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As a power user of Google Pay in conjunction with PayPal (in Germany) should I be worried now and remove - as recommended - my PayPal account from Google Pay? A

As a power user of Google Pay in conjunction with PayPal (in Germany) should I be worried now and remove - as recommended - my PayPal account from Google Pay? A lot of people around me also use it the same way as I do and no one heard of any such incident yet. Well, now that I told them, of course everyone heard of it at least ... What are those "multiple reports"? I see the source is golem.de (don't get me started on that one) and "multiple reports" can just mean that less than half a dozen people got busted on their Google accounts for not using proper 2FA in that context. Also the article states that Google Pay provides a virtual credit card when used with PayPal. How? All I saw up until now was virtual debit cards.

jotm 7y ago
> Also the article states that Google Pay provides a virtual credit card when used with PayPal. How? All I saw up until now was virtual debit cards. Naming confusion, I think. To some people (mostly Americans), credit and debit cards are the same thing - just plastic payment cards. Some Europeans think Visa/Mastercard can only be credit cards (they can be either credit or debit). To me, the difference is that credit cards use the bank's/issuer's balance (that you can pay back later, all at once or spread out in smaller monthly payments), while debit cards use your bank account balance directly. I think that's the proper differentiation.
- saystupidthings 7y ago
  You're the first person I've ever met that isnt entirely sure of what the difference is between a credit and debit card.
- thescriptkiddie 7y ago
  For added confusion, credit and debit cards have different processing networks, with the debit networks having much lower fees. And in the US at least, virtually all debit cards can also be processed as credit if the store doesn't accept debit directly (eg online payments). And while in Europe all cards have PINs, in the US only debit cards have PINs, and running then as credit allows you to bypass the PIN requirement.

jotm 7y ago

> Also the article states that Google Pay provides a virtual credit card when used with PayPal. How? All I saw up until now was virtual debit cards. Naming confusion, I think. To some people (mostly Americans), credit and debit cards are the same thing - just plastic payment cards. Some Europeans think Visa/Mastercard can only be credit cards (they can be either credit or debit). To me, the difference is that credit cards use the bank's/issuer's balance (that you can pay back later, all at once or spread out in smaller monthly payments), while debit cards use your bank account balance directly. I think that's the proper differentiation.

saystupidthings 7y ago
You're the first person I've ever met that isnt entirely sure of what the difference is between a credit and debit card.
thescriptkiddie 7y ago
For added confusion, credit and debit cards have different processing networks, with the debit networks having much lower fees. And in the US at least, virtually all debit cards can also be processed as credit if the store doesn't accept debit directly (eg online payments). And while in Europe all cards have PINs, in the US only debit cards have PINs, and running then as credit allows you to bypass the PIN requirement.