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They have not been trained for this

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Re: They have not been trained for this

#121

Post by jdiez17 »

rcbdev wrote: post #116
boneitis wrote: post #62

Earlier quoted context omitted.

I don't suppose they have any other published, easier methods? I spent almost an hour trying to jump through the fiery, spinning hoops being dangled by my bank website only to finally at the end be given an "It looks like this part of our site isn't working. Please try again later." Thank you, bank /s For anyone else wanting to try their hand and weather the gauntlet, I found slightly more detail of their published b…

This is a registered European association using fee-less European payment standards to fund a lawsuit entirely in Europe involving only European parties. Do you see the rest of the world complaining when no-one can send free uncomplicated transfers to fund a U.S. non-profit because the U.S.A. prefers to run a draconian consumer banking system? The shier American arrogance in this comment thread gives me an aneurism.…

> This is a registered European association using fee-less European payment standards to fund a lawsuit entirely in Europe involving only European parties

Okay, but surely you can appreciate that making it easier for Europeans and non-Europeans to contribute to this cause would achieve the goal of the donation campaign more efficiently?

My personal opinion is that it would be very much worth it to accept payments via PayPal, Stripe, or other global electronic payment methods[^1]. And show how much money has been received to date.

I would rant about being content with “it works for us, people will donate if they really want to” but I’ve already done that too many times this year.

^1: yes there are some fees associated with this. But it’s also more convenient and probably more people would donate. But for some people the convenience argument does not compute.

Re: They have not been trained for this

#122

Post by masklinn »

immibis wrote: post #119
boneitis wrote: post #112

Earlier quoted context omitted.

> You think it's easier to require setting up a third party account, adding your card to it, getting the card authorised, and doing the payment that way, with fees. > Than putting 20 digits in your own bank's application and pressing "send"? Posting from U.S. (and admittedly a very U.S.-centric response), but in the case of Venmo/Paypal/buymeacoffee/Patreon/gofundme, yes. I spent another half-hour trying to go the ro…

You're trying to send money internationally. It sounds like your bank doesn't want you to send money internationally. This is your problem with your bank. I don't see why you'd need Wise for a one-off payment. Just go to the international transfer page at your bank and enter the details? Do they not have one?

As they indicated at the top, it looks like their bank's international transfer feature (to the extent that it exists) is broken: https://news.ycombinator.com/item?id=42527151

I believe this is par for the course for US banking and why so many alternate payment systems exist. And in all fairness, it does very much remind me of european banking 15-20 years ago, before the spread of smartphones and banks getting on with the program and making SEPA a (and later EPC) a baseline feature, undoubtedly prodded on by member states.

And I can understand having to translate from SEPA to SWIFT and then needing to deal with that to be less than ideal. When I had to send money to a friend outside the EU I had to go through the bank's website (not available at all from the mobile application) and to register & wait for validation of their account as beneficiary (24h delay IIRC).

At the same bank, SEPA transfers is a button on the home screen of the mobile application, and doesn't require any setup, just input the IBAN or scan the EPC and go (and god would I like more businesses to accept SEPA / use EPC instead of requiring inputting my credit card every time or going through third party payment providers)

Re: They have not been trained for this

#123

Post by jdiez17 »

boneitis wrote: post #118
rcbdev wrote: post #116

Earlier quoted context omitted.

This is a registered European association using fee-less European payment standards to fund a lawsuit entirely in Europe involving only European parties. Do you see the rest of the world complaining when no-one can send free uncomplicated transfers to fund a U.S. non-profit because the U.S.A. prefers to run a draconian consumer banking system? The shier American arrogance in this comment thread gives me an aneurism.…

i am doing little more than lamenting the hurdles placed in front of me that i couldn't figure out how to overcome (albeit with a dash of frustrated snark), after having spent north of three hours of my time today. i am not rich, nor well off by many reasonable measures. i rent a small room in a small town, hardly making ends meet, but i simply wanted to donate a couple bucks toward a cause i believe in, out of princ…

Hey, thank you for trying to donate and sorry it was more difficult than it should be. I think even writing about the effort that you put into it helps. <3

Re: They have not been trained for this

#124

Post by Kwpolska »

rcbdev wrote: post #116
boneitis wrote: post #62

Earlier quoted context omitted.

I don't suppose they have any other published, easier methods? I spent almost an hour trying to jump through the fiery, spinning hoops being dangled by my bank website only to finally at the end be given an "It looks like this part of our site isn't working. Please try again later." Thank you, bank /s For anyone else wanting to try their hand and weather the gauntlet, I found slightly more detail of their published b…

This is a registered European association using fee-less European payment standards to fund a lawsuit entirely in Europe involving only European parties. Do you see the rest of the world complaining when no-one can send free uncomplicated transfers to fund a U.S. non-profit because the U.S.A. prefers to run a draconian consumer banking system? The shier American arrogance in this comment thread gives me an aneurism.…

This German association funds a lawsuit entirely in Poland involving only Polish parties. And sadly, we don’t use the Euro, but rather have our own trash currency, so at least a currency conversion will be involved.

