gpvos

Born on June 30, 2011•8144 Karma

16 hours ago

•on: Goodbye Visa and Mastercard: 130M Europeans switch...

Not quite (but maybe differs per bank?). You get a notification a few days before the first debit takes place, and you have the right to request the debit be annulled for at least a month after it happens.

I've never seen an address needed for a cc charge, although sometimes a zip code is needed.

gpvos•

1 day ago

•on: Netherlands blocks US takeover of vital digital su...

Absolutely, no one would have batted an eyelid.

gpvos•

6 days ago

•on: Throwing AI-generated walls of text into conversat...

Some people, like me, have developed this communication style because it turned out that when they didn't they were very often misunderstood. When properly applied (i.e., not excessively, no actual walls of text), giving appropriate context helps focus the thinking of the receiver in the right direction.

gpvos•

5 days ago

...but yeah, every now and then I do get comments that I'm very wordy.

gpvos•

7 days ago

•on: Goodbye Visa and Mastercard: 130M Europeans switch...

3. Yeah, the previous system we used was just too cheap and efficient. Credit cards are still not common.

4. We're indeed a bit later than elsewhere, but there are many now.

gpvos•

7 days ago

•on: Goodbye Visa and Mastercard: 130M Europeans switch...

When using the web interface some banks still offer the physical reader (which I prefer), but the banks are pushing hard to move to the phone app.

gpvos•

7 days ago

•on: Goodbye Visa and Mastercard: 130M Europeans switch...

If using a phone, yes, but then you probably already did.

gpvos•

7 days ago

•on: Goodbye Visa and Mastercard: 130M Europeans switch...

The QR code just contains a URL to a website, so you can also just use that link and a web browser. That website will let you choose which bank you use, and then redirect to your bank's website which will use your bank account directly. I don't think it works with cards at all.

graemep•

7 days ago

Thanks, that sounds pretty good.

gpvos•

7 days ago

•on: Goodbye Visa and Mastercard: 130M Europeans switch...

No. The bank gives you a prominent notification when someone new gets a direct debit authorization for your account. And a merchant gets banned quickly when they misuse their debit authorization.

upcoming-sesame•

1 day ago

right. direct debit has been a thing for a long time and I have never got a fraud attempt or heard of anyone who did

gpvos•

7 days ago

•on: Goodbye Visa and Mastercard: 130M Europeans switch...

I've used BLIK once, for an online payment from the Netherlands to Poland, and for that it was terrible. I assume it's much better integrated into the Polish system.

pndy•

7 days ago

Every bank supports it - there are quick money transfers by phone number (as long such number is registered as a payment recipient within Blik) and kind of cheque that can be redeemed using ATM. And of course you can do standard withdraw, deposit operations with Blik using ATM as well. POS terminals supports it along with standard card and contactless payment options.

Blik supports one-time, recurring and deferred payments (that last thing is just being implemented by few banks but probably will be available everywhere soon), and one-click ones that don't require PIN verification. I'm not 100% sure but the only thing that's not possible is charge-back - if you pay with Blik, you're left with a standard complaint for payment that caused problems.

Last year I was using Blik to pay for my taxi to some 80-year old private driver because I didn't had enough cash - he was totally fine with it and as I noticed his car had even a Blik sticker.

Not sure how other European systems work like but I assume these are pretty similar in terms of functionality. The 6 digit temporary codes generated by your bank app and verified by secondary PIN will stay here along contactless payments done by cards or phones, watches.

gpvos•

6 days ago

I think a nice thing about BLIK is that it actually worked in my case, even though it was cumbersome. Using iDEAL from a Polish account just isn't going to happen.

gpvos•

7 days ago

•on: Goodbye Visa and Mastercard: 130M Europeans switch...

Wero is for internet payments, but Visa and Mastercard are still involved for card payments. I just got a new-style Dutch debit card and it has a Mastercard logo on it; Visa cards are also still being given out.

lccerina•

7 days ago

The idea is that merchants will ditch the card-pos in the long run. You scan a QR-code or send money through some app. Satispay does that in Italy and got massive rollout from stores because fees were pretty low also for smaller transfers, so no more "sorry, at least 5 euros to pay with card"

gpvos•

7 days ago

Too bad you will be forced to use a phone then. I don't like having yet another single point of failure. But maybe by that time, the EU requirement to accept cash will have taken force.

lccerina•

4 days ago

Indeed. It's a step forward and two backwards, personally I don't have payment cards on the phone wallet because one company surveilling my purchases is enough. Hopefully there will be some Wero-powered card option. From a UX point of view, both payers and merchants, it's still the most practical and fast.