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I'm sure the business side has its problems, but as a consumer, I far prefer Stripe over PayPal. I've never had a payments problem with Stripe, while PayPal is

I'm sure the business side has its problems, but as a consumer, I far prefer Stripe over PayPal. I've never had a payments problem with Stripe, while PayPal is consistently painful. I have a credit card issued by a bank in country X, but my home address both in reality and in bank X's records is in country Y. This seems to consistently trigger that fabled PayPal fraud protection the article mentions, making it impossible to enter my information correctly. After lots of poking about in the dark, I eventually figured out that the only way to make PayPal payments through this card is to set my country as "X" and enter a completely fictitious address in X with a separate delivery address in Y, after which the transaction sails through happily.

lucb1e 4y ago
I tried to pay with Stripe only once and it didn't let me. Can't live in Germany and provide a Dutch bank account. Should not make any difference within the Single Euro Payment Area. Sorry, DeepL, then I will have to continue to use the free version, I'm not missing any features anyway, I just wanted to pay for my use... (I also let support know but they didn't care of course.) PayPal required for a few years that I use a VPN for being allowed to log in. All the support could do for me was offer to close my Dutch account so that I could open a German account to use here. I hear that others have no problems using PayPal while on holiday abroad, so not sure what's up with that. Sometimes it also throws javascript errors and gets stuck on some loading icon. Plus all the horror stories about paypal. The things that always worked effortlessly for me were iDeal (collaboration of Dutch banks for online payments), regular bank transfers (always free in the SEPA zone, but takes 0-4 days depending on bank holidays and servers that take a weekend off), and direct debit (provide your name, address, and IBAN, such as at Liberapay, and everything will be arranged automatically). Basically, the European stuff simply works, not sure why.
dubcanada 4y ago
I've had problems with both, but at this very moment more problems with Stripe then PayPal. At least with PayPal if I sign up for a $10 a month plan I can go into PayPal via the very very difficult to find recurring transaction area and cancel said transaction. I cannot do that on Stripe. I strongly feel that I should be able to cancel ANY monthly transaction without having to go through the hoops and juggling act that is attempting to get the merchant to cancel said transaction. If I want to cancel a subscription why do I have to convince someone else to do it. Just let me cancel my stupid monthly subscription since everyone wants to do them.
- tyre 4y ago
  To make sure I understand, you (as a consumer) would like a way to log in to Stripe and see all of your payments and subscriptions connected to businesses that are using Stripe? Then cancel recurring subscriptions there? If you use Apple’s App Store, similar to how they let you view/manage all subscriptions on one place? (I build things at Stripe, in a space that’s relevant to this use case.)
  - plugin-baby 4y ago
    Not the OP, but I’m surprised this is not already possible - seems like a basic, consumer-friendly feature, and might also reduce chargebacks.
    - tyre 4y ago
      There is a place to look up charges, though I haven’t used it myself: https://support.stripe.com/charge-lookup https://support.stripe.com/charge-lookup For general context, Stripe started as completely opaque from consumers. We’re growing in that direction, but the start was business uses.
  - dubcanada 4y ago
    That would be useful, but even just being able to enter my credit card details in the form that can do transaction lookups and cancelling that way.
  - ValentineC 4y ago
    This feature would be fabulous. The hackerspace I'm involved in currently has to use Open Collective [1][2] (alongside PayPal) to do so, but there's a ton of onboarding friction: [1] https://docs.hackerspace.sg/handbook/payment#cards https://docs.hackerspace.sg/handbook/payment#cards [2] https://opencollective.com/hackerspacesg https://opencollective.com/hackerspacesg
mrweasel 4y ago
As a customer: I don't not care to know who you use for payments, I will NEVER interact with them. Some have pointed out that they had been running in circle between Stripe and AMEX. Maybe AMEX is special I don't know. If there's a problem with my payment and the company responsible for the charge isn't reacting, then it's my banks problem, not mine. For legitimt companies, if there's any issue with my payment, I don't care how, you can't blame Stripe, as I have no business with them, you go deal with Stripe if they are the issue. Overall I think many have falsely viewed Stripe as some final solution to payments. Mostly I think because they where easy to create an account with. Even before Stripe it wasn't actually difficult sign up with a payment provider and most of them where better and easier to interact with, even if their APIs where worse.

