4 ms·

Not sure what your sector is but how is Paypal easier than paddle, stripe, chargebee, etc? Actually, how do people buy stuff in Germany? I'm in the Netherlands

Not sure what your sector is but how is Paypal easier than paddle, stripe, chargebee, etc? Actually, how do people buy stuff in Germany? I'm in the Netherlands and everything uses iDeal, which was annoying at first but now I like it. I use a credit card otherwise. When I was in Ireland I used a debit card which functioned like a credit card.

aeyes 3y ago
They are probably selling on eBay where it is (or used to be) very tightly integrated. In Germany eBay used to be very popular and that's how PayPal got so popular, it is one of PayPal's most established markets.
- gndk 3y ago
  No, not selling on eBay, only through our own website. But you are probably right about eBay being the the reason for PayPal's popularity here.
jabiko 3y ago
> Actually, how do people buy stuff in Germany? Most of the options I observed are either PayPal, direct debit, Giropay, collect on delivery or credit card. I absolutely prefer direct debit. Just enter your name and IBAN and you are done. No 3rd party websites, no fuzz.
- gndk 3y ago
  Direct debit would be great if the UX would be better. There are PSPs that make it easier for merchants (GoCardless), but entering the long IBAN is the crucial point. It would be great if there was a popular app/feature so you could save your IBAN in your phone/browser and just fill it in with one tap. That would skyrocket adoption and let merchants move away from expensive payment service providers.
mcv 3y ago
iDeal is how all online payment should work in my opinion. The merchant only needs to know to which bank they should redirect you, and that's all. Your data and your money as as safe as your own bank is able to make them. The only downside is that it's only for Dutch consumers, and therefore international support is very spotty (Steam supports it, Lego does not). This weekend I heard a rumour that they might be making it international, though. That would be really nice.
- CalRobert 3y ago
  As much as I like iDeal, I was annoyed when I first moved here since I came from an EU country with SEPA payments but it was really hard to buy stuff from lots of different websites. I also wonder if it keeps the barrier to entry high for new banks, etc - I would love it if I could pay for things using my wise.com account via iDeal, but I cannot.
  - mcv 3y ago
    I have no idea how that works, but in order to become a universal payment system, it should definitely be easy to add new banks. I think it started out as an agreement between the Dutch banks, but new banks have been added since then. The biggest problem to making it work for all banks is that at the moment, you need to select your bank from a list. That list is going to get enormous. The browser should probably remember your bank for you.
gndk 3y ago
Its just very convenient due to being basically a one-click payment. I think the big difference in Germany is that people here tend to have their bank account linked with PayPal, not their credit card (because many people in Germany don't even have one). Compare that to entering your "up to 34 alphanumeric characters" IBAN bank account number manually while on your phone.

aeyes 3y ago

They are probably selling on eBay where it is (or used to be) very tightly integrated. In Germany eBay used to be very popular and that's how PayPal got so popular, it is one of PayPal's most established markets.

gndk 3y ago
No, not selling on eBay, only through our own website. But you are probably right about eBay being the the reason for PayPal's popularity here.

jabiko 3y ago

> Actually, how do people buy stuff in Germany? Most of the options I observed are either PayPal, direct debit, Giropay, collect on delivery or credit card. I absolutely prefer direct debit. Just enter your name and IBAN and you are done. No 3rd party websites, no fuzz.

gndk 3y ago
Direct debit would be great if the UX would be better. There are PSPs that make it easier for merchants (GoCardless), but entering the long IBAN is the crucial point. It would be great if there was a popular app/feature so you could save your IBAN in your phone/browser and just fill it in with one tap. That would skyrocket adoption and let merchants move away from expensive payment service providers.

mcv 3y ago

iDeal is how all online payment should work in my opinion. The merchant only needs to know to which bank they should redirect you, and that's all. Your data and your money as as safe as your own bank is able to make them. The only downside is that it's only for Dutch consumers, and therefore international support is very spotty (Steam supports it, Lego does not). This weekend I heard a rumour that they might be making it international, though. That would be really nice.

CalRobert 3y ago
As much as I like iDeal, I was annoyed when I first moved here since I came from an EU country with SEPA payments but it was really hard to buy stuff from lots of different websites. I also wonder if it keeps the barrier to entry high for new banks, etc - I would love it if I could pay for things using my wise.com account via iDeal, but I cannot.
- mcv 3y ago
  I have no idea how that works, but in order to become a universal payment system, it should definitely be easy to add new banks. I think it started out as an agreement between the Dutch banks, but new banks have been added since then. The biggest problem to making it work for all banks is that at the moment, you need to select your bank from a list. That list is going to get enormous. The browser should probably remember your bank for you.

gndk 3y ago

Its just very convenient due to being basically a one-click payment. I think the big difference in Germany is that people here tend to have their bank account linked with PayPal, not their credit card (because many people in Germany don't even have one). Compare that to entering your "up to 34 alphanumeric characters" IBAN bank account number manually while on your phone.