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

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

#131

Post by WA »

benevol wrote: post #117
nakodari wrote: post #101

Another victim of Paypal here. I run Jumpshare, a file sharing and collaboration service for creative professionals. This is what Paypal sent us: "May 8, 2016: When you signed up for your PayPal account, you agreed to our User Agreement and Acceptable Use Policy. Because some of your recent transactions violated this policy, we've had to permanently limit your account. Please remove any references to PayPal from your…

Having read during the last few years about the endless horror stories businesses have endured with PayPal, I honestly don't understand why anyone would still use PayPal when there clearly are alternatives (be that US companies like Stripe or EU companies like Paymill).

Because they're still anecdotal and for most people, PayPal works just fine. I find the stories horrifying, but I ran about 40,000 transactions through PayPal in the last 5-6 years and never had any problems.

I guess this is how it is for most people, at least, I can use PayPal as a buyer on most online businesses I deal with.

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

#132

Post by thirdsun »

foxylad wrote: post #82
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.

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.

Sure, Stripe is great - but we couldn't rely on credit cards alone, at least not here in Germany. The value of Paypal is the fact that it connects to your bank account and enables instant payments for people without credit cards, which aren't that common here in Germany.

That's why we offer Stripe and Paypal in our store. Dropping Paypal would be insane as it is our most popular payment method, with Stripe coming in as a close second.

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

#133

Post by thirdsun »

snvzz wrote: post #65
gpvos wrote: post #40

Earlier quoted context omitted.

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.

> Takes a few days though Typically 24h in the SEPA.

Still too long - I never use it for online shopping.

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

#134

Post by mrweasel »

thirdsun wrote: post #130
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

As a german that's not my experience at all. Credit cards aren't that common here and SEPA transfers are slow as hell and always a minor hassle, that I tend to avoid as long as I can. Without Paypal a lot of european customers wouldn't be able to buy from international vendors.

As someone who sell stuff to Germans, could you please get a credit card? The only reason why we need to deal with PayPal is our German customer, 50% or more of our transactions in Germany is PayPal.

It's a shitty company, with a shitty product.

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

#135

Post by syshum »

daix wrote: post #61
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.

I think the problem is that PayPal almost have a monopoly on e-commercial market, and because of the stickiness of users, it's hard to break the monopoly.

I do not believe they have a monoply any more. a few years ago they where much more prolifict, I paid for ALOT of things via paypal. in the last 5 years I have made 0 transactions on paypal.

With Amazon, Stripe, and others merchant solutions, as well as Apple and Google geting into the game soon for webpayments in addition to app paymets I do not believe the reliance on paypal as a quick way to process credit cards for business is as high as it was, further the reluctance for consumers to enter their credit card data never really materialized.

Currently I think a business that only has PayPal as a payment option is harming their business, while you might keep it around for those few users that still only want to use paypal if I see an option to use anything other than paypal I will take it.

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

#136

Post by mrweasel »

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.

PCI compliance isn't that big a deal, unless you insist on handling the the transaction yourself, which almost no one does.

Going via a payment provider, like Strip, PayPal, PayEx and a boat load of other companies, reduces your PCI compliance to a self assessment form, which talk all of 10 minutes to fill out.

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

#137

Post by creshal »

Hondor wrote: post #36
joopxiv wrote: 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.

Amazon Payments? It's as international as it can get, but I can't say anything about their terms, I've only used it from customer side (which is excellent).

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

#138

Post by vatotemking »

benevol wrote: post #117
nakodari wrote: post #101

Another victim of Paypal here. I run Jumpshare, a file sharing and collaboration service for creative professionals. This is what Paypal sent us: "May 8, 2016: When you signed up for your PayPal account, you agreed to our User Agreement and Acceptable Use Policy. Because some of your recent transactions violated this policy, we've had to permanently limit your account. Please remove any references to PayPal from your…

Having read during the last few years about the endless horror stories businesses have endured with PayPal, I honestly don't understand why anyone would still use PayPal when there clearly are alternatives (be that US companies like Stripe or EU companies like Paymill).

For me part of the reason is that Paypal is available in more countries than Stripe. For example, here I can withdraw money from PayPal to my local bank account. I dont think its possible with Stripe.

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

#139

Post by mtgx »

RachelF wrote: post #5
howfun wrote: post #4

Apparently the other filesharing companies spy on user data,that is why they are on Paypal.

I wonder. It is a bit worrying that DropBox accepts PayPal.

Now you're worried about it? You should've started doing that when they accepted Condoleezza Rice on their board.

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

#140

Post by duhast »

DrJokepu wrote: post #54
rmc wrote: post #16

Earlier quoted context omitted.

Dropbox is a US based company, is not bound by EU data protection law, the Charter of Fundamental Rights of the EU (basically the EU's Bill of Rights), and additionally the US Constitutional ban on warrentless searches does not apply to EU citizens in EU.

EU Dropbox customers are the customers of Dropbox Ireland Limited (a company registered in Ireland), not Dropbox, Inc., a company registered in Delaware, so actually all of the EU regulations apply to their EU customers. Source: I'm a paying Dropbox customer living in the UK and my invoices are issued by Dropbox Ireland Limited.

But where is your data stored?
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