Gregory's ServerI pay my bills through my bank's website or phone app.
Remote P2P can be done through the bank app or paypal or a number of other apps.
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26 comments
@batalanto @simon @adam We tend to get a debit card directly from the bank, which can be used to draw cash from the bank ATM's (Any bank, a lot of big shops also provide them for free but smaller operators charge you to draw money. they are all linked) and can be used for purchases, the money comes straight out of your current account.  @BrianSmith950 @batalanto @adam while this is all a bit OT: cheques haven't been a thing in most of western Europe for at least half a century. Essentially they died out as soon as salaries started getting paid by bank transfers/wires. I've never actually wrote out a personal cheque (and I've maybe cashed perhaps max a dozen or so, probable not even that many). @BrianSmith950 @batalanto @simon @adam Same situation in EU. For the checks, I haven't seen one in 25 years. Northern countries are almost all digital. @batalanto @BrianSmith950 @simon @adam just because you think it's shit doesn't mean it is. Lots of people use it and find it practical. Most banks in Europe that I know have almost instant if not instant bank transfers. Why would I bother with checks 😂 @matzipan Not sure you read the whole thread. Anyone who is well informed & does not consider #paypal shit is likely a piece of shit themselves. By “informed”, I mean being aware of these damning facts: https://git.disroot.org/cyberMonk/liberethos_paradigm/src/branch/master/rap_sheets/paypal.md Most people are either uninformed, or unwilling to let ethics get in their way. OSM needs to become informed about Paypal. @batalanto @matzipan @BrianSmith950 @adam the point is without paypal the OSMF would be without a payment processor, nobody has any illusions about the company as such, using them is simply a practicality.  @simon @batalanto @matzipan @BrianSmith950 This is false. If it weren't for PayPal, OSMF would still be able to have payments processed via their bank or bitcoin. Here's a link to the documentation showing this: https://wiki.openstreetmap.org/wiki/Donations @adam @batalanto @matzipan @BrianSmith950 there are things like credit cards that many many people prefer to use for such payments, and not supporting that would immediately eliminate a large number of potential donors. @batalanto @simon @adam @BrianSmith950 it has its advantages. I prefer paying by paypal instead of card because at least my card details can't be stolen. Happened to me before and it was very inconvenient. That I have to put up with privacy invasion because of this just shows that we don't have any strong European competitors to paypal 😓 @batalanto @mnalis @batalanto @adam @matzipan @BrianSmith950 while the initial version of the support.. page had a link to the payment options it was very easy to miss. @simon @BrianSmith950 @matzipan @adam @mnalis Indeed when I made that comment it was before the donations page evolved. The cryptocurrency option was not mentioned on either of the two donation pages at that moment. It was added later. @matzipan I used Paypal before they locked my account & kept the money -- before I became broadly aware of Paypal’s wrongdoing. w.r.t checks, what do you do in Europe if you want to pay someone who does not have a bank account? A check covers that situation. Cash is better, but because of the #warOnCash Belgium, France, & Spain have outlawed cash transactions above a certain amount. @matzipan I agree checks are rare in Europe but there are a number of factors that drive people to be unbanked which makes checks more important. @matzipan @batalanto @BrianSmith950 @simon @adam that is a good point and I would see both paypal locking people out and banks not supporting web or non-googlefied smartphones as topics for another digital banking reform in the EU. @batalanto @BrianSmith950 @simon @adam I just don't. This problem does not for me for sums that cannot be managed by some cash. @batalanto @BrianSmith950 @simon @adam I think qualifying so many people (including myself) as pieces of shit is probably not nice thing to do and maybe you need to reconsider your approach. @batalanto @BrianSmith950 @simon @adam the transfer system in the UK is either BACS or FPS, the banks themselves pay for each transaction as a cost of business. I doubt there's any sale of personal details going on as we do have data protection laws. @sarahdalgulls @sarahdalgulls @batalanto that really sucks. I've never had a problem transferring internationally within europe, but there's always fees and shocking exchange rates; with the US banking system being very different to ours I imagine there's tonnes of ways for people to make a quick buck out of it |
@BrianSmith950
We can scrap the Paypal option. It’s shit.
The “by app” options are not really by software, but rather an underlying transfer mechanism. Americans login to their bank accounts to pay their bills, but that’s just a façade for how the money moves. The user often does not even know. Typically an outsourced #billpay service checks whether a payee such as a credit card is linked electronically, then the money moves electronically by ACH. If not, a check is printed and mailed & that’s entirely invisible to the payer. The free bill pay service covers the cost of the stamp. Of course there’s a bit of dodgyness there because how does the billpay service pay their bills if they’re free to you and your bank? They must be snooping & selling your data to data brokers. So sending a paper check yourself manually is the only counter to that.
The UK has the GDPR, so perhaps you have some protection against those shenanigans.
@simon @adam
@BrianSmith950
We can scrap the Paypal option. It’s shit.
The “by app” options are not really by software, but rather an underlying transfer mechanism. Americans login to their bank accounts to pay their bills, but that’s just a façade for how the money moves. The user often does not even know. Typically an outsourced #billpay service checks whether a payee such as a credit card is linked electronically, then the money moves electronically by ACH. If not, a check is printed and mailed & that’s entirely...