Gregory's Server@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
@batalanto @simon @adam
Not being familiar with US banking,
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.
A lot of people also have a credit card, may be issued by your bank, or you can sign up with another supplier.