Suggestions for a replacement for PayPal
from wolfiedafloof@lemmy.world to privacy@lemmy.ml on 24 Dec 10:19
https://lemmy.world/post/40636142

I have never liked PayPal and I am still forced to use them. Did you knew the longest password you can use us 20 characters?

(I’m located within the European Union) Anyhow, I want something more private, but still quite convenient to use and have something in between my bank details and the site I’m shopping on. Years some companies make virtual temporary cards.

I remember I tried getting privacy.com back in the day but couldn’t as it was for Americans and Canadians at the time.

Suggestions? :P

#privacy

threaded - newest

M33@piefed.world on 24 Dec 11:09 next collapse

Didn’t paypal has password + MFA already ?

rozodru@pie.andmc.ca on 24 Dec 13:33 collapse

easily bypassed though. literally just refresh your browser a few times and it’ll stop asking you for 2FA.

M33@piefed.world on 24 Dec 13:41 collapse

Really ? wow…. another wonderful exemple of “Security is our #Last priority”.

unknowing8343@discuss.tchncs.de on 24 Dec 11:16 next collapse

Unless the digital Euro or GNU Taler really become the norm… You are totally stuck with multibillion corps controlling every single digital cent of yours.

RealisticBroccoli@piefed.social on 24 Dec 11:44 next collapse

wero could replace PayPal if they don’t mess up… shops just need to adopt it next year.

RheumatoidArthritis@mander.xyz on 24 Dec 14:32 next collapse

I think revolut does what you described but I can’t recommend them, I helped someone regain access to their Revolut account and it was an absolute nightmare, with no live reps to contact, spanning multiple months, and his face was photographed at all possible angles many times in the process.

lorski@sopuli.xyz on 24 Dec 16:31 collapse

Good to know

bridgeenjoyer@sh.itjust.works on 24 Dec 16:11 next collapse

Its not better but you could just use your credit card every time instead. PayPal is easier but your card has likely has better theft insurance than PayPal.

I dont enjoy that evil Peter T and fElon founded PayPal. I should really stop using it.

ScoffingLizard@lemmy.dbzer0.com on 24 Dec 16:14 next collapse

Yes. Every little bit helps.

Kirk@startrek.website on 24 Dec 17:24 collapse

Privacy.com is easy, too.

ohshit604@sh.itjust.works on 24 Dec 18:41 next collapse

Privacy.com is for Americans only.

swelter_spark@reddthat.com on 24 Dec 22:45 collapse

They ask for way too much personal info, IMO.

artyom@piefed.social on 24 Dec 20:26 next collapse

Depends on what type of transaction you’re talking about. A lot of sites accept PayPal exclusively. You can use your CC but it’s processed by PayPal. You can use Stripe sometimes, although I’m not sure how much better they are. Use your CC directly if you can. Use crypto. Etc.

shortwavesurfer@lemmy.zip on 24 Dec 22:18 next collapse

Monero is the absolute best privacy you’re going to get for online payments, although it’s not accepted in a lot of places.

wolfiedafloof@lemmy.world on 24 Dec 23:22 next collapse

I knew about this. I simply wanted something that already is accepted in most places, but also isn’t PayPal but can still create virtual cards for payment. Even if they were to be leaked, no harm done because they’re virtual and probably only had the exact amount of money it needed to complete a purchase (once). So it has 0 at the time of a leak or is probably removed.

porous_grey_matter@lemmy.ml on 25 Dec 01:58 next collapse

Many online banks and money services can do this. I have an account with one whose main purpose is transferring money to my home country to pay my student loans and for money while traveling, but they also offer these digital visa cards. Wouldn’t consider it “private” in any serious way but it’s probably less bad than paypal.

qwerty@discuss.tchncs.de on 25 Dec 17:23 collapse

If the place you want to spend at offers gift cards there’s a 99% chance you can buy them with monero. You can also buy prepaid Visa/MasterCard debit cards but they’ll only work at places that don’t require 3D secure. Have a look at cakepay.com

lucullus@discuss.tchncs.de on 25 Dec 23:47 collapse

And not traded against fiat in many places due to regulation

shortwavesurfer@lemmy.zip on 27 Dec 00:07 collapse

Thank God there’s decentralized exchanges where you can exchange Monero for fiat if it’s necessary.

DieserTypMatthias@lemmy.ml on 25 Dec 12:29 next collapse

Every neobank (and some traditional banks) allow you to generate proxy cards. Revolut (even though its global HQ isn’t in the EU) allows you to do that. Same with N26 (German neobank).

rtfm@lemmy.ml on 25 Dec 13:50 next collapse

Just be aware that n26 was put under strict surveillance by Bafin (Federal Financial Supervisory Authority for Germany). I only have a German source though: golem.de/…/onlinebank-bafin-ordnet-aufpasser-fuer…

Luffy879@lemmy.ml on 25 Dec 17:34 collapse

Ah yes

Because they are more private… You know, the banks that dont let you use GrapheneOS.

utjebe@reddthat.com on 25 Dec 20:15 next collapse

All my banking apps work on GOS. Flawlessly, well, except N26 which a bit unstable and crashes quite a lot. Nevertheless it works enough to be usable.

DieserTypMatthias@lemmy.ml on 25 Dec 23:06 collapse

Revolut works perfectly.

quantumharsh@sh.itjust.works on 25 Dec 12:49 next collapse

Monero/XMR

pineapple@lemmy.ml on 25 Dec 13:25 collapse

There are so few places that actually accept it. How could it be worthwhile?

Luffy879@lemmy.ml on 25 Dec 17:35 next collapse

Theres this beautiful german word for it:

Lastschrift (Direct Bank transfer)

ulterno@programming.dev on 26 Dec 19:25 collapse

Doesn’t that have its own set of problems internationally?
High exchange rates/fees, delays and such?

NarrativeBear@lemmy.world on 25 Dec 17:42 next collapse

Wise is a option as well. They provide a virtual credit card so you can use it online, though you only get one virtual card at a time.

It does require ID and information as its close to being a bank

ulterno@programming.dev on 26 Dec 19:22 collapse

Does it allow receiving from others?
Hopefully others don’t require making a Wise account.

freedickpics@lemmy.ml on 25 Dec 23:57 next collapse

What are you wanting to use it for? I use prepaid cards for most shopping online and just enter fake details if it’s a digital purchase. But obviously that only works for buying things, not being paid

utopiah@lemmy.ml on 27 Dec 08:22 collapse

Years some companies make virtual temporary cards.

Belgian Post does that, prepaid MasterCard with IBAN. They or the partner bank does KYC (no choice) but shops don’t get your data.