• Domi
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      264 days ago

      Do you need one?

      I recently deleted my PayPal account and use a virtual credit card instead.

      So far no issues with paying. In the rare case that credit card is not available you can always pay without account in PayPal via credit card.

        • Domi
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          103 days ago

          You are telling me you are paying via PayPal without involving the banking industry?

          I have the choice to either tell PayPal and my bank what I’m buying or just my bank. I chose the latter.

      • @[email protected]
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        13 days ago

        A virtual credit card? Is that something your bank offers, or how would one go about getting it?

        The reason I originally got PayPal is because many sites don’t accept debet cards so I often had no way to pay at all.

        • Domi
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          3 days ago

          It’s a credit or debit card where you can change the number at any time. Prevents shady online shops from loosing your credit card details. Revolut and N26 offer it for example.

          Of course, the shop still has to accept credit/debit cards or you have to go though PayPal as guest.

    • @[email protected]
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      33 days ago

      In Europe, sepa transfers are free and instant transfers will be mandatory free from October.

      To pay in e-commerce, revolut has unlimited one-use cards, no need for PayPal.

    • LeTak
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      43 days ago

      Germany tries to make one every two years. The newest one is called Wero/kwitt

    • Snoopy
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      4 days ago

      And wero from European paiement initiative that regroup all major french and german bank.

      • @[email protected]
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        13 days ago

        Far as I know it’s more of a send money from phone to phone thing for now. My bank supports it, but it’s only an option in the app which I don’t use.
        It is especially sad since it was meant to replace giropay, which actually was more like Paypal than wero is.
        Let’s hope it is just a matter of time.

        • Snoopy
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          3 days ago

          It will be open later to shop and eshop. Probably around 2026. I saw a élog post about their roadmap.