[tluyben2]

The anxiety probably stems from the scale of wechat pay; you can pay basically everywhere with it now. Even in places that do not officially accept it, the store clerk will usually just accept on his private phone and put money in the till for you.

[gruez]

how's that any different than payment processors like square, which allows just anyone with a cellphone onto their platform?

>the store clerk will usually just accept on his private phone and put money in the till for you

is that really a thing people do? the risk-reward ratio is all off. you take on the risk of possibly getting a chargeback (maybe the phone/account was stolen), in exchange for... nothing? it's not like the cashier is getting paid commissions.

[em500]

Alipay and WeChat pay don't do chargeback, so where's the risk to the clerk? They're mainly replacing cash / direct debit, which don't provide chargeback either.

[tluyben2]

Slightly offtopic; how easy is it to do chargebacks over there as it sounds trivially easy? On my dutch and spanish creditcards I have tried chargebacks but it is a royal pain in the ass; writing letters (in the actual post, not digitally) and providing proof for obvious things like hotel double charge.

[frockington]

As an American my experience has been clicking on a button on my account statement that says "Report suspicious" and then getting a refund in two days