Earlier quoted context omitted.
And what about the inconvenience of not having access to your money until the dispute is resolved?
With a credit card, it is not your money, it is the banks’ money.
Yeah, but your card has a limit.
Online card payments still suck
111–119 of 119 posts
Re: Online card payments still suck
#112Earlier quoted context omitted.
Yes, which is a big reason to use credit cards.
You're still paying for the cost of fraud, so it's not really someone else's problem.
Until annual card-related expenses reach the equivalent of paying someone to personally guard your money, it's immaterial.
Re: Online card payments still suck
#113I'm still disappointed every time I try to order something at a webshop and they don't support iDeal[0]. That's how online payment should work. Of course it's only a Dutch system, so it's not going to be supported by all international webshops (although Steam does), but if anyone has the scope to introduce a more secure form of online payment, surely it's Visa and MasterCard? Why don't they introduce an iDeal-like pa…
I love iDeal! It is one reason why the Amazon Monopoly has less hold in countries like the Netherlands. Online payment is such a breeze!
And you know, good old bank transfers worked perfect decades before that too. Still do in fact. Even Europeans from certain (Eurozone) countries seem wary to use it, while typing in am IBAN is really not anymore work than typing a credit card number.
Re: Online card payments still suck
#114I'm still disappointed every time I try to order something at a webshop and they don't support iDeal[0]. That's how online payment should work. Of course it's only a Dutch system, so it's not going to be supported by all international webshops (although Steam does), but if anyone has the scope to introduce a more secure form of online payment, surely it's Visa and MasterCard? Why don't they introduce an iDeal-like pa…
No. iDeal sucks. No insurance. Go read on some Dutch websites where they discuss online purchase issues. First question they ask: paid with credit card? Open dispute. Paid with iDeal: much harder as they have your money. If they’re not associated with some kind of governing body your only recourse is a lawyer. I’ll pay the credit card transaction fees. Peace of mind.
Downvoters: prove me wrong… what’s your recourse when the shop refuses to corporate?
Re: Online card payments still suck
#115> "The security of your card details is only marginally improved" Please don't be ridiculous, I understand you have to instill fear in the people reading this for them to use your service, but the security of what you described before to today has improved by orders of magnitude: - I'm going to guess no HTTPS 20 years ago (it was formally specified 22 years ago). - Merchant employee has access to the raw data of your…
I think you miss the point that card payments should never have evolved to still require us to type sensitive data into a web form at all. Also, don't forget that 2FA etc are not ubiquitous, especially not in the US. As I implied, PCI DSS is lipstick on a pig. We could have done much better in the last 20 years. Now Apple and Google are doing it for us and we won't have any choice but to get further locked into their…
No I get and agree to that point, but the article also literally says the line I quoted above! Those are not mutually exclusive.
Apple and Google pay I feel like will somehow get stuck in the USA, I'm from Spain and I can def not see how, seeing how convenient payments are over there, they will get any meaningful penetration. It's funny because every year that I've come back to Spain (now I live in Japan) there's been a totally different but more convenient way of payments there. I need to write about it some day. Like, I'm the last person who expected payment methods would have a 1-year turnaround in the "old school" country of Spain! But somehow it happened, and that while not locking foreigners out (which is common e.g. in Japan, where you have all these "strange" payment methods that are inscrutable for tourists).
Re: Online card payments still suck
#116> "The security of your card details is only marginally improved" Please don't be ridiculous, I understand you have to instill fear in the people reading this for them to use your service, but the security of what you described before to today has improved by orders of magnitude: - I'm going to guess no HTTPS 20 years ago (it was formally specified 22 years ago). - Merchant employee has access to the raw data of your…
Your timeline is off, Netscape Communications created HTTPS in 1994. So while it became a formal specification in 2000, browsers where already supporting it at the time.
True, I just searched when the standard was created, my point still remains that by 2002 most sites were probably without HTTPS though. Heck, I remember in ~2012 when I started programming about half of the login sites I used were without HTTPS!
Re: Online card payments still suck
#117Unpredictability of international online card payment is painful. Up until March, most if not all the transaction to Japan were working. Two out of three cards I regularly stopped working on March, and one card still works, except it get flagged at EVERY SINGLE instance of these purchase that I actually have to call the issuer to get it unblocked for transaction. (Doesn't matter where it is, doesn't matter how many times I've made purchase from the same vendor.)
It seems like this is something to do with changes in 3DSecure; what's frustrating so much is that noone can provide me information what's going on, it's simply doesn't work.
Re: Online card payments still suck
#118Earlier quoted context omitted.
I love iDeal! It is one reason why the Amazon Monopoly has less hold in countries like the Netherlands. Online payment is such a breeze!
Amazon.nl does support iDEAL
To be clear: when I have to input cc info, I’m less likely to use an e-commerce site. IDeal makes me more likely to use other websites bc it isn’t so hard to pay. That’s why it breaks Amazon inertia.
Re: Online card payments still suck
#119Earlier quoted context omitted.
Amazon.nl does support iDEAL
To be clear: when I have to input cc info, I’m less likely to use an e-commerce site. IDeal makes me more likely to use other websites bc it isn’t so hard to pay. That’s why it breaks Amazon inertia.
In the Dutch e-commerce context, that’s less like breaking Amazon inertia and more like breaking Bol.com inertia.
Either way, we never had credit cards in the Netherlands (they exist, but aren’t popular). The predecessor to iDEAL was the paper ‘acceptgiro’ [1]. The big difference there is that that was a postpaid scheme (you’d receive the acceptgiro along with your goods, fill and sign it, and send it to your bank to be processed).