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Decathlon Germany adds Wero payment option to decathlon.de website
- janandonly 3mo agoWhy is this news? In the Netherlands the ideal system is already replaced by Wero ? What am I missing.
- dgellow 3mo agoIt’s not about the Netherlands, that’s what you seem to be misunderstanding
- edwinjm 3mo agoThe article is about Europe and the last time I checked, the Netherlands is in Europe.
- dgellow 3mo ago> Decathlon Germany adds Wero payment option to decathlon.de website
- jeroenhd 3mo agoFrom the article: > Decathlon switched on Wero on decathlon.de on July 20, making Germany the first market in the French group’s international footprint to carry the European payment scheme. That's probably the cause for confusion, because the Dutch system has been rebranding itself to Wero for ages and switched over permanently very recently. Decathlon.nl has had Wero for months, though they did it through a different implementation method. Of course, the marketeers prefer to put the focus onto the next-gen system their German counterparts have just implemented.
- alibarber 3mo agoApparently, and I quote from the article (definitely not an LLM): "Decathlon didn’t just add a new payment button to its German checkout page. It handed European banks their first big-box sporting goods test case at a moment when competition in digital payments is intensifying and the push for EU-made payment infrastructure is growing." I've been able to make payments for sporting goods shops here in Finland with a push-payment-local-bank-account flow from the checkout for years, but clearly they weren't European enough.
- NietTim 3mo agoYea was scratching my head why this is news, 90% of dutch webshop for the past 15 years have had ideal (precursor to wero) lol Seems to be a weird marketing article
- jeroenhd 3mo agoThe Wero system isn't just a rebrand of iDeal. It also includes a wallet app and the ability to transfer money between regular people, not just online checkout.
- jeroenhd 3mo agoDutch iDeal|Wero uses incompatible QR codes and a bank selection flow compared to international Wero. The real Wero implementation comes next year. They're trying to ease in Dutch customers to the Wero brand, but in the mean time they're confusing every tourist or immigrant with their wero-but-not-wero system.
- vrganj 3mo agoiDeal is amazing and it's great it's coming to the rest of Europe, even if they gave it a worse name. Here in the Benelux it's the go-to payment option for ecommerce. I think this will be a much bigger threat to Visa and Mastercard than the oft-promised digital Euro.
- patrickmcnamara 3mo agoI don't think the name is that bad. iDeal sounds very dated to me as a native English speaker.
- deleted 3mo ago[deleted]
- vrganj 3mo agoHow would you even pronounce wero as a native English speaker? We - ro? Wer-o? At least iDeal was unambiguous.
- navane 3mo agoI heard the gimmick was euro (you-ro) -- wero (we-ro). Which leaves ayero and dayro.
- anticrymactic 3mo ago> How would you even pronounce wero as a native English speaker? Thankfully, only about 2% of the EU population speaks English natively. [0] https://webgate.ec.europa.eu/ebsm/api/public/deliverable/download?doc=true&deliverableId=92148 https://webgate.ec.europa.eu/ebsm/api/public/deliverable/dow... Page 10
- dgellow 3mo agoI mean, who cares how you pronounce it? Each country will have its own variant, similar to how euro is pronounced differently in different places, and eventually one will become the English status quo
- Malakun 3mo agoIn Spain we can pay using Bizum on many websites, including Amazon.
- retired 3mo agoFor Amazon Spain I use my debit card. Is there an upside to using Bizum?
