Re:German cartel office initiates proceedings against PayPal
by lxgr on Tuesday January 24, 2023 @09:34AM
(#34504046)
As a customer, you can still use your credit card at Paypal and file disputes with your issuer as usual. The merchant just does not get your card number directly, which anecdotally many users perceive as an advantage.
As for German regional effects: Paypal allows payments via SEPA Direct Debit there too (~ACH), which are free but very risky for merchants. Many customers don’t have any online-usable debit card, so that is often their only way to pay online. Paypal takes on that risk for a fee.
Re:German cartel office initiates proceedings against PayPal
by pasc1878 on Tuesday January 24, 2023 @11:16AM
(#34505571)
I am in the UK.
As an anecdote - not passing on my credit card details is one reason why I use paypal and then pay Paypal by credit card to get the good disputes process and I trust paypal more than a unknown random place on the web. I now do prefer to use Apple Pay in this case as I trust Apple more than paypal.
I do make larger purchases with my credit card to make any dispute easier.
For plumbers and others who don't take credit cards I use the direct bank payment.
Because I believe you. But I also have only ever experienced PayPal as an entirely unnecessary middleman. So I think there may be regional differences in play.
I can’t remember the last time I typed in a credit card number. Giving it to PayPal seems like a less secure option, given how free from consequences companies are. And the credit card company is completely on your side. Though maybe that’s because of local laws? Getting a chargeback through PayPal is pulling teeth and their fees are ridiculous.