I fought the PayPal and I won
jessesingal.substack.com
I fought the PayPal and I won
1–10 of 349 posts
Re: I fought the PayPal and I won
#2I haven't been using PayPal since more than 5 years.
For quick transfers I can use Revolut. For buying something I can use card. For easy payment integration with Web apps there are countless tools.
So I am wondering what use cases PayPal still serves, use cases which aren't already better covered by better means. Why pay heavy commissions to PayPal?
Re: I fought the PayPal and I won
#3First off, congratulations!
Second, I wish there was more followup from "My account got limited/blocked, and I need help." HN posts of that nature—assuming they reach the front page—typically get resolution in enough time that the person with the issue posts a followup, but I don't think that's the norm.
Re: I fought the PayPal and I won
#4I haven't been using PayPal since more than 5 years. For quick transfers I can use Revolut. For buying something I can use card. For easy payment integration with Web apps there are countless tools. So I am wondering what use cases PayPal still serves, use cases which aren't already better covered by better means. Why pay heavy commissions to PayPal?
The value is that it's easy from the perspective of the user. You mentioned that you use Revolut for one thing, direct card payment for another, and other tools for web app integration.
PayPal offers all that in a neatly packaged solution. It's no surprise users would choose that instead of 3+ different services that serve different purposes
Re: I fought the PayPal and I won
#5I haven't been using PayPal since more than 5 years. For quick transfers I can use Revolut. For buying something I can use card. For easy payment integration with Web apps there are countless tools. So I am wondering what use cases PayPal still serves, use cases which aren't already better covered by better means. Why pay heavy commissions to PayPal?
Places not served by Revolut, small time sellers that don't have the capacity/infrastructure to process cards, etc.
Re: I fought the PayPal and I won
#6I haven't been using PayPal since more than 5 years. For quick transfers I can use Revolut. For buying something I can use card. For easy payment integration with Web apps there are countless tools. So I am wondering what use cases PayPal still serves, use cases which aren't already better covered by better means. Why pay heavy commissions to PayPal?
I only buy from merchants that offer PayPal (there are few I trust by card, like Amazon). And the reason is that whatever it happens, I can always get my money back with PayPal. It happened 3 times in last 5 years that seller took the money and never shipped anything. I got all them resolved very quickly.
Re: I fought the PayPal and I won
#7I haven't been using PayPal since more than 5 years. For quick transfers I can use Revolut. For buying something I can use card. For easy payment integration with Web apps there are countless tools. So I am wondering what use cases PayPal still serves, use cases which aren't already better covered by better means. Why pay heavy commissions to PayPal?
One of my credit cards had a 7% cash back promotion last quarter, if used through PayPal. I saved a couple of bucks.
Re: I fought the PayPal and I won
#8I haven't been using PayPal since more than 5 years. For quick transfers I can use Revolut. For buying something I can use card. For easy payment integration with Web apps there are countless tools. So I am wondering what use cases PayPal still serves, use cases which aren't already better covered by better means. Why pay heavy commissions to PayPal?
I only buy from merchants that offer PayPal (there are few I trust by card, like Amazon). And the reason is that whatever it happens, I can always get my money back with PayPal. It happened 3 times in last 5 years that seller took the money and never shipped anything. I got all them resolved very quickly.
Well, we can use credit card charge back for such purpose?
Re: I fought the PayPal and I won
#9> For consumers, I suspect that much of the power “arbitration” seems to confer on corporations lies in its opacity
This one hundred times. There has been a surprisingly-effective PR scare campaign around arbitration in the U.S. Sure, for sexual harassment, it’s a bad forum. That’s approaching criminal territory. But for civil disputes, it’s straightforward and cheap.
Re: I fought the PayPal and I won
#10I haven't been using PayPal since more than 5 years. For quick transfers I can use Revolut. For buying something I can use card. For easy payment integration with Web apps there are countless tools. So I am wondering what use cases PayPal still serves, use cases which aren't already better covered by better means. Why pay heavy commissions to PayPal?
Buying things in a foreign country, or where a seller hasn't integrated the card type you want to use (particularly a problem for small/local websites). Sending money to a friend internationally. Avoiding having to give someone your bank details or credit card number.