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EBay to Ditch PayPal for Dutch Payment Processor Adyen

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Re: EBay to Ditch PayPal for Dutch Payment Processor Adyen

#161

Post by Shivetya »

buildbuildbuild wrote: post #40

Potentially a great move for eBay to reign in processing fees and to consolidate the dispute resolution process within their own platform. A large pain point for many eBay users has been Paypal's opaque dispute process. (I admit to bias: I lost ~$5,000 in Paypal balance while in college due to Paypal siding with a dishonest international buyer) For those of you contemplating Adyen vs. Stripe: Adyen is much more "bare…

as a buyer I never worry about purchases I make on ebay. I use paypal to send the money but other than that paypal is not in the picture. if I have a dispute with a seller ebay refunds me if I prove my case.

I was just recently refunded over five hundred dollars for a purchase made on ebay because the seller never had the item to sell. Now I had to wait until the last day of delivery passed and wait the "resolve with seller first" delay which is only three days I think. In the end ebay refunded me.

This is not to say ebay is perfect, they don't require sellers to provide tracking through ebay and they should. they should require it within three business days or allow a refund. In my case the fraudulent seller never provided tracking information even though I made three requests

Re: EBay to Ditch PayPal for Dutch Payment Processor Adyen

#162

Post by rawfan »

cyberferret wrote: post #14

I've never heard of Adyen here in Australia before this. I assume they are far more Europe/US oriented? I assume they will be rolling out the new integration world wide, so that it will become more ubiquitous? I believe Paypal has a local office in Aus, so I presume Adyen will be setting up local offices in most countries? (I also noticed on the video that it is pronounced "Adi-an" where I first thought "Ad-yen" whic…

I only live a couple of km away from Ayden and this is the first time I've heard of this company.

Re: EBay to Ditch PayPal for Dutch Payment Processor Adyen

#164

Post by MaxBarraclough »

bionoid wrote: post #160
MaxBarraclough wrote: post #144

Earlier quoted context omitted.

> I wish there was a fundamentally different way of handling payments Seconded. At the risk of simply rephrasing everything you just said: It's a pity the banks and credit card companies just refuse to innovate. When I buy something from an online vendor, they should never get my full card details. PayPal ameliorates things (you can generally trust PayPal), but really there should be no need for PayPal. The banks/cre…

> (you can generally trust PayPal) I agree, but I also have a counterexample: "Oh, you bought SOFTWARE?? All those pretty marketing pages about our amazing safety and protection system do not apply to virtual products. We agree this vendor totally screwed you over, but it's not our problem." (this was a few years ago, may have changed) edit: It eroded my trust in the company completely. I don't really have an opinion…

PayPal have certainly had a few screw-ups. My personal favourite: when they locked $750,000 of MineCraft sales money. http://www.escapistmagazine.com/news/view/103385-PayPal-Free...

At a glance it seems software products are now covered - https://www.paypal.com/il/webapps/mpp/ua/useragreement-full?...

Re: EBay to Ditch PayPal for Dutch Payment Processor Adyen

#165

Post by rawfan »

NicoJuicy wrote: post #29
bowersbros wrote: post #23

Earlier quoted context omitted.

Note that EU customers of Stripe get a drastically nicer 1.4% + 20p charge.

It's not about a better deal from Stripe, it's Europeans have to pay less in general.

Yeah sure. Remind me when I buy my next iPhone for a ~45% markup compared to the US prices. The 64GB 4.7" iPhone 8 is $699.00 in the US and $998 (799 EUR) in Germany.

Re: EBay to Ditch PayPal for Dutch Payment Processor Adyen

#166

Post by rhysw »

cyberferret wrote: post #14

I've never heard of Adyen here in Australia before this. I assume they are far more Europe/US oriented? I assume they will be rolling out the new integration world wide, so that it will become more ubiquitous? I believe Paypal has a local office in Aus, so I presume Adyen will be setting up local offices in most countries? (I also noticed on the video that it is pronounced "Adi-an" where I first thought "Ad-yen" whic…

(I work at Adyen) - Adyen has an office and acquiring license in Australia, offers EFTPOS, and works with Kogan, Showpo, Freelancer.com, and others.