- QuantumNomad_ 3mo agoIn Norway we have a thing similar to Bizum, called Vipps. I.e. a payment method specialized for sending small person-to-person payments, for example useful when buying something second hand in person from another person, or when splitting a restaurant bill, or paying someone for gas when you rode in their car with them, etc etc. Vipps is also usable as payment method in several online stores here, just like the above mentioned that Bizum can be used for Amazon Spain. I often use Vipps as payment method when it is available in online stores. It’s quick and convenient, and doesn’t involve giving my card details to a third party payment provider. Aside from my Norwegian bank card and the Vipps that is connected to the same bank account, I also have Revolut, which supports disposable single-use virtual cards which is an excellent idea in theory and I’ve used that a few times too, but I have had too many cases of trying to pay with Revolut disposable single-use virtual cards and it not working so that what should’ve been a great way to avoid giving my card details to all kinds of third parties instead becomes a hassle where I first try disposable and it’s not going through and then I have to use my long-term multi-use card details to pay anyway. With Vipps I have not had much trouble. There was a time or two such as for example the other day where I paid for something on Finn (similar to Wallapop in Spain) with Vipps and Finn said there was an error and I tried again and Finn still said it errored. But I just left it like that and it resolved itself. Next day when I logged into Finn again, the purchase had completed and in Vipps one of the two pending attempted payments went through and the other one was reverted as it should, without me having had to reach out to neither Finn nor Vipps myself.
- jabl 3mo agoApparently there is a plan for interoperability between vipps and wero. https://epicompany.eu/media-insights/bancomat-bizum-epi-sibs-and-vipps-mobilepay-sign-mou-to-accelerate-the-rollout-of-sovereign-pan-european-payment-solutions/ https://epicompany.eu/media-insights/bancomat-bizum-epi-sibs...
- jabiko 3mo agoI recently bought something from fahrrad.de and was surprised to see Wero as an payment option. I don't know what I expected, but scanning the QR code and acknowledging the payment in my banking app worked without any issues. The whole process had a very "snappy" feeling without waiting for any of the usual spinners and redirects. So... thumbs up, I guess?
- dinkelberg 3mo agoWero shows that marketing is everything. It's just regular bank transactions with a much larger fee. We could have had EPC QR codes and similar completely free technologies instead.
- fsuts 3mo agoWero’s website says they don’t charge fees So who is charging the fees?
- xlii 3mo agoThey most likely don't charge fees on consumer. Usually the fee is on merchant (and it's few % depending on region regulations etc.) Payment providers such as Wero are doing direct bank transfer, which is usually fee-less, but then they can afford to put a on-merchant fee that's much lower than what credit card companies are charging. Thus the model is win-win-win: Consumer doesn't pay more, Merchant pays less, and Wero gets their share.
- inigyou 3mo agoCard fee in EU is maximum 0.2% for debit and 0.3% for credit. By law. Card companies hated this. They said they'd lose money and have to pull out of the EU entirely if it passed. Turns out, they lied!
- jjice 3mo agoFree for individuals, but paid if you're the business it seems from what I've found? If that's the case, it seems to be the same as a card in the US and I wouldn't be surprised if some businesses try to pass it on like they do with cards. [0] https://www.mollie.com/growth/wero-payment-guide#:~:text=However%2C%20banks%20might,different%20from%20cards. https://www.mollie.com/growth/wero-payment-guide#:~:text=How... [1] https://www.bnpparibasfortis.be/en/public/faq/how-much-does-wero-cost#:~:text=Wero%20is%20a,specific%20fees.%20These https://www.bnpparibasfortis.be/en/public/faq/how-much-does-...
- 3mo ago
- CJefferson 3mo agoThis type of thing (scan QR code) is how basically all payments were done when I was recently in China, via wechat or alipay (either you show your QR code for big shops, or scan their QR code for small shops / vendors. They can just print them out if they want and hang a copy). I found it superior to other systems I've used in basically every way. Particularly for small market stalls -- I scan their QR code, I enter how much I want to send them. They never get my details, I don't have to trust they didn't fat-finger the price. It also makes it amazingly easy to send money to friends, just scan their code and send them their share of dinner.
- rustyhancock 3mo agoIt has massive perks, especially in regions where the transaction fee or exchange fee scams run. (Basically they have a reasonable price showing and when you pay with a credit card you see your banks charges you a huge amount. It can be as simple as in Mexico $ is used for pesos so if the merchant actually charges you USD that's 20x or so rip off). But... This isn't mutually exclusive, why can't I set a price on my smartphone when I pay by contactless? The other benefit is that there QR codes are bank transfers. Which have substantially less recourse and less rights for the consumer. Probably doesn't matter for a $10 sandwich but still significant.
