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Decathlon Germany adds Wero payment option to decathlon.de website

sgieurope.com

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Re: Decathlon Germany adds Wero payment option to decathlon.de website

#181

Post by ktosobcy »

iagooar wrote: post #47

I need to use this thread to mention the Polish payment system Blik. It is one of the most convenient payment systems out there - you generate an ephemeral 6-digit code in your banking app, copy it to the vendor, confirm, done. Works P2P with phone numbers, too. Interestingly, it would be the perfect system for payments using AI agents - the agent tries to pay, asks user to provide 6-digit code, submits payment reque…

There are similar payment options across the EU. There is Bizum in Spain which works in similar way (and also offers phone-to-phone transfers).

There is EMP association (https://en.wikipedia.org/wiki/European_Mobile_Payment_System...) which both BLIK and Bizum and bunch of others (I'd say majority of Europe) are members of that are already working on integration and Spain and Italy already work.

https://www.corporate.sibs.com/europa-the-future-of-payments...

Basically with Wero on decathlon.de the DACH is discoveryng local-digital-payments and are excited about something that the rest of Europe enjoyed for a long while ;)

Re: Decathlon Germany adds Wero payment option to decathlon.de website

#182

Post by haagch »

Muromec wrote: post #100
sebtron wrote: post #87

Earlier quoted context omitted.

I can pay with iDEAL without interacting with a smartphone, using only my laptop and a physical 2FA device provided by my bank. Do you know if this will be possible with Wero?

It's up to your bank actually. Banks (generally) don't want to pay for your hardware key so you need to do a special dance to trigger their compliance bound neural pathways to send you one. But then the true bliss will arrive the next year with eidas 3.0 or whatever it is called

I have German bank accounts at two different banks and can send SEPA SCT instant transactions via webinterface and physical tan generator with both of them. Wero however is restricted to mobile apps regardless of what your tan generator is and in fact from what I heard, banks generally force you to switch to mobile app tan generators when opting into Wero.

The GLS bank implies it's not up to them. Generally I feel like implementation details are intentionally not made public. For example so far there is no definitive statement on the public internet I could find about whether iDEAL web based payments will still be available after iDEAL will actually switch to Wero. Statements like "For consumers, the online payment experience will remain largely unchanged, as they will continue to pay through their own bank." are always kept vague.

Re: Decathlon Germany adds Wero payment option to decathlon.de website

#183

Post by sajithdilshan »

ekall wrote: post #111
sajithdilshan wrote: post #84

Earlier quoted context omitted.

I wouldn't count on that, in-order to provide rock solid financial service, you definitely need a reliable cloud provider. There is no true equivalent in EU for a cloud provider like that at the moment

To me this is like saying that it is no use trying to prevent your arm from being cut off because if you try you will lose a finger. What use is american cloud reliability if it can't be trusted in with sovereignty the first place?

This sovereignty debate is the dumbest thing I’ve heard, like a country can be sovereign, but Europe is not a country. It’s like saying Asia is going to be so sovereign. We all saw how the unity of Europe with brexit.

Re: Decathlon Germany adds Wero payment option to decathlon.de website

#184

Post by jeroenhd »

janandonly wrote: post #33

Why is this news? In the Netherlands the ideal system is already replaced by Wero ? What am I missing.

Dutch iDeal|Wero uses incompatible QR codes and a bank selection flow compared to international Wero. The real Wero implementation comes next year.

They're trying to ease in Dutch customers to the Wero brand, but in the mean time they're confusing every tourist or immigrant with their wero-but-not-wero system.

Re: Decathlon Germany adds Wero payment option to decathlon.de website

#185

Post by embedding-shape »

bornfreddy wrote: post #157
embedding-shape wrote: post #39

Earlier quoted context omitted.

I tend to prefer Bizum over my card, as my newfangled debit card has a CVV code that changes every 10 minutes, so I can no longer just autofill the card with a password manager, I MUST open the bank app to get the CVV code. With Bizum I don't need that, input my phone number, approve the dialogue in the bank app, then for future purchases it's automatically approved. That no fees goes to American companies is just th…

> my newfangled debit card has a CVV code that changes every 10 minutes, ... Wow, is it using e-paper? Cool! > ..., I MUST open the bank app to get the CVV code. Ah. Gotcha.