Re: They have not been trained for this

#126

Post by Kwpolska »

immibis wrote: post #93
MichaelBosworth wrote: post #88

Earlier quoted context omitted.

“Extremely” is a bit extreme for something that takes 100,000 times longer than a Venmo payment. Or, intercontinentally, a stablecoin transfer

It literally doesn't. And why would Europeans use venmo? That type of app arose in the USA specifically, to work around not having a convenient way to send money from one bank account to another - much like bulletproof school backpacks, it solves a uniquely American problem.

The most popular way to transfer money between friends in Poland is a BLIK-to-phone-number transfer. Those transfers are done from the banking app. I don’t need to know someone’s account number, I just need their phone number. BLIK transfers are instant, unlike regular bank transfers, which may take up to 1 business day (specifically, they are done via batch processing 3 times in a business day), and they are always free, unlike instant bank transfers (though that depends on your bank/account type).

Re: They have not been trained for this

#127

Post by hyperman1 »

boneitis wrote: post #62
jdiez17 wrote: post #32

Earlier quoted context omitted.

The payment information is a bit obfuscated, being only a parenthesized sequence of letters and numbers in the OP. IBAN: DE41 2001 0020 0599 0902 01 BIC: PBNKDEFFXXX Purpose: Lokomotive Payee: CCC eV

I don't suppose they have any other published, easier methods? I spent almost an hour trying to jump through the fiery, spinning hoops being dangled by my bank website only to finally at the end be given an "It looks like this part of our site isn't working. Please try again later." Thank you, bank /s For anyone else wanting to try their hand and weather the gauntlet, I found slightly more detail of their published b…

I'd love all participants in this thread to provide their countries.

As a Belgian (EU), I love how I can pay them just by sending them money, without all these weird intermediate companies stealing your personal details and sometimes even your money.

To answer some contras:

In my experience, the process takes about 10 seconds before the payment confirmation appears in the destination bank. Outside business hours and for some bank combinations, the actual money might be in a reservation/underway/unspendable state until the next business day starts. You can not cancel the transfer once it's gone, so most businesses don't care about that delay.

Typing the IBAN is a tiny bit annoying. I see QR codes appearing, containing bic+iban+amount+message to autofill. You pay by scanning the QR code and pressing OK.

AFAIK bic+iban+amount+message is all you need to pay from anywhere in the world. The BIC can be derived from the IBAN if you have the right and up to date database, but outside the EU it is smart to know it, just to be sure.

Sometimes, reading HN, I wonder if I should write a loooong blog post about how Belgium does its money transfers(iban) and buys bread (Bancontact). I suspect most of the EU will answer: duh, boring! Meanwhile, the average USAian brain goes poof.

Re: They have not been trained for this

#128

Post by seba_dos1 »

boneitis wrote: post #62
jdiez17 wrote: post #32

Earlier quoted context omitted.

The payment information is a bit obfuscated, being only a parenthesized sequence of letters and numbers in the OP. IBAN: DE41 2001 0020 0599 0902 01 BIC: PBNKDEFFXXX Purpose: Lokomotive Payee: CCC eV

I don't suppose they have any other published, easier methods? I spent almost an hour trying to jump through the fiery, spinning hoops being dangled by my bank website only to finally at the end be given an "It looks like this part of our site isn't working. Please try again later." Thank you, bank /s For anyone else wanting to try their hand and weather the gauntlet, I found slightly more detail of their published b…

SEPA transfers are generally as easy as it gets - a free direct transfer straight from your bank, avoiding unnecessary intermediaries. You paste the number, confirm and it's done. Sounds like you need to complain to your particular bank for its subpar service.

Re: They have not been trained for this

#129

Post by hazn »

misiek08 wrote: post #107
nicce wrote: post #70

Earlier quoted context omitted.

I am not familiar with Polish law about corruption or lobbying but if some politicians are getting money, that is a starting point.

They are. Both sides that are interchangeably leading the country. Nothing really changed since at least 50+ years. Same names, same stories. Both groups did some PR moves showing police, CBA and ABW being successful catching some poor guys fighting with the system.

I am an outisder to polish politics. Isn’t it the case that polish democracy is a good success story the last decade(s)?

Genuine question.

Re: They have not been trained for this

#130

Post by seba_dos1 »

Kwpolska wrote: post #126
immibis wrote: post #93

Earlier quoted context omitted.

It literally doesn't. And why would Europeans use venmo? That type of app arose in the USA specifically, to work around not having a convenient way to send money from one bank account to another - much like bulletproof school backpacks, it solves a uniquely American problem.

The most popular way to transfer money between friends in Poland is a BLIK-to-phone-number transfer. Those transfers are done from the banking app. I don’t need to know someone’s account number, I just need their phone number. BLIK transfers are instant, unlike regular bank transfers, which may take up to 1 business day (specifically, they are done via batch processing 3 times in a business day), and they are always…

BLIK payments are just an interface on top of regular bank payments.
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