- luke5441 3mo agoI would claim the main cause why it is more complicated is having VAT and KYC/AML requirements. Transactions can be much easier if you ignore the VAT requirement.
- upcoming-sesame 3mo agoTo me NFC is superior. It checks all the boxes you mentioned plus quicker / last steps
- CJefferson 3mo agoI'd much prefer NFC if I could see how much I was paying and had to always confirm it -- I understand this wouldn't have worked with physical cards but I wish it was an option on my phone.
- ChrisArchitect 3mo agoRelated: Lidl Introduces the European Payment Method Wero in Germany https://news.ycombinator.com/item?id=49060205 https://news.ycombinator.com/item?id=49060205
- ChrisArchitect 3mo agoPresse release: https://einblicke.decathlon.de/presse/pressekit/digitale-innovation-im-handel-decathlon-fuhrt-europaische-bezahlmethode-wero-in-deutschland-ein/ https://einblicke.decathlon.de/presse/pressekit/digitale-inn...
- TulliusCicero 3mo agoGod I wish the US had a digital payment system that we could all basically agree on. Having Apple Pay vs Google Pay vs Zelle vs Paypal vs Venmo vs all the others is annoying as hell.
- thibaut_barrere 3mo agoIt is one of these instances where « let the market decide » is not necessarily the best option on the long run.
- fsuts 3mo agoThe market wants to take a cut per transaction, perpetually. At a high profit margin. This is one where not the market but a country/group of countries need to rollout their own public payments so fees are minimal to zero.
- ezst 3mo agoYou mean, communism? (/s but you never know especially these days)
- retired 3mo agoIdeal was a result of free market banking though. > The system was conceived by the Dutch banks ABN Amro, ING Bank, Postbank N.V. and Rabobank, to develop a single system for online payments that could be used by all banks. Currently owned by EPI: > The European Payments Initiative (EPI) is a unified digital payment service launched in 2020 and backed by sixteen founding European banks and payment service providers.
- microtonal 3mo agoBefore iDEAL we had a similar mess with different banks and even a telco pushing their own payment system. It was basically the Dutch webshop foundation (thuiswinkel.org, basically the webshop lobby) that said: f*ck it banks, clean up your mess! And so it happened. They even tried to extend it to other European countries in 2011: https://www.bnnvara.nl/kassa/artikelen/ideal-in-de-ban-van-mobiel-en-buitenland https://www.bnnvara.nl/kassa/artikelen/ideal-in-de-ban-van-m...
- anticrymactic 3mo agoWero is such a valuable asset for Europe and couldn't have come at a better time. It's built on the excellent SEPA system, which standardized bank transfers and "Lastschrift" in Europe. SEPA itself got a huge upgrade last year with mandatory instant transfers that cannot cost more than standard transfers between European checking accounts. Both of those allowed Wero to happen as a final abstract top layer, meaning: the UX of sending money to an email address with the security and convenience of bank transfers. And everything is built collaboratively on top of European banking infrastructure. No account necessary and no private american conglomerates can delete that account. And before some says: "Well, now the government controls everything!": They already did, since... Ever. Now its one less entity with that access and one that can be (hopefully) controlled and changed by a majority.
- retired 3mo agoI frequently run into failed SEPA transfers. At least three per month out of ~200. So it could use some more stability for my use case. In all fairness, I also have a couple of VISA payments that fail every month.
