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Gov.uk has replaced Stripe with Dutch provider Adyen

theregister.com

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Re: Gov.uk has replaced Stripe with Dutch provider Adyen

#241

Post by bArray »

dbbk wrote: post #185
bArray wrote: post #181

> Adyen will take over GOV.UK Pay card payments for local authorities, police forces and armed forces units from Stripe, as well as pay by bank services, under a three-year contract worth up to £25.3 million. I would prefer they take this money and either build a payment processor or use an existing UK company. The UK government is addicted to offshoring all contracts it can, and then is surprised when the cheapest p…

I'm sorry? Did you just say you want the UK government to "build a payment processor"?

Why is that so insane? Would you be saying the same when the NHS was originally proposed?

It's entirely possible, the fact that the UK government lacks imagination is at great cost to the tax payer. There is no serious long term investment into UK tech, past building AI datacentres for a bubble economy with some of the worst energy rates in the world.

Re: Gov.uk has replaced Stripe with Dutch provider Adyen

#242

Post by ndsipa_pomu »

tsimionescu wrote: post #237
ndsipa_pomu wrote: post #236

Earlier quoted context omitted.

There's also "contactless" credit card payments in the UK and are common for buying things in shops/pubs etc. I don't know what the situation would be if you were to dispute an incorrect contactless charge.

Those are common in all of Europe, and they are still based on either biometrics (if using your phone) or the card's chip. They do typically include a transaction value and count limit below which the biometrics or pin don't actually get checked, for ease of use. But, given that this limit is controlled by the user, I expect that the contract terms also prevent you from disputing transactions below those limits - tho…

I don't think I can control the contactless limit on any of my cards (I'm in the UK). Occasionally, the contactless device will prompt to enter a pin, but it happens fairly rarely (probably more common if the payment is at a new location).

I also haven't examined the various contracts, but I'd be surprised if there was no option to dispute transactions below a certain limit as that could be exploited by banks or thieves (but I repeat myself) or shops. An unscrupulous shop could double up transactions or change the amount paid and customers would not be happy if the bank turned round and said "it's below the £50 limit, so we don't care". The bank is more likely to push the problem onto the retailer and simply refund the customer and charge the retailer.

Personally, I don't like contactless due to the change of responsibility between the customer and bank and prefer to use PINs. As far as I know, I can't get just a PIN card as they all have contactless enabled.

Re: Gov.uk has replaced Stripe with Dutch provider Adyen

#243

Post by elFarto »

ndsipa_pomu wrote: post #224
harvey9 wrote: post #193

Earlier quoted context omitted.

Road fund licence aka car tax is probably the most common thing that lots of people pay for regularly.

In the UK, the so-called car tax is an emissions tax (i.e. electric vehicles pay £0) and doesn't pay for road maintenance etc. Roads are paid for out of general taxation (e.g. income tax). Actual road tax ended in 1937. I feel this is worth correcting as "don't bloody pay road tax" is a common form of abuse aimed at cyclists which is wrong on a number of levels. A lot of cyclists also drive a car and non-driving cycl…

The tax for electric cars is normally £200 after the first year or £20 for electric cars older than 2017.

Re: Gov.uk has replaced Stripe with Dutch provider Adyen

#244

Post by ndsipa_pomu »

elFarto wrote: post #243
ndsipa_pomu wrote: post #224

Earlier quoted context omitted.

In the UK, the so-called car tax is an emissions tax (i.e. electric vehicles pay £0) and doesn't pay for road maintenance etc. Roads are paid for out of general taxation (e.g. income tax). Actual road tax ended in 1937. I feel this is worth correcting as "don't bloody pay road tax" is a common form of abuse aimed at cyclists which is wrong on a number of levels. A lot of cyclists also drive a car and non-driving cycl…

The tax for electric cars is normally £200 after the first year or £20 for electric cars older than 2017.

Ah yes - looks like they changed it in 2025.

Re: Gov.uk has replaced Stripe with Dutch provider Adyen

#245

Post by willy_k »

pembrook wrote: post #166
chinathrow wrote: post #155

Earlier quoted context omitted.

Why though? Because they raised a lot of capital in the US? Or because they had access to better talent in the US? As I see, there are many payment providers in the EU, just not API first as Stripe ever was.

People will blame the EU’s nightmarish fragmentation and regulatory headaches (all true)…but ultimately all factors ladder up to one thing: the availability of risk capital to invest in new ventures. When Stripe was founded Venture Capital in Europe was even more nonexistent than it is today. Regardless of the regulation, if the EU dumped 2X as much risk capital into payments startups at the same time the U.S. did, S…

> Whose fault is it Europe is so far behind? Ultimately WW1 and WW2..

So still Europe’s.

Re: Gov.uk has replaced Stripe with Dutch provider Adyen

#246

Post by hrududuu »

nottorp wrote: post #226
ExoticPearTree wrote: post #175

Earlier quoted context omitted.

As a Stripe customer I can attest to its simplicity: you have API that you call and that's it. You don't have to deal with any of the PCI stuff if you would do it in-house, just an SAQ once a year. The back-end is also super simple and easy to set up antifraud rules and so on.

Do you have 3d secure or whatever the marketing name is for it this week? Because it's my impression that either Stripe doesn't support it or it's so hard compared to the rest of their API that no one does it...

https://docs.stripe.com/payments/3d-secure

Re: Gov.uk has replaced Stripe with Dutch provider Adyen

#247

Post by ExoticPearTree »

nottorp wrote: post #226
ExoticPearTree wrote: post #175

Earlier quoted context omitted.

As a Stripe customer I can attest to its simplicity: you have API that you call and that's it. You don't have to deal with any of the PCI stuff if you would do it in-house, just an SAQ once a year. The back-end is also super simple and easy to set up antifraud rules and so on.

Do you have 3d secure or whatever the marketing name is for it this week? Because it's my impression that either Stripe doesn't support it or it's so hard compared to the rest of their API that no one does it...

> Do you have 3d secure or whatever the marketing name is for it this week?

Stripe takes care of that for cards that are enrolled into 3D Secure (I think it is a Visa thing - the naming) and other kinds of card 2FA validation (Mastercard has their own and so on).

Re: Gov.uk has replaced Stripe with Dutch provider Adyen

#248

Post by nottorp »

ExoticPearTree wrote: post #247
nottorp wrote: post #226

Earlier quoted context omitted.

Do you have 3d secure or whatever the marketing name is for it this week? Because it's my impression that either Stripe doesn't support it or it's so hard compared to the rest of their API that no one does it...

> Do you have 3d secure or whatever the marketing name is for it this week? Stripe takes care of that for cards that are enrolled into 3D Secure (I think it is a Visa thing - the naming) and other kinds of card 2FA validation (Mastercard has their own and so on).

Not in my experience as an european cc user (where non 3d secure is rejected by default) using stripe based (us located mostly) stores.

The ones i've tried to pay on bull rush to charging me with no 2FA and my bank just rejects them.

Re: Gov.uk has replaced Stripe with Dutch provider Adyen

#250

Post by TRiG_Ireland »

trumpdong wrote: post #163
fireant wrote: post #143

Earlier quoted context omitted.

It could also be something PSD2 based. You should be able to create payment using PSD2, but the client still has to approve it inside their bank app.

They said Australian - it's POLi.

It was indeed POLi. Strange that it's using actual bank passwords!
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