> Wow, is it using e-paper? Cool!

That would be cool, but no, the physical card itself has no numbers on it all in any shape or form, not even the expiry date.

Re: Decathlon Germany adds Wero payment option to decathlon.de website

#186

Post by twothreeone »

Wow, very cool "The European way to pay online." - so surely they are on f-droid or have an apk download like Signal with build signatures published on their website! Oh, no - they require you to have a Google account and Play Store on your mobile device. Well, false advertising again. Disappointing, but why am I not surprised. Thank you, but no.

Re: Decathlon Germany adds Wero payment option to decathlon.de website

#187

Post by tosti »

kfse wrote: post #170
V__ wrote: post #159

Earlier quoted context omitted.

To be fair, how is Google blocking you from downloading an app, a Wero problem though?

Country availability is a policy set up by the app publisher, not a Google policy

Which is complete bullshit with the Euro having been specifically invented to be used across the EU.

I had a similar moment of stupidifiedment trying to park in Germany with a phone set to Dutch region. Euro in cash works everywhere Euros are accepted but apps on the freaking Internet? Nah, gotta restrict that to the publisher country only.

Re: Decathlon Germany adds Wero payment option to decathlon.de website

#188

Post by tremon »

tosti wrote: post #187
kfse wrote: post #170

Earlier quoted context omitted.

Country availability is a policy set up by the app publisher, not a Google policy

Which is complete bullshit with the Euro having been specifically invented to be used across the EU. I had a similar moment of stupidifiedment trying to park in Germany with a phone set to Dutch region. Euro in cash works everywhere Euros are accepted but apps on the freaking Internet? Nah, gotta restrict that to the publisher country only.

Switzerland is not part of the EU nor the Eurozone though. It's still a shortsighted stance of Postbank not to open the app to at least the DACH region, but that specific argument carries little weight.

Re: Decathlon Germany adds Wero payment option to decathlon.de website

#189

Post by tosti »

microtonal wrote: post #155
alde wrote: post #123

Earlier quoted context omitted.

Last time I visited NL many shops (including Albert Heijn) only supported Maestro, so as a foreigner you effectively can't pay with Visa or Mastercard.

Not with Visa/Mastercard credit cards, but Visa/Mastercard debit cards work everywhere. In fact, my current main card is a Visa debit card (not Maestro or V-Pay, it has the same code format as a credit card and a CVC code, which my older Maestro/V-Pay cards didn't have). This is one of the reasons why Garmin Pay is pretty useless here. Most banks only support it with credit cards and a lot of stores do not take credi…

Back then there was still GWK. You could buy rolls of nickels to add some weight to your savings, american dollars and other foreign monies.

I'd buy myself a shitload of rupees (for a couple of tenners) if they were still around. Such a missed chance.

Re: Decathlon Germany adds Wero payment option to decathlon.de website

#190

Post by bluebarbet »

pembrook wrote: post #151
Freak_NL wrote: post #113

Earlier quoted context omitted.

> and many only support iDEAL Actually, look closer when you pay using Ideal (as we all do). You will notice that usually there are several payment methods, and these almost always include credit cards . The reason for this is not because the Dutch like to pay using credit cards (most Dutch never use one), but because of a little known law regarding online stores. It is, in fact, not allowed to only offer payment opt…

To be honest I like the idea of forcing merchants to accept credit cards in addition to this. Regardless of how much I like the idea of a payments layer without Visa/Mastercard fees, I think the rich engineers of hackernews and 10,000 overpaid consultants who worked on this massively underestimate how valuable an interest-free 30 day bridge loan is to average people (and businesses) on monthly payroll. Combine this w…

This applies more to the USA than to Europe, where "credit cards" are in fact mostly debit cards (cursory research says 71% vs 26% in America), and ordinary people tend not to be up to their necks in consumer debt. Anecdotally, I've never used an actual credit card in my life.
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