- microtonal 3mo agoNote that Wero is amongs others based on the Dutch iDEAL [1] system, which was introduced 21 years ago. Virtually every Dutch web shop supports iDEAL (and many only support iDEAL) as well as international payment services such as PayPal and Stripe. As a result, the vast majority of transactions of Dutch webshops go through iDEAL. It is really a super-nice frictionless system. iDEAL also supports P2P payments through Tikkie (ABN AMRO) or the payment request option of other banks. You basically show a QR code or send a link and the person paying goes through the iDEAL flow to transfer the money. Tikkie (and the other bank's similar and compatible systems) have been one of the primary methods for P2P transfers for many years now. I am really happy that we are getting the same system across multiple countries now. Contactless payments through Wero are also planned, so that we can finally become independent of Google/Apple Pay for contactless payments using a phone. [1] EPI purchased the Dutch iDEAL and Belgian Payconiq and mentioned on multiple occasions that Wero is based on the foundations of iDEAL. They kept iDEAL running as a separate system in order not to disturb it during the upbringing of Wero, but iDeal is going to migrated to Wero the coming period.
- marginalien 3mo agoIf European retailers manage to link Wero payments to loyalty schemes, then everyone will benefit and this could eventually become something. Still, no thread to legacy credit card rails (Mastercard, Visa) for many years. The industry doesn’t expect hockey stick growth AFAIK
- mkrecny 3mo agoI get that this is a good thing and long overdue - but the excitement here just underscores for me how expectations in Europe for Europe doing anything truly cutting edge are low.
- marginalien 3mo agoI think EU citizens are excited mainly because of winning back their digital sovereignty, nobody said this would be cutting edge technology. Actually the simplicity of the solution is key (Wero is based on EU’s proven SEPA Instant Payment rails). That being said, what I do not like about Wero is that some parts of the infrastructure is based on AWS and or Google cloud; hopefully they will switch to European clouds, soon.
- sajithdilshan 3mo agoI wouldn't count on that, in-order to provide rock solid financial service, you definitely need a reliable cloud provider. There is no true equivalent in EU for a cloud provider like that at the moment
- ekall 3mo agoTo me this is like saying that it is no use trying to prevent your arm from being cut off because if you try you will lose a finger. What use is american cloud reliability if it can't be trusted in with sovereignty the first place?
- sajithdilshan 3mo agoThis sovereignty debate is the dumbest thing I’ve heard, like a country can be sovereign, but Europe is not a country. It’s like saying Asia is going to be so sovereign. We all saw how the unity of Europe with brexit.
- marginalien 3mo agoUpdate: migration to EU cloud is in progress: https://www.heise.de/en/news/Sovereign-payment-service-Wero-still-relies-on-AWS-but-vows-to-improve-11277248.html https://www.heise.de/en/news/Sovereign-payment-service-Wero-...
- tacker2000 3mo agoI always use Paypal because they have buyers protection, and this has already saved me countless of times. Would like to see if this is also offered in the Wero ecosystem?
- BadBadJellyBean 3mo agoIt isn't. WERO is little more than a wrapper around SEPA transactions. They literally tell your bank to make a transaction. They are not a bank themselves so they never see the money or could take it back. That means the only one who might be able to help you is your bank.
- huijzer 3mo ago> competition in digital payments What competition? Here in the Netherlands, iDeal (which is already renamed to Wero) has almost no competition. Perhaps PayPal a few percent
- inigyou 3mo agoVisa MasterCard
- cindyllm 3mo ago[dead]
- dgellow 3mo agoIn Germany PayPal is pretty huge
- _user_account 3mo agoas well as VDSL internet and briefs.
- amelius 3mo agoI'd like the EU to enforce a payment-system agnostic checkout for webshops, which gives me the same payment options everywhere and which also adds a layer of privacy.
- inigyou 3mo agoThat's like, literally impossible? "Hey I just invented ameliuspay, your shop doesn't support it, go directly to jail" The closest you have is SEPA because it's universal on all Euro bank accounts. And many webshops do offer it. It doesn't integrate into credit card workflows because it's a push payment - you have to go to your banking app, type the details and send the money, while the website waits. Some people might have to go to an actual bank.
- amelius 3mo agoIf ameliuspay is properly registered with the EU payment processor platform, then it should automatically appear as an option in the webshop.
