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“PayPal has demanded that we monitor data traffic as well as customers’ files”

seafile.de

31–40 of 348 posts

Re: “PayPal has demanded that we monitor data traffic as well as customers’ files”

#31

Paypal only exists because the current infrastructure of payments in the US is a joke Nobody needs paypal in Europe. Of course, they try to sell themselves as "the easiest way" (which is right to a point) but it's mostly unneeded

As bank transfer takes a lot of time to "process", money exchanging in Europe is really annoying. Paypal made and makes it fast. I don't like them, but I don't know anything better sadly.

Re: “PayPal has demanded that we monitor data traffic as well as customers’ files”

#32
post #7

I have quite some personal experience with PayPal, and their policies seem quite random. If one person gets it into his or her head that something is not allowed, no voice of reason will change the decision. I wouldn't shed too much tears over it though, there are many better and cheaper alternative forms of payment.

I'd appreciate if somebody lists some alternatives (better or otherwise). I've plans to launch a paid online service and would like to study all payment options.

Re: “PayPal has demanded that we monitor data traffic as well as customers’ files”

#33
post #25

Paypal only exists because the current infrastructure of payments in the US is a joke Nobody needs paypal in Europe. Of course, they try to sell themselves as "the easiest way" (which is right to a point) but it's mostly unneeded

What are the alternatives in Europe that make Paypal not needed? Genuinely curious, not saying you're wrong by any means.

Germany: SEPA direct debit, sofortueberweisung.de, giropay, and if you're willing to put up with PCI compliance bullshit, credit cards. All three are vastly cheaper than PP, too.

Re: “PayPal has demanded that we monitor data traffic as well as customers’ files”

#34
post #30
post #25

Earlier quoted context omitted.

What are the alternatives in Europe that make Paypal not needed? Genuinely curious, not saying you're wrong by any means.

Barclays and Natwest in the UK will allow you to send money to anyone with an email address. Can't speak for other banks, though. But all banks will transfer money if you have a recipient account number and sort code.

See, the point is that you're saying 'in the UK'. We've been struggling to find a payment solution that works globally and sadly PayPal is the best we have found that covers a lot of countries.

Re: “PayPal has demanded that we monitor data traffic as well as customers’ files”

#35
post #30
post #25

Earlier quoted context omitted.

What are the alternatives in Europe that make Paypal not needed? Genuinely curious, not saying you're wrong by any means.

Barclays and Natwest in the UK will allow you to send money to anyone with an email address. Can't speak for other banks, though. But all banks will transfer money if you have a recipient account number and sort code.

Barclays and Natwest in the UK will allow you to send money to anyone with an email address.

Anyone? Anyone in the UK? Or anyone in the UK with a Barclays or Natwest account? Paypal is still probably the quickest and easiest way to send money to 'anyone' in the world.

Re: “PayPal has demanded that we monitor data traffic as well as customers’ files”

#36
post #7

I have quite some personal experience with PayPal, and their policies seem quite random. If one person gets it into his or her head that something is not allowed, no voice of reason will change the decision. I wouldn't shed too much tears over it though, there are many better and cheaper alternative forms of payment.

Can you give some examples? I know in America there are lots of startups doing it, but what about the rest of the world? I looked into Skrill a few years ago which seems to be just as international as Paypal, but also with just as horrible terms and conditions.

Re: “PayPal has demanded that we monitor data traffic as well as customers’ files”

#37
post #3

> PayPal has demanded that we monitor data traffic as well as all our customers’ files for illegal content. They have also asked us to provide them with detailed statistics about the files types of our customers sync and share on https://app.seafile.de That's a pretty big WTF right there. I know PayPal has a on overall pretty scummy reputation, but I still I cannot imagine PayPal doing this because they themselves th…

I think that there have been issues like this for porn sites in the past, because they have significant chargeback rates - to the point where man payment processes won't deal with them.

Re: “PayPal has demanded that we monitor data traffic as well as customers’ files”

#38
post #15

File sharing services are listed as requiring pre-approval, so Seafile should've sent them an email before accepting it as payment: https://www.paypal.com/us/webapps/mpp/ua/acceptableuse-full They're well within their rights to decline your business. If a bank told the government, "We have no absolutely no idea what our customers are doing with their money or who they're sending it to. Maybe they're sending it to ter…

That argument makes no sense.. Presumably Seafile has other payment options that are not asking for the same level of access. I can't remember the last time people mentioned terrorists (or other criminals') bank accounts in the news other than HSBC who intentionally laundered drug money.

Different companies have different risk profiles. A bank that operates entirely in one or two countries has a very different perspective than Paypal who operates in 200+ countries.

Just to give one example: If you sold a comic that was offensive to Muslims in the US, it might get on the news but would ultimately be permitted. If Paypal allowed it, they could get blocked from countries that are predominantly Muslim.

My bank offers international ACH, but only to Canada, Mexico, and Europe. I believe there is strength to limiting yourself to these. Paypal have chosen to operate as widely as possible, which can be a weakness in what they can allow

From what I've seen, it's generally far more expensive to do international banking in most countries. My bank will do it for places like the Phillipines, but only as an expensive wire transfer. I think if it were easy to offer low-cost banking, they would offer it.

Re: “PayPal has demanded that we monitor data traffic as well as customers’ files”

#39
post #30
post #25

Earlier quoted context omitted.

What are the alternatives in Europe that make Paypal not needed? Genuinely curious, not saying you're wrong by any means.

Barclays and Natwest in the UK will allow you to send money to anyone with an email address. Can't speak for other banks, though. But all banks will transfer money if you have a recipient account number and sort code.

And it's quick. I can send money between two different UK bank accounts, using sort code and account number, and it appears in the recipient's account within about half an hour.

In Europe (Germany and Austria from my experience), many online services specifically support bank transfers using an IBAN number. It does seem to take a little longer though for the money to process.

Re: “PayPal has demanded that we monitor data traffic as well as customers’ files”

#40
post #25

Paypal only exists because the current infrastructure of payments in the US is a joke Nobody needs paypal in Europe. Of course, they try to sell themselves as "the easiest way" (which is right to a point) but it's mostly unneeded

What are the alternatives in Europe that make Paypal not needed? Genuinely curious, not saying you're wrong by any means.

Just normal bank transfer. As long as you have the target bank account number, which is standardized across Europe now, you can pay anyone. Takes a few days though. There is a European rule that a cross-border transfer may not cost more than a national one, which means that in most countries, only business accounts pay (low) fees.
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