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Stripe and Advent have made a joint offer to acquire PayPal – sources
231–240 of 333 posts
Re: Stripe and Advent have made a joint offer to acquire PayPal – sources
#232Earlier quoted context omitted.
Regulation E applies to FedNow instant payments as it applies to payer recourse. https://www.wolterskluwer.com/en/expert-insights/navigating-... https://www.consumerfinance.gov/rules-policy/regulations/100...
Only for unauthorized payments, i.e. for transactions you did not consent to. This does not cover products/services not received at an online merchant, for example, just like how you can’t retroactively cancel a check. Cards do allow chargebacks in this situation.
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Re: Stripe and Advent have made a joint offer to acquire PayPal – sources
#233Earlier quoted context omitted.
States have the ability to sue to block mergers as well as the federal government. See the recent 11 state lawsuit seeking to block the WarnerMount merger.
Which is funny because regardless of whether or not those states succeed in blocking the merger, those legacy video entertainment businesses will become irrelevant whether they are one business or two, due to the fierce competition from TikTok/Instagram/Reddit/Youtube/Whatsapp/computers/anything on the internet in general. It's probably the most inconsequential merger, from a consumer standpoint.
Anything can be a monopoly or not, depending on how you define the market.
Re: Stripe and Advent have made a joint offer to acquire PayPal – sources
#234If I worked for PayPal right now I'd be printing résumés. Stripe recently laid off 300 of their IT people. To paraphrase Petey Greene, I wouldn't trust them to wash my car.
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Re: Stripe and Advent have made a joint offer to acquire PayPal – sources
#235PayPal user for 20+ years and it is time to end that dross
For better or worse, PayPal is the only service that works for my business, and it has worked flawlessly for upwards of 2 decades. I casually look for alternatives to PP once every couple of years. My business ships a physical product, and has a completely passive web page. It's about as bland as boring as it gets. My page has a "buy" button with a link to PayPal. Then you complete your transaction within PP's site.…
I can never seem to find this API when I look for it. What's the feature you're using called? Thanks in advance.
Re: Stripe and Advent have made a joint offer to acquire PayPal – sources
#236Not good. Stripe makes restrictions that PayPal allows (cannabis adjacent, adult adjacent) that Stripe blocks. Many vendors will be negatively impacted by Stripes morality police and selective application of their policies.
Stripe can be ridiculously restrictive. A few years ago at a psychiatric company that (among other things) offered therapy, TMS, and also esketamine/IV ketamine that was only offered in office, prescribed by a psychiatrist that has determined it is a medically prudent treatment, and closely monitored. They also offered some seminars during the year that other doctors could pay to attend that counts towards their CE c…
Note: We never had an issue with Paypal and did not sell any pharmaceuticals. Just wanted to be clear on that.
Re: Stripe and Advent have made a joint offer to acquire PayPal – sources
#237Earlier quoted context omitted.
2008 in the EU and last year in the US.
Citation needed? I'm not seeing anything indicating PayPal has a bank charter in the US.
I can see that they applied last year but not that they've been approved https://newsroom.paypal-corp.com/2025-12-15-PayPal-Submits-A...
Re: Stripe and Advent have made a joint offer to acquire PayPal – sources
#238Earlier quoted context omitted.
There's a pretty clear difference between a lawsuit by 8 individuals, vs one filed by attorneys general representing a combined ~100m people.
Nevertheless, I have very little faith in states somehow blocking big mergers. Can you cite an example where this has happened? We've had basically every airline, several supermarket chains, and every major media company go through 1-2 rounds of megamergers. Which, specifically, have been successfully blocked by states?
Washington state was key to blocking Kroger-Albertsons.
Re: Stripe and Advent have made a joint offer to acquire PayPal – sources
#239Earlier quoted context omitted.
Citation needed? I'm not seeing anything indicating PayPal has a bank charter in the US.
I can see that they applied last year but not that they've been approved https://newsroom.paypal-corp.com/2025-12-15-PayPal-Submits-A...
Yes, exactly. It's kind of an... important distinction.
Re: Stripe and Advent have made a joint offer to acquire PayPal – sources
#240Earlier quoted context omitted.
If it's a card-not-present transaction, Visa or MasterCard is making the bulk of the commission and forcing the vendor to take on the risk of a transaction without a PIN or password. At least the others offer the hope that maybe some customers will pay directly from a Stripe/PayPal account, without the high commission and high risk of a Visa/MasterCard network transaction.
>If it's a card-not-present transaction, Visa or MasterCard is making the bulk of the commission and forcing the vendor to take on the risk of a transaction without a PIN or password. 3DS2 is the solution to that problem.
3-D Secure has been a fiasco IMO.
I can recall when we first tried 3DS in the US and it went over like a lead balloon. Let's jump out of the middle of checkout and go to a page which looks like they're trying to phish your bank account to continue, and by the way, you can just skip it. So customers did, and then merchants followed, except in countries that effectively required it because they cared about fraud.
One of the major selling points of 3DS2 was basically "we can guesstimate fraud with magic black-box logic behind the scenes so most of the time the customer is not disrupted."
But it's still lipstick on a pig because there are plenty of outs where you don't strictly need 3DS even in "countries that required it", and it's still window dressing around the idea that we're giving merchants an unscoped credential and hoping desperately it doesn't get misused or stolen elsewhere.
When we finally decide we don't want to get lapped by India and Brazil in payment tech anymore, I hope the camel-designed-by-committee it spawns is a push-only paradigm. If I want to buy something, let Newegg render a HTML microformat that browsers can detect and turn into a big clicky link to my bank's website/app with a pre-configured outbound transaction. Just as easy for the customer as a stored card, with less risk of abuse/compromise.