- poszlem 3mo agoHacker News moment. Imagine someone over 60 whose career has nothing to do with computers trying to make sense of a list of 45 different payment processors to choose from.
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- iagooar 3mo agoI need to use this thread to mention the Polish payment system Blik. It is one of the most convenient payment systems out there - you generate an ephemeral 6-digit code in your banking app, copy it to the vendor, confirm, done. Works P2P with phone numbers, too. Interestingly, it would be the perfect system for payments using AI agents - the agent tries to pay, asks user to provide 6-digit code, submits payment request. User confirms via banking app. Done.
- xlii 3mo agoThere's an interesting angle to BLIK vs Wero. While I believe QR codes are more convenient it is actually possible to give BLIK over the phone. Which means that youngsters (or fraudsters ;)) have access to their guardians' money over the phone line.
- TeMPOraL 3mo agoQR codes are still less convenient when you're paying using the same mobile device you're using to generate the BLIK codes. Doubly so when the phone is a foldable, so you can keep the bank open in a popup over the browser or app you're buying in.
- ivanjermakov 3mo agoThere is also a Blik feature to pay in one click - merchant remembers your payment and allows making subsequent payment without code, just by confirming transaction via banking app.
- ktosobcy 3mo agoThere are similar payment options across the EU. There is Bizum in Spain which works in similar way (and also offers phone-to-phone transfers). There is EMP association (https://en.wikipedia.org/wiki/European_Mobile_Payment_Systems_Association https://en.wikipedia.org/wiki/European_Mobile_Payment_System...) which both BLIK and Bizum and bunch of others (I'd say majority of Europe) are members of that are already working on integration and Spain and Italy already work. https://www.corporate.sibs.com/europa-the-future-of-payments-is-here/ https://www.corporate.sibs.com/europa-the-future-of-payments... Basically with Wero on decathlon.de the DACH is discoveryng local-digital-payments and are excited about something that the rest of Europe enjoyed for a long while ;)
- throw-the-towel 3mo agoI've also recently seen a Wero option somewhere in Germany. Probably was the transport authority in Berlin, or an air company, I can't quite remember. Haven't seen it in France yet, though.
- sireat 3mo agoDecathlon is pretty neat and technologically advanced actually, so not surprising news for them to adopt Wero. In eastern European stores they use RFID for every product, so you just throw stuff in a bin without scanning and can self check faster than usual self scan. Well I have not tried throwing in a bike in a bin or a dumbbell, but I presume it works for 99% of stuff. Curious what they pay for RFID, last I checked it is about 5-6 cents per item for small quantities.
- microtonal 3mo agoIn eastern European stores they use RFID for every product, so you just throw stuff in a bin without scanning and can self check faster than usual self scan. Yep, same here in West Europe. Well I have not tried throwing in a bike Haha, that would make a great Youtube skit.
- imjonse 3mo agoI thought it was image recognition but RFID makes more sense. However just last week I accidentally 'hacked' it by having two small identical products thrown in the bin and their cardboard boxes fell right next to each other, so the system saw only one. I had to manually move them apart to have both appear on the bill (that is why I suspected image recognition, RFID should be two separate IDs no?)
- viceconsole 3mo agoNot just Eastern European stores, they do it in France (it's a a French company) and India too. First time I saw it was in India, it was very impressive. They also have a lot of vertical integration, they manufacture many of the products they sell.
- subarctic 3mo agoIs there somewhere they don't do this?
- mostly_harmless 3mo agoCan confirm they do this in Canada too. Though I'm not sure they have much of a presence outside of Quebec. It was very cool to try, and very much a "why doesn't everyone do this?" feature. I've never seen it anywhere else.
- sajithdilshan 3mo agoAfter the pandemic, Germany truly picked up cashless payments. But still a long way to go, especially to prevent tax evasion
- jeroenhd 3mo agoI like the Taiwanese approach. Every receipt is a lottery ticket, so people have good reason to demand registered receipts.