Re: EBay to Ditch PayPal for Dutch Payment Processor Adyen

#167

Post by gregknicholson »

MaxBarraclough wrote: post #144
reacharavindh wrote: post #116

Earlier quoted context omitted.

This. I wish there was a fundamentally different way of handling payments. Something like a one time hash you give the vendor that serves like a digital check(cheque). This way, if they lose the hash they lost their money instead of the customer's. Handing a merchant credit card details "feels" like handing them a blank Check and trusting them to not take more than they should because of the risk of them losing the d…

> I wish there was a fundamentally different way of handling payments Seconded. At the risk of simply rephrasing everything you just said: It's a pity the banks and credit card companies just refuse to innovate. When I buy something from an online vendor, they should never get my full card details. PayPal ameliorates things (you can generally trust PayPal), but really there should be no need for PayPal. The banks/cre…

Card-readers are “trust your bank with information security” black boxes.

If their online banking password policies are anything to go by — Halifax and especially Nationwide — then very definitely no thankyou.

Nationwide asks you to set three pieces of memorable information. You can then log in with any 1 of those 3, at your option. https://onlinebanking.nationwide.co.uk/AccessManagement/Logi...

This seems obviously stupid to me, but I'll accept that Nationwide knows better than me if HN says so.

Re: EBay to Ditch PayPal for Dutch Payment Processor Adyen

#168

Post by pc86 »

lachyg wrote: post #43
buildbuildbuild wrote: post #40

Potentially a great move for eBay to reign in processing fees and to consolidate the dispute resolution process within their own platform. A large pain point for many eBay users has been Paypal's opaque dispute process. (I admit to bias: I lost ~$5,000 in Paypal balance while in college due to Paypal siding with a dishonest international buyer) For those of you contemplating Adyen vs. Stripe: Adyen is much more "bare…

(I work at Stripe.) Glad to hear on the developer friendliness! If there are ways we can continue to improve on that front, please shoot me a note: lachy@stripe.com I'm curious though what you mean when you say Adyen is much more "bare metal" than Stripe. We don't typically talk too much publicly about our underlying infrastructure (our goal is to abstract away that [hopefully] unnecessary complexity), but we do stri…

I say this as a loyal and very happy Stripe user: I'm not sure you can describe a bunch of JavaScript widgets as bare metal.

Re: EBay to Ditch PayPal for Dutch Payment Processor Adyen

#169

Post by donatj »

rawfan wrote: post #159
donatj wrote: post #88

Earlier quoted context omitted.

This. Entirely. I used to work for a small ecommerce webdev shop. I’ve worked on sooo many shitty insecure shopping carts over the years I simply know not to trust basically any small website asking for my card. Completely unencrypted, storing CVVs, sending CC details as GET parameters, I’ve seen it all. It’s painfully common! If a company is not a huge name, and is handling your credit card info themselves, they are…

But these problems don't exist if you use a service like Stripe. You never ever store any confidential customer information on your own servers.

Stripe was just getting big as I left for a job in edtech so I never had a chance to work with it. Excuse my ignorance but does it require you to send your card info to the vendors server rather than directly to stripe? If that’s the case you are still wide open to basically every form of bad handling.

Just because a vendor doesn’t NEED to store your CC doesn’t mean they’re not out of sheer ignorance or incompetence.

Re: EBay to Ditch PayPal for Dutch Payment Processor Adyen

#170

Post by geerlingguy »

pc86 wrote: post #168
lachyg wrote: post #43

Earlier quoted context omitted.

(I work at Stripe.) Glad to hear on the developer friendliness! If there are ways we can continue to improve on that front, please shoot me a note: lachy@stripe.com I'm curious though what you mean when you say Adyen is much more "bare metal" than Stripe. We don't typically talk too much publicly about our underlying infrastructure (our goal is to abstract away that [hopefully] unnecessary complexity), but we do stri…

I say this as a loyal and very happy Stripe user: I'm not sure you can describe a bunch of JavaScript widgets as bare metal.

You don’t have to use all the JS widgets; you can integrate with forms more directly if you want.
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