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by prasoonds
1059 days ago
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I don't think it's because of regulation. PSD2 related open-banking regulations are broadly about letting customers have access to their bank's functions via API. > PayPal enables XS2A use cases for TPPs through PayPal’s REST stack. Through PayPal's reliable and proven APIs, TPPs can access the same PayPal systems that power all of PayPal's merchant and consumer experiences. Stripe isn't a TPP and even if it were to use an external TPP (Tink, Truelayer etc) to allow users to initiate a transaction from a user's PayPal account (similar to A2A transfer), it would be significantly "less integrated" of an experience. There are many problems with the UX around Open Banking A2A payments and it would harm conversion. Because of these reasons, I think it's a bespoke integration/deal between Stripe and Paypal |
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