Hacker News new | ask | show | jobs
by fhd2 1101 days ago
Is PayPal still a thing in the US? Only one mention in the article, none here in the comments.

I'm in Germany and order at a lot of specific sites, and while I don't like PayPal as a company or their fee structure, it's usually what keeps me sane. Most cases I don't have to enter anything, no need to create an account or even enter the delivery address. Doesn't get much more convenient than that.

3 comments

Are the competitors that bad in Germany? Here in Sweden PayPal has one of the worst UIs and the buggiest sites.
This is actually true, but I still use PayPal probably 10-20 times a year and I haven't logged into their site for probably 2-3 years, at least whenever I last had to update my payment cards.

The site is suboptimal, it's probably not a great company and I have no idea if they're charging me anything - but the one-tap purchase system just works, and that's all I need. There are other great options in Klarna and similar, but even they give me too many options to coax me into paying later so I inadvertently pay fees. PayPal literally just withdraws from whichever card has sufficient funds at the time, has worked exactly as stated for over a decade, so I really have no incentive to investigate alternatives (especially for sites where my PayPal is already setup, like Steam).

alternatives are standard wire-transfer, which will take a few days (wtf?) and some privately run proxy-service for wire-transfers (sofortueberweisung.de) where you login with the banking credentials on a non-bank website (yes, really) which manages to give the seller a confirmation of the transaction.

no alternative thou that manages adresses, confirmation and the actual transaction with one login/button

Germany, Italy, and Israel love Paypal.

Countries with low consumer trust.

Paypal has been very annoying with their login stuff since PSD2, more so than real banks. Amazon Pay is the easiest there, though SEPA payments are kinda the easiest for the consumer. However, SEPA transactions negatively impact credit score (if the merchant asks for the score, not all do). Credit cards are just a hassle online (except thru Apple Pay) and 3dsecure always feels like phishing.
Why does Germany have low consumer trust? Like, Italy I can see. And Israel has low-scale firefights happening on an irregular but non-trivial basis.
Has anyone done a scatter plot of PayPal and crypto adoption, on one axis, and estimated cash use, on the other?
I find it's a gamble for me. If paypal redirects and opens in the same browser it's happy days.

If it opens in a new window, it always seems to error out