- whycome 3mo agoIt sucks that decathlon basically left Canada after a short trial run. I think it really came down to crappy marketing overall.
- ripley12 3mo agoThey are still in lots of cities outside Toronto.
- thinkindie 3mo agoAre you sure? I spoke about decathlon in Canada with a friend of mine living there (Ottawa) and she says it’s there.
- dghlsakjg 3mo agohttps://www.decathlon.ca/en/store-locator https://www.decathlon.ca/en/store-locator There are 16 decathlon locations in 4 provinces. They also have an online store. The Toronto suburbs stores closed. They by no means "basically left Canada". They just left the GTA. Much to the surprise of many in Ontario, there are quite a few places outside of that province that can be considered Canada.
- davidw 3mo agoThey seem to have tried and given up in the US as well outside of an online presence. It's a pity, as they make 'ok' gear at good prices. It's perfect for if you're getting into a sport, or know you're going to use it only casually and don't want to spend a lot on high-end gear, but want to avoid getting something that's completely cheap junk.
- cubefox 3mo agoCredit card companies and services like PayPal extract large amount of wealth, mostly to provide a service (instant payment) for which they are no longer technically necessary. New systems like Wero (or similar ones already widely established in India or Brazil) are based on instant bank transfers rather than a credit card company that acts as a middle man.
- roysting 3mo agoWhy do Germans corrupt their own language with that weird pig-German? On the German Wero site[1], the copy not only uses utterly gratuitous and even made up fake English words where there are perfectly adequate German words, e.g., "senden", hero, support, business, etc.; but the worst part is that they mess up or maybe can't even realize anymore that the German word for hero in "Der absolute Hero für dein Geld!" could have produced a far superior phrase through a rhyme, i.e., "Der absolute Held für dein Geld!". It's nonsensical to use "hero". Why would you use "hero"? What are you doing, Germans? "Senden" is not a word. You just made that up! Or should I say "you just hooberdoobered it" since we are just making up gibberish words? We don't say "senden"... why are you saying "senden"?? It's like a traumatized child making up a gibberish language to live in a fantasy world. It's not healthy. It's also really rather discriminatory towards older people who may not know this weird hipster pig-german made up gibberish. For context for Americans or other actual English speakers, imagine if an American spoke like this: "Come on, Niemcy, use your own słowa. You are worth it. Leave other ludzie's words for them to use. Have some szacunek. It's kind of żałosne actually. Get it together już." It's Polish, btw. Does that convey the level of cringe? It's weird! [1] https://wero-wallet.eu/de/uber https://wero-wallet.eu/de/uber,
- mimischi 3mo agoYou are in for a ride with Denglish [1], but also “senden“ is a real word [2] — it is unclear to me from your rant if you’re trying to speak from a position of authority or are just venting for no obvious reason. [1] https://en.wikipedia.org/wiki/Denglisch https://en.wikipedia.org/wiki/Denglisch [2] https://en.wiktionary.org/wiki/senden https://en.wiktionary.org/wiki/senden
- roysting 3mo ago[flagged]
- raverbashing 3mo ago> It's nonsensical to use "hero". Why would you use "hero"? Because it rhymes with Wero (or with Vero) And "senden" is absolutely a word, duh
- HiPhish 3mo agoIsn't Wero just another proprietary app that requires a Google or Apple smartphone? Can I use it from my web browser like I can with PayPal?
- mimischi 3mo agoThe article headline screams Claude to me, is that just me? I am as bullish as can be on AI usage, but I’m either hallucinating myself or this is the classic AI “not this, but that” phrase that I keep reading all day. > Decathlon didn’t just add a new payment button to its German checkout page. It handed European banks their first big-box sporting goods test case at a moment when competition in digital payments is intensifying and the push for EU-made payment infrastructure is growing.
- bonoboTP 3mo agoYes, I also felt that. FWIW Pangram says "moderately AI-assisted".
