Gov.uk has replaced Stripe with Dutch provider Adyen • Hacker News Board

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

#251

Post by enos_feedler » Mon, Jun 08, 2026, 7:33 PM UTC

M2Ys4U wrote: post #204

DaSHacka wrote: post #82

Earlier quoted context omitted.

How many people are actually buying things on a Debit card? I imagine not a lot

Mid-thirties Brit here. I've never owned a credit card, neither has my partner. All of our card transactions are with a debit card. I've never needed instant-access debt so it's not really an attractive proposition. Perhaps the added consumer protection rules could be worth it, but it's not been an issue to date.

Depending on your annual spend you could be missing out on one or more free trips per year in airline and hotel points.

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

#252

Post by DaSHacka » Tue, Jun 09, 2026, 1:20 AM UTC

lxgr wrote: post #94

DaSHacka wrote: post #82

Earlier quoted context omitted.

How many people are actually buying things on a Debit card? I imagine not a lot

Roughly half of all card users in the US, and probably much more elsewhere.

That surprises me, I've never met someone that uses Debit cards as their primary method of payment.

You lose a lot of consumer protections and many cashback rewards by using only Debit cards. The only drawback to credit cards is the interest, if you don't pay it off at the end of the month. So long as you're responsible with your spending, it's a direct upgrade.

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

#253

Post by lxgr » Tue, Jun 09, 2026, 10:53 AM UTC

DaSHacka wrote: post #252

lxgr wrote: post #94

Earlier quoted context omitted.

Roughly half of all card users in the US, and probably much more elsewhere.

That surprises me, I've never met someone that uses Debit cards as their primary method of payment. You lose a lot of consumer protections and many cashback rewards by using only Debit cards. The only drawback to credit cards is the interest, if you don't pay it off at the end of the month. So long as you're responsible with your spending, it's a direct upgrade.

> That surprises me, I've never met someone that uses Debit cards as their primary method of payment.

That in turn is not surprising – the split is very much correlated with socioeconomic status (to the point where quite a few of the people working on debit card products have never themselves used a debit card to pay, in my experience).

> The only drawback to credit cards is the interest [...]

Which is a significant drawback if your bank account balance regularly oscillates around zero and/or you've seen your peers get in financial trouble from credit card debt.