lucb1e 4y ago

I tried to pay with Stripe only once and it didn't let me. Can't live in Germany and provide a Dutch bank account. Should not make any difference within the Single Euro Payment Area. Sorry, DeepL, then I will have to continue to use the free version, I'm not missing any features anyway, I just wanted to pay for my use... (I also let support know but they didn't care of course.) PayPal required for a few years that I use a VPN for being allowed to log in. All the support could do for me was offer to close my Dutch account so that I could open a German account to use here. I hear that others have no problems using PayPal while on holiday abroad, so not sure what's up with that. Sometimes it also throws javascript errors and gets stuck on some loading icon. Plus all the horror stories about paypal. The things that always worked effortlessly for me were iDeal (collaboration of Dutch banks for online payments), regular bank transfers (always free in the SEPA zone, but takes 0-4 days depending on bank holidays and servers that take a weekend off), and direct debit (provide your name, address, and IBAN, such as at Liberapay, and everything will be arranged automatically). Basically, the European stuff simply works, not sure why.

dubcanada 4y ago

I've had problems with both, but at this very moment more problems with Stripe then PayPal. At least with PayPal if I sign up for a $10 a month plan I can go into PayPal via the very very difficult to find recurring transaction area and cancel said transaction. I cannot do that on Stripe. I strongly feel that I should be able to cancel ANY monthly transaction without having to go through the hoops and juggling act that is attempting to get the merchant to cancel said transaction. If I want to cancel a subscription why do I have to convince someone else to do it. Just let me cancel my stupid monthly subscription since everyone wants to do them.

tyre 4y ago
To make sure I understand, you (as a consumer) would like a way to log in to Stripe and see all of your payments and subscriptions connected to businesses that are using Stripe? Then cancel recurring subscriptions there? If you use Apple’s App Store, similar to how they let you view/manage all subscriptions on one place? (I build things at Stripe, in a space that’s relevant to this use case.)
- plugin-baby 4y ago
  Not the OP, but I’m surprised this is not already possible - seems like a basic, consumer-friendly feature, and might also reduce chargebacks.
  - tyre 4y ago
    There is a place to look up charges, though I haven’t used it myself: https://support.stripe.com/charge-lookup https://support.stripe.com/charge-lookup For general context, Stripe started as completely opaque from consumers. We’re growing in that direction, but the start was business uses.
- dubcanada 4y ago
  That would be useful, but even just being able to enter my credit card details in the form that can do transaction lookups and cancelling that way.
- ValentineC 4y ago
  This feature would be fabulous. The hackerspace I'm involved in currently has to use Open Collective [1][2] (alongside PayPal) to do so, but there's a ton of onboarding friction: [1] https://docs.hackerspace.sg/handbook/payment#cards https://docs.hackerspace.sg/handbook/payment#cards [2] https://opencollective.com/hackerspacesg https://opencollective.com/hackerspacesg

mrweasel 4y ago

As a customer: I don't not care to know who you use for payments, I will NEVER interact with them. Some have pointed out that they had been running in circle between Stripe and AMEX. Maybe AMEX is special I don't know. If there's a problem with my payment and the company responsible for the charge isn't reacting, then it's my banks problem, not mine. For legitimt companies, if there's any issue with my payment, I don't care how, you can't blame Stripe, as I have no business with them, you go deal with Stripe if they are the issue. Overall I think many have falsely viewed Stripe as some final solution to payments. Mostly I think because they where easy to create an account with. Even before Stripe it wasn't actually difficult sign up with a payment provider and most of them where better and easier to interact with, even if their APIs where worse.