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

seafile.de

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

#81

Post by raverbashing »

ladybro wrote: post #25
raverbashing wrote: post #24

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.

You want to pay someone they give you their IBAN and BIK numbers, and you can send them money using this (transfers are usually free or very cheap)

No need for handwritten pieces of paper

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

#82

Post by foxylad »

ladybro wrote: post #25
raverbashing wrote: post #24

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.

We switched from PayPal because the service was so bad, with 1 in 4 card payments from a very reputable sector (schools) refused for no discernible reason. Mu inner cynic strongly suspects it was purely to drive more people to use a PayPal account.

We tried two other card providers before we found Stripe, and my inner cynic has been silenced. I strongly recommend them.

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

#83

Post by nl »

MichaelBurge wrote: post #44
nl wrote: post #37

Earlier quoted context omitted.

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.

I've run into this issue in the past, but I also can't blame them. Has everyone forgotten the early 2000s when porn sites would use 0-days to embed dialers in your computer to rack up huge dial-up charges? Or offer you 'trial' memberships and make it very very difficult to cancel? Visa and MasterCard eventually stepped in and made the banks do extra legwork for the porn sites. That had to leave a bad impression on th…

Oh, I agree entirely. I suspect the "File Sharing" sites may have the same issue. I wonder how many people charge-back the payment for "Download GoT S05E01.mp4 here"?

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

#84

Post by dagw »

beobab wrote: post #48
dagw wrote: post #35

Earlier quoted context omitted.

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.

Barclays: Anyone in their 30 country list (PingIt is the app)

According to the PingIt website you can only send money internationally if you know the recipients IBAN number and transfers takes up to two working days. So it sounds like it is just an app front end to bog standard old school international bank transfers.

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

#85

Post by cynicalkane »

ckastner wrote: post #80
cm2187 wrote: post #56

Earlier quoted context omitted.

Welcome to the world of financial regulations! You may have not realised but banks and any financial institutions have been deputised by the regulators to be the financial police. They need to ensure that none of their client use financial services to commit crimes or launder the proceeds of a crime, under the penalty of heavy (up to multi billions) fines. Particularly in the US. I am pretty sure this is what is forc…

> Welcome to the world of financial regulations! > You may have not realised but banks and any financial institutions have been deputised by the regulators to be the financial police. They need to endure that none of their client use financial services to commit crimes or launder the proceeds of a crime, under the penalty of heavy (up to multi billions) fines. Particularly in the US. While I fully agree with this sta…

In the US, at least, AML regulations are whatever the regulators say they are.

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

#86

Post by Shivetya »

uncletammy wrote: post #23

I don't think they need regulation. I think they need to carry on like they are for a few more years so I can watch them be eaten alive by crypto currencies and other fintech innovations.

a digital currency system would be nirvana for politicians, you would wake up each morning and check to see how much your money is worth.

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

#87

Post by therealmarv »

cm2187 wrote: post #56
josteink wrote: 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…

Welcome to the world of financial regulations! You may have not realised but banks and any financial institutions have been deputised by the regulators to be the financial police. They need to ensure that none of their client use financial services to commit crimes or launder the proceeds of a crime, under the penalty of heavy (up to multi billions) fines. Particularly in the US. I am pretty sure this is what is forc…

yeah. USA. But this is Germany and EU and you violate either PayPal terms or the laws of the country.

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

#88

Post by lorenzhs »

mschuster91 wrote: post #33
ladybro wrote: 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.

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.

I still find the idea behind sofortüberweisung shady. Maybe they're actually the nicest people in the world with the best security practices known to humanity, but I still won't hand them the login credentials to my online banking or my card's PIN.

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

#89

Post by therealmarv »

rmc wrote: post #14
MichaelBurge wrote: post #11

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…

And if a EU company were to break the law and send personal data outside the EU, they'd be shut down in a heartbeat too.

yes this is illegal! They will be fined. No company in EU is allowed to send personal user data to USA without certain restrictions (e.g. Google Apps has a lot of extra legal documents and staff/etc. to keep sure you can use them also from the EU). From a legal point of view it is even forbidden to make business in EU with clients in e.g. WhatsApp (because their servers are outside of EU).

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

#90

Post by therealmarv »

chopin wrote: post #45
rmc wrote: post #14

Earlier quoted context omitted.

And if a EU company were to break the law and send personal data outside the EU, they'd be shut down in a heartbeat too.

Unfortunately not. Are there any examples for this? I din't see any.

You can put every company which sends your personal data outside EU to court (Safe Harbour rules were kicked in the butt some time ago). Some people are even trying that with Facebook (and may be successful with that).
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