- vmaurin 3mo ago> The Wero app can be installed on any mobile device or tablet running iOS 17.4 or later, or Android 9 or later. We recommend updating your device to the latest version of its operating system for maximum performance and security. > It is not possible to send Wero payments to friends & family via a web browser or on a computer Truly independent from US companies ... If you don't have an iOS or an Android device, you are just stuck, once again
- edwinjm 3mo agoYou can use your PC
- yonatan8070 3mo agoCan you elaborate?
- bluebarbet 3mo agoIt is very clear than you cannot. Yet.
- Pooge 3mo ago> > It is not possible to send Wero payments to friends & family via a web browser or on a computer Wow, that's a deal breaker for me. I don't need yet another service that's only accessible to a dumbed down device. Here I was hoping that it'd become available in my country as well...
- Barrin92 3mo agothe barrier to spinning up an alternative European Android operating system given that it's open source is not that high, see China, and my money would be on that happening within the next few years.
- bornfreddy 3mo agoOne step at a time. Until then, you can use Murena or GrapheneOS.
- 3mo ago
- _user_account 3mo agosuch a slow roll-out, Brazil implementation of Pix was ridiculously faster.
- pell 3mo agoMost EU countries have had some sort of payment standard and use different kinds of setups so it’s not as easy as doing it in one jurisdiction. Also the EU generally is quite conservative and slow.
- guess_who_is 3mo agoEuropeans are anti American nowadays.
- bornfreddy 3mo agoWell no. We were just reminded (pretty directly and rudely, I might add) that USA is not always on our side. Nothing wrong with being independent and able to stand on our own feet. Which in turn will benefit USA too, assuming we stay allies.
- guess_who_is 3mo ago[dead]
- maelito 3mo agoCan we start to accept Wero as a Web marchant ? Looks like the PSP don't really lower the fees of Wero transactions right now.
- twothreeone 3mo agoWow, very cool "The European way to pay online." - so surely they are on f-droid or have an apk download like Signal with build signatures published on their website! Oh, no - they require you to have a Google account and Play Store on your mobile device. Well, false advertising again. Disappointing, but why am I not surprised. Thank you, but no.
- throw1234567891 3mo agoCool, more possibilities to pay for that cheap plastic from China they sell.
- netsharc 3mo agoHah, when you can smell the slop right at the first sentence...
- Markoff 3mo agoWhy do you need 3rd party app and middle man to show you QR code for instant SEPA payment? All Decathlon had to do was show QR code with payment details which you will scan with ANY APP you prefer to use (most likely your bank app you have already or if not like me, you can use other ways). This doesn't seem like progress at all, quite the opposite, just force all the shops show you QR code for SEPA payment without this 3rd party nonsense and pay with whatever (bank) app you prefer based on payment details in QR code. This is supported by ANY OS, heck for what's worth you can scan code with QR reader in browser and use online banking in desktop mode to pay with whatever phone you use. Replacing US Visa and Mastercard companies with US Google and Apple companies doesn't seem like any improvement at all to me, it's actually worse since it is easier to get/use bank card than phone for small kids/seniors.
- gield 3mo ago>Decathlon switched on Wero on decathlon.de on July 20, making Germany the first market in the French group’s international footprint to carry the European payment scheme. This is not true, it has been available on the Belgian website (decathlon.be) for months.
- tancop 3mo agothis is good as a short term solution but it should really be a new system without commercial banks or any other for profit entity. if you give up sepa compatibility you can have things like payments to alias with real name invisible to other party, offline qr codes, randomized per vendor account ids that cant be used to identify you. could even make account data end to end encrypted making it so police cant read it directly and need to show you a court order (but then you get problems with key recovery). the ultimate play is replacing accounts in privately owned banks with one public system for money storage and transfers. you would only need a bank to borrow or invest and if its bankrupt you cant lose the rest of your money. of course this is equivalent to a cbdc so we would need to legally protect cash and crypto (including privacy coins) to prevent abuse from governments.