[_DeadFred_]

It's crazy after all this time we still don't have low friction small transaction capability on the western world's web. When I was in China way back in 2014 it seemed like they had an ability to this person to person from your phone, so why can't we get it for the web?

Maybe there's enough out of work developers someone can go after this seemingly low value but wished for since forever payment space.

[Aachen]

I don't mind transferring euros to a bank account, it's more about american systems doing fraud detection and deciding I can't pay with a german address and a dutch bank account (stripe illegally (https://www.acceptmyiban.org) rejects that for example, can't pay for DeepL...; or paying for food with a german credit card and Dutch IP because my mobile data routes through NL, also gets rejected), german credit scoring being mandatory to force a "pay later" scheme on you when you just want to pay up front (involves either phishing you or validating your phone number), paypal simply having a broken UI that goes "something went wrong", etc.

Everyone with a bank account can transfer money online, merchants just need to accept it and not try to use dumb schemes that charge extra fees on top of the bank fees to "support more payment methods", that's my problem...