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As someone who uses PayPal on a multiple times per week basis and who has never had any issues, this type of story (as well as the general sentiments of many of

As someone who uses PayPal on a multiple times per week basis and who has never had any issues, this type of story (as well as the general sentiments of many of the comments) makes me worry that my time will come soon enough. Can anyone recommend a service like PayPal that would be good for online transactions between individuals, but that also allows for credit card use? Fees are to be expected, it's just that I have t been able to find another service that will allow CC. I'm really hopeful that Google wallet will begin to allow CC use sometime soon.

JBReefer 10y ago
Venmo ... Oh that's PayPal too. I'm not a fan, but maybe Bitcoin? What about mailed checks, as a backup?
- kennywinker 10y ago
  In Canada we have Interact e-transfers. For about $1 you can send money between any two banks via email or sms. The fee is frustrating, especially when you want to pay someone back for lunch or something small, but it is very convenient and basically everybody knows how to use it at this point.
  - jessriedel 10y ago
    Btw, EQ Bank and ATB Financial offer a few (5-10) Interac transactions for free per month. http://www.playpay.ca/blog/comments.cfm?id=3&blogid=7 http://www.playpay.ca/blog/comments.cfm?id=3&blogid=7
  - CosmicShadow 10y ago
    Yeah these are great, they've pretty much made cheques obsolete. Need to pay the cleaning lady or lawn guy? Just email money transfer, no one wants to go to the bank or take a photo of a cheque. I even get paid for many contracts via this method, but it can be annoying that some banks have lower daily limit, and even more surprisingly my personal daily limit is like twice as high as a business bank account's limit (for certain banks), but it's like $1.50 to send the money and people just do it over the course of 2 days if it's over the limit. Wire transfers are too crazy expensive in Canada as well. Also easiest way to send money to yourself if your business account is at a different bank and you don't have cheques or want to get robbed carrying cash!
  - jlebrech 9y ago
    someone who asks you for that $5 back, is always that person that will borrow $500 from you and never pay back, why spend a dollar for such a small amount.
    - kennywinker 9y ago
      Where are you going for lunch?
- briandear 10y ago
  How do you explain Bitcoin and actually how to use it to a normal person. It's a niche "currency" and not something you could expect your typical non-tech person to use. You might as well tell someone to pay you in put options or bearer bonds.
PKop 10y ago
Square cash? Not sure how the service use cases may differ, but Square cash is the easiest peer-to-peer payment service I've ever used.
jpalomaki 9y ago
One major problem I see is how to handle the case when person submitting money later denies making the payment (always an option when you pay with credit card and I guess quite plausible if everything takes places online). Unless the payment service holds the money in escrow for quite a while, they might end up in quite difficult situation having sent the money forward, but not getting the payment from credit card company. PayPal seems to manage this, but on the other hand they don't hesitate to block the accounts for whatever reason. Sometimes I wonder if this behavior is the reason they have survived in this business.

JBReefer 10y ago

Venmo ... Oh that's PayPal too. I'm not a fan, but maybe Bitcoin? What about mailed checks, as a backup?

kennywinker 10y ago
In Canada we have Interact e-transfers. For about $1 you can send money between any two banks via email or sms. The fee is frustrating, especially when you want to pay someone back for lunch or something small, but it is very convenient and basically everybody knows how to use it at this point.
- jessriedel 10y ago
  Btw, EQ Bank and ATB Financial offer a few (5-10) Interac transactions for free per month. http://www.playpay.ca/blog/comments.cfm?id=3&blogid=7 http://www.playpay.ca/blog/comments.cfm?id=3&blogid=7
- CosmicShadow 10y ago
  Yeah these are great, they've pretty much made cheques obsolete. Need to pay the cleaning lady or lawn guy? Just email money transfer, no one wants to go to the bank or take a photo of a cheque. I even get paid for many contracts via this method, but it can be annoying that some banks have lower daily limit, and even more surprisingly my personal daily limit is like twice as high as a business bank account's limit (for certain banks), but it's like $1.50 to send the money and people just do it over the course of 2 days if it's over the limit. Wire transfers are too crazy expensive in Canada as well. Also easiest way to send money to yourself if your business account is at a different bank and you don't have cheques or want to get robbed carrying cash!
- jlebrech 9y ago
  someone who asks you for that $5 back, is always that person that will borrow $500 from you and never pay back, why spend a dollar for such a small amount.
  - kennywinker 9y ago
    Where are you going for lunch?
briandear 10y ago
How do you explain Bitcoin and actually how to use it to a normal person. It's a niche "currency" and not something you could expect your typical non-tech person to use. You might as well tell someone to pay you in put options or bearer bonds.

PKop 10y ago

Square cash? Not sure how the service use cases may differ, but Square cash is the easiest peer-to-peer payment service I've ever used.

jpalomaki 9y ago

One major problem I see is how to handle the case when person submitting money later denies making the payment (always an option when you pay with credit card and I guess quite plausible if everything takes places online). Unless the payment service holds the money in escrow for quite a while, they might end up in quite difficult situation having sent the money forward, but not getting the payment from credit card company. PayPal seems to manage this, but on the other hand they don't hesitate to block the accounts for whatever reason. Sometimes I wonder if this behavior is the reason they have survived in this business.