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GitHub Sponsors will stop supporting PayPal

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Re: GitHub Sponsors will stop supporting PayPal

#151

Post by bburnett44 »

fshbbdssbbgdd wrote: post #100
bsuvc wrote: post #88

We hear a lot from people who have had a bad experience using PayPal. But is there anyone who has had a good experience, either as a merchant, or as a customer?

Sure, I buy things through PayPal a lot. It’s purely out of convenience. It saves me the steps of entering in my address and credit card info when buying something online. If the checkout page offers Apple Pay or Stripe, I’ll use those instead, because they’re even easier. I’ve never had any problems with any of these payment services. I also like that both PayPal and Apple provide a centralized UI where I can revoke…

Apple doesn’t charge merchants anything for using Apple Pay, they charge the banks for being able to have their cards in Apple wallet. Merchants still get charged by the banks but Apple doesn’t take anything from them.

The 30% fees is on App Store purchases

Re: GitHub Sponsors will stop supporting PayPal

#152

Post by lmm »

bsuvc wrote: post #88

We hear a lot from people who have had a bad experience using PayPal. But is there anyone who has had a good experience, either as a merchant, or as a customer?

As a customer they're great, especially as someone who moved internationally and so needed to use a "foreign" credit card to pay for things for a while. Being able to pay everywhere with a consistent UI and have my payment history (and manage which card I'm using) in one place is really nice.

Re: GitHub Sponsors will stop supporting PayPal

#153

Post by heavyset_go »

bsuvc wrote: post #88

We hear a lot from people who have had a bad experience using PayPal. But is there anyone who has had a good experience, either as a merchant, or as a customer?

They were quick to refund my money after receiving seriously damaged goods.

That said, I would never trust them as a business owner. They are too happy to freeze funds and then never release them.

Re: GitHub Sponsors will stop supporting PayPal

#154

Post by SCLeo »

bsuvc wrote: post #88

We hear a lot from people who have had a bad experience using PayPal. But is there anyone who has had a good experience, either as a merchant, or as a customer?

I also use PayPal a lot. It is more convenient since I don't have to find my credit card to enter the digits manually. It is also easier to change payment methods with PayPal.

Re: GitHub Sponsors will stop supporting PayPal

#155

Post by Keyframe »

illiac786 wrote: post #123
andai wrote: post #79

Earlier quoted context omitted.

If you're in Europe, I can recommend N26. They have a bank card that functions as a "credit card". Only you need to have a balance on it or the transactions won't go through, because the account is charged instantly.

do not ever use N26 for anything else than a credit card though, don't have your main account with them, they lock accounts without giving a (concrete) reason and are then unreachable.

There's also Revolut which has been great so far.

Re: GitHub Sponsors will stop supporting PayPal

#156

Post by fshbbdssbbgdd »

bburnett44 wrote: post #151
fshbbdssbbgdd wrote: post #100

Earlier quoted context omitted.

Sure, I buy things through PayPal a lot. It’s purely out of convenience. It saves me the steps of entering in my address and credit card info when buying something online. If the checkout page offers Apple Pay or Stripe, I’ll use those instead, because they’re even easier. I’ve never had any problems with any of these payment services. I also like that both PayPal and Apple provide a centralized UI where I can revoke…

Apple doesn’t charge merchants anything for using Apple Pay, they charge the banks for being able to have their cards in Apple wallet. Merchants still get charged by the banks but Apple doesn’t take anything from them. The 30% fees is on App Store purchases

Is there any way to subscribe to a service using Apple Pay without it counting as App Store and incurring the 30%? There’s a lot of news stories about Spotify, Netflix, etc fighting with Apple over this.

Re: GitHub Sponsors will stop supporting PayPal

#157

Post by arp242 »

derkades wrote: post #128
fshbbdssbbgdd wrote: post #100

Earlier quoted context omitted.

Sure, I buy things through PayPal a lot. It’s purely out of convenience. It saves me the steps of entering in my address and credit card info when buying something online. If the checkout page offers Apple Pay or Stripe, I’ll use those instead, because they’re even easier. I’ve never had any problems with any of these payment services. I also like that both PayPal and Apple provide a centralized UI where I can revoke…

PayPal still charges about a 3-4% + 50 cent fee. Not as large as the exorbitant 30%, but still a lot compared to the tens of cents it costs for IBAN payments in the EU

Credit cards charge something similar, I think?

Unfortunately not everyone accepts IBAN, and I don't have a credit/debit card at the moment (they're not common here), so PayPal provides an okay solution for now. I pay my Linode VPS with it for example, because that's essentially the only option I have at the moment.

Re: GitHub Sponsors will stop supporting PayPal

#158

Post by kevingadd »

maltalex wrote: post #89

Looking at all the PayPal hate in this thread, I have to ask - what do you guys use instead of PayPal? My main use case for PayPal is to avoid giving my credit card directly to merchants I don't fully trust. I considered switching to using virtual credit cards instead. But being outside the US, the options (at least those I'm aware of) are quite limited and inconvenient.

If you don't trust a merchant your credit card company should have your back, there are chargeback processes you can go through in the event you get defrauded. Just make sure you never use a debit card online.

With PayPal you risk PP defrauding you or otherwise screwing with you, I've personally had them overdraft my linked bank account for no reason. My bank was pissed at them and only reversed the charges after I promised to never give ACH details to PP again.

Re: GitHub Sponsors will stop supporting PayPal

#159

Post by nvella »

TT-392 wrote: post #56

Guess I won't be able to sponsor anyone anymore. I guess as a US based company they are expecting everyone to just have a credit card.

Not sure how different things are in other parts of the world, but here in Australia all of our debit cards are on the regular Visa/Mastercard networks; you can use them wherever you can use a credit card online. It's just the transaction is likely to decline if you don't have a balance in your account.

Re: GitHub Sponsors will stop supporting PayPal

#160

Post by jeromegv »

derkades wrote: post #128
fshbbdssbbgdd wrote: post #100

Earlier quoted context omitted.

Sure, I buy things through PayPal a lot. It’s purely out of convenience. It saves me the steps of entering in my address and credit card info when buying something online. If the checkout page offers Apple Pay or Stripe, I’ll use those instead, because they’re even easier. I’ve never had any problems with any of these payment services. I also like that both PayPal and Apple provide a centralized UI where I can revoke…

PayPal still charges about a 3-4% + 50 cent fee. Not as large as the exorbitant 30%, but still a lot compared to the tens of cents it costs for IBAN payments in the EU

Sure but PayPal in North America is not competing against EU. It is competing with Square, Stripe, etc, and those fees are quite close to those other companies.
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