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PayPal and Apple pay take a significant cut of the transaction. CC is a lot less and bank is mostly free of TX fees. Most users don't know/don't care, so given

PayPal and Apple pay take a significant cut of the transaction. CC is a lot less and bank is mostly free of TX fees. Most users don't know/don't care, so given the option, they will likely take it and funnel their donations to conglomerates.

jve 1y ago
I don't like to input Cc details into random sites whose main business is processing said transactions.
- linsomniac 1y ago
  Maybe you'd like one of the banks that provides you with limited-use or one-time credit cards? I've been using one called Envelope Budgeting for the last few months after my previous one shut down. It's $40/year, but that's waived if you spend more than $5,000 USD in card purchases. I put the Neal.fun on my "Misc" card that I keep at $0 balance and transfer money to when I buy something. I believe there are other services that will also give you virtual cards, I'm not familiar with them off hand. https://envelopebudgeting.com/ https://envelopebudgeting.com/
  - pie_flavor 1y ago
    I use https://privacy.com https://privacy.com for this, you can create virtual cards with total spend limits or spend rate limits.
- dmd 1y ago
  I'm not understanding this sentiment at all. You'd rather input your CC details into a site whose main business isn't dealing safely with credit cards - rather than inputting it into Stripe (which is what his site uses), whose entire raison d'etre is doing so?
  - jve 1y ago
    Sorry, I got the expression wrong. You must inverse the logic :)
mbirth 1y ago
But xx% of some amount is still better than 100% of $0. And the pure convenience of using PayPal, Apple Pay or things like Ko-Fi will probably result in more net donations.
blueg3 1y ago
PayPal doesn't cost significantly more than what a small online place can get from other payment processors. It's something like 3% + $0.50. That's also not much more than what a small business can usually get for in person credit cards. This site does use buymeacoffee.com, which appears to be a dedicated payment platform. Its transaction fee is apparently 5%, which is steeper, but better for these small donations because of the lack of a fixed fee.
sharkjacobs 1y ago
> Apple Pay take a significant cut of the transaction I don't think this is true > Apple Pay does not cause additional fees for users and merchants.[1] [1]https://en.wikipedia.org/wiki/Apple_Pay#Cost https://en.wikipedia.org/wiki/Apple_Pay#Cost

jve 1y ago

I don't like to input Cc details into random sites whose main business is processing said transactions.

linsomniac 1y ago
Maybe you'd like one of the banks that provides you with limited-use or one-time credit cards? I've been using one called Envelope Budgeting for the last few months after my previous one shut down. It's $40/year, but that's waived if you spend more than $5,000 USD in card purchases. I put the Neal.fun on my "Misc" card that I keep at $0 balance and transfer money to when I buy something. I believe there are other services that will also give you virtual cards, I'm not familiar with them off hand. https://envelopebudgeting.com/ https://envelopebudgeting.com/
- pie_flavor 1y ago
  I use https://privacy.com https://privacy.com for this, you can create virtual cards with total spend limits or spend rate limits.
dmd 1y ago
I'm not understanding this sentiment at all. You'd rather input your CC details into a site whose main business isn't dealing safely with credit cards - rather than inputting it into Stripe (which is what his site uses), whose entire raison d'etre is doing so?
- jve 1y ago
  Sorry, I got the expression wrong. You must inverse the logic :)

mbirth 1y ago

But xx% of some amount is still better than 100% of $0. And the pure convenience of using PayPal, Apple Pay or things like Ko-Fi will probably result in more net donations.

blueg3 1y ago

PayPal doesn't cost significantly more than what a small online place can get from other payment processors. It's something like 3% + $0.50. That's also not much more than what a small business can usually get for in person credit cards. This site does use buymeacoffee.com, which appears to be a dedicated payment platform. Its transaction fee is apparently 5%, which is steeper, but better for these small donations because of the lack of a fixed fee.

sharkjacobs 1y ago

> Apple Pay take a significant cut of the transaction I don't think this is true > Apple Pay does not cause additional fees for users and merchants.[1] [1]https://en.wikipedia.org/wiki/Apple_Pay#Cost https://en.wikipedia.org/wiki/Apple_Pay#Cost