the norm for mass-market b2c services, and to claim otherwise is pure ignorance.
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I never said that, just disputing the claim that credit cards are “not usual in the civilized world”. CC is absolute the norm for mass-market b2c services, and to claim otherwise is pure ignorance
In Europe I would say debit cards are way more common than credit cards. It’s very rare to see someone paying with a credit card.
Oh sure, debit vs credit is largely a non-distinction here since debit cards are generally on the same network: Visa or less commonly MasterCard. So unless there are other business-related reasons to deny debit cards (currency conversion or cross-border regulations maybe?), they should be handled by the same processor as a credit card and usually for a much lower transaction fee too!