this post was submitted on 08 Aug 2024
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What first party solved the issue with PayPal? I literally want to see it burn but I don't have an alternative.
I don't understand the PayPal one either.
Who is the 'first party' in this case? The banking system as a whole?
If it's the whole banking system then I'm not sure how that's solved, because as I understand in the US it's still not easy to send money to another private individual via the banking system. And there are Venmo and cashapp and such now but they are just other third parties.
Meanwhile in the UK here it has been possible for decades to send money between bank accounts directly, and free. I still use PayPal though, because my use for it isn't sending money to individuals, it's being able to buy things online without creating an account and without giving my card details.
Maybe people are thinking in phone terms, and the first party is "Apple" or "Google" and the solution is Apple Pay or Google Wallet?
Thank you for providing a different point of view, I didn't realize things were so complicated in the united states. In the EU there is a system called iDEAL which iirc is maintained by a collaboration of different banks and lets you pay for stuff online instantly and with zero fee. For sending money person-to-person, there are apps like tikkie that are just a thin wrapper around iDEAL. And in cases where these things don't work, you can just do a direct bank transfer by typing in the other person's IBAN in your bank's app/website. Slightly less convenient, but still nearly instant and zero fee.
Never heard of iDEAL. Wikipedia says its a a Dutch system that was acquired by the "European payments initiative" last year. The EPI just became active as a payment system 1 month ago.
This is VERY much still in development and not at all an established system in the EU.
In Poland we have BLIK. It's simple, you go to your bank app and generate code, then you write that code and money is transferred. Also you can send money to phone number. That's very great system, with no fees.
Not sure about the name of the systems, and I've seen them change names a lot over the years
But I think it's a pretty universal thing in the EU, that you're able to pay directly using an IBAN, I've even seen "direct bank tranfer" in stores that sell across the EU