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Are people still using Pay Pal? They were never good when I did the slightest bit of business with them before and in fact they were so bad I decided never to u

Are people still using Pay Pal? They were never good when I did the slightest bit of business with them before and in fact they were so bad I decided never to use them again. Today I pay with Apple Pay, Venmo, Zelle, or God forbid one of the credit cards in my wallet. Are merchant accounts so otherwise difficult to get ( Global Payments was dead easy ) that people are still resorting to Pay Pal only? Can someone help me understand how Pay Pay is even still relevant? Ive been living without them for ... a decade? Maybe more? I'm fine over here.

b0afc375b5 4y ago
I've never thought of paypal in the last 5 years, until I had to use it recentrly for sdf.org.
frizkie 4y ago
Venmo is owned by PayPal. PayPal is still the de-facto payment processor for online transactions where buyer/seller protections are desired/required.
jjulius 4y ago
>Today I pay with... Venmo... >Ive been living without [PayPal] for ... a decade? Maybe more? Heh, no you haven't, they own Venmo. >Can someone help me understand how Pay Pay is even still relevant? Because they're popular, and you're still their customer.
dangrossman 4y ago
Shopify pays out my app store sales via PayPal every two weeks. I see vendors at local farmer's markets / craft shows / etc using PayPal's card reader to take credit cards in person. Those that use a different brand of reader often still accept Venmo for payment, which is owned by PayPal. I occasionally still use PayPal to pay if I'm shopping at a site I don't know if I should trust.
0x38B 4y ago
A lot of sellers (especially small sites) use them. I just bought a knitting pattern and the only option was PayPal. I only use them when I have to; I recently had some money waiting for me. When I tapped “accept the money”, PayPal wanted me to sign up for a crypto account with them (!). Later I noticed that there are two identical “accept money” dialogs. The one to send the money to my bank account was down the page, out of sight. I wonder how many have been suckered into signing up for a crypto account with PayPal because of this?
xeromal 4y ago
I use paypal on sites that I'm kind of suspect giving my CC to and that actually happens quite a bit.
lovelearning 4y ago
I live outside NA/Europe. Here's how I use, and often have no choice but to use, PayPal: 1] As of Oct '22, PayPal's the only gateway that enables me to pay for Hetzner hosting and Medium. On paper, both support credit cards and they worked fine till '21. But some bureaucratic craziness over banking and data sovereignty rules here really messed up credit card and recurring payments. Now they work with some gateways but not with others. I can't use my CC directly with Hetzner but I can use that same credit card through PayPal. 2] I subscribe to some newsletters published by people living in N. America. PayPal's the only option they provide. 3] I sometimes write or code freelance for US clients. PayPal's the only way to get payments from most of them. Some even have policies that say don't write for us if you can't receive PayPal payments in your country. My impression of the global payments ecosystem is that it's a precarious system held up by bubble gum and shoe strings. There's no transparency, too much bureaucracy, and often no customer support. It always feels like I'm just one step away from being totally excluded from the world and my livelihood and hobbies cut short overnight. Considering the images of its founders, it's ironic that the much-hated PayPal has been the only one that's worked consistently over 2 decades and made efforts to remain inclusive. They even stuck through some unfair regulatory bullying a few years ago when it seemed like they may permanently exit my country. I know from discussions that people in other countries in the global South have it much worse. Probably, many are already excluded completely. I don't see the ecosystem as a whole doing anything to be more inclusive. If people in the payment ecosystem are laughing at PayPal, you should probably know that I think all of you are even worse.
PaulDavisThe1st 4y ago
PayPal covers countries not touched by the list you gave, or by almost any payment system. Venmo is 100% owned by PayPal.

b0afc375b5 4y ago

I've never thought of paypal in the last 5 years, until I had to use it recentrly for sdf.org.

frizkie 4y ago

Venmo is owned by PayPal. PayPal is still the de-facto payment processor for online transactions where buyer/seller protections are desired/required.

jjulius 4y ago

>Today I pay with... Venmo... >Ive been living without [PayPal] for ... a decade? Maybe more? Heh, no you haven't, they own Venmo. >Can someone help me understand how Pay Pay is even still relevant? Because they're popular, and you're still their customer.

dangrossman 4y ago

Shopify pays out my app store sales via PayPal every two weeks. I see vendors at local farmer's markets / craft shows / etc using PayPal's card reader to take credit cards in person. Those that use a different brand of reader often still accept Venmo for payment, which is owned by PayPal. I occasionally still use PayPal to pay if I'm shopping at a site I don't know if I should trust.

0x38B 4y ago

A lot of sellers (especially small sites) use them. I just bought a knitting pattern and the only option was PayPal. I only use them when I have to; I recently had some money waiting for me. When I tapped “accept the money”, PayPal wanted me to sign up for a crypto account with them (!). Later I noticed that there are two identical “accept money” dialogs. The one to send the money to my bank account was down the page, out of sight. I wonder how many have been suckered into signing up for a crypto account with PayPal because of this?

xeromal 4y ago

I use paypal on sites that I'm kind of suspect giving my CC to and that actually happens quite a bit.

lovelearning 4y ago

I live outside NA/Europe. Here's how I use, and often have no choice but to use, PayPal: 1] As of Oct '22, PayPal's the only gateway that enables me to pay for Hetzner hosting and Medium. On paper, both support credit cards and they worked fine till '21. But some bureaucratic craziness over banking and data sovereignty rules here really messed up credit card and recurring payments. Now they work with some gateways but not with others. I can't use my CC directly with Hetzner but I can use that same credit card through PayPal. 2] I subscribe to some newsletters published by people living in N. America. PayPal's the only option they provide. 3] I sometimes write or code freelance for US clients. PayPal's the only way to get payments from most of them. Some even have policies that say don't write for us if you can't receive PayPal payments in your country. My impression of the global payments ecosystem is that it's a precarious system held up by bubble gum and shoe strings. There's no transparency, too much bureaucracy, and often no customer support. It always feels like I'm just one step away from being totally excluded from the world and my livelihood and hobbies cut short overnight. Considering the images of its founders, it's ironic that the much-hated PayPal has been the only one that's worked consistently over 2 decades and made efforts to remain inclusive. They even stuck through some unfair regulatory bullying a few years ago when it seemed like they may permanently exit my country. I know from discussions that people in other countries in the global South have it much worse. Probably, many are already excluded completely. I don't see the ecosystem as a whole doing anything to be more inclusive. If people in the payment ecosystem are laughing at PayPal, you should probably know that I think all of you are even worse.

PaulDavisThe1st 4y ago

PayPal covers countries not touched by the list you gave, or by almost any payment system. Venmo is 100% owned by PayPal.