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> It’s an expectations issue, not a technology issue. Nobody said it was a technology issue.
by scribu 9y ago
> It’s an expectations issue, not a technology issue.
Nobody said it was a technology issue.
- toomuchtodo 9y agoI believe my point is Zelle can’t fix users doing stupid things.
- shkkmo 9y agoYes, they can. They can make the correct use case clear on their website and in their UI. A warning could be added when sending payment that there is no fraud protection. I blame both the banks and Zelle for implementing this poorly.
- majormajor 9y agoWhy wouldn't "add in fraud protection since that's many people's reasonable default assumption" be the most desirable thing for them to do? Why do we let people get away with such crappy ideas, and then just blame users or implementers (UI designers, in this case)?
- scott00 9y agoBecause fraud protection costs money, and it's useful to have an electronic payments medium that doesn't have it, and therefore avoids those costs.
- majormajor 9y agoSo if Paypal can give it to me for free, per the article, the answer just seems to be "we should tell everybody as loudly that we can that this is a shit product."
- toomuchtodo 9y agoPayPal takes 2.9% and change off the top. Banks do not charge for person to person transfers. There is no skim for expensive fraud prevention to come out of.
- majormajor 9y agoPayPal doesn't take that off the top for person-to-person. They haven't in... five years? I don't know. It's been a while. You used to have to do some sort of "it's a gift" thing, but I haven't seen that in a long time. https://www.paypal.com/us/selfhelp/article/What-are-the-fees-for-PayPal-accounts-FAQ690 https://www.paypal.com/us/selfhelp/article/What-are-the-fees... > There are no fees within the U.S. to send money to family and friends when you use only your PayPal balance or bank account, or a combination of your PayPal balance and bank account.
- deleted 9y ago[deleted]
- ianburrell 9y agoPaypal doesn't provide fraud protection for free friends-and-family payments. There is scam where sellers will request select friends-and-family payments both to avoid the fee but also to avoid the protections.
- notriddle 9y agoI think that's why they call it "friends and family"; to keep the expectations reasonable.
- majormajor 9y agoAh, thanks, that's not obvious from the original article. Or from Paypal, either, to me. Very obnoxious, that.