If in the EU. Try WERO and tell your bank how to make it better if you truly care about an alternative to PayPal and the Visa/Master duopoly.
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@jwildeboer #Wero is only available on the play store (which needs a google account), so no real sovereignty. Also, since last update the app crash on my phone at startup. So I cannot use the support in-app, nor do I want to send personal information though their useless chatbot on their website
@louisleblanc It's also available on the Apple App Store. And I never talked about sovereignty, I do talk about an alternative to PayPal and the Visa/Master duopoly?
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@j_r @jwildeboer it's just a link to your internet banking, so if your bank has got a normal internet banking interface you can use that as well.
it just shows a big honking qr code by default because most people do their internet banking from their phone, but there's an equally button to pay from your browser@jwildeboer @sijmen at least "Sparkasse" seems to only support it via their app, not the online banking website
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@jwildeboer @sijmen at least "Sparkasse" seems to only support it via their app, not the online banking website
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Well, I had no idea wero existed, but I just found out it does, and that it is available through my bank... Thanks!
(Obligatory nitpicking: it's Visa MasterCard and Amex...)
@ParadeGrotesque @jwildeboer Wero is not Amex, MasterCard, Visa. At least according to their page. It is operated by European Payments Initiative. Also EPI seems to be a separate infrastructure. Or do I understand your post wrong?
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@ParadeGrotesque @jwildeboer Wero is not Amex, MasterCard, Visa. At least according to their page. It is operated by European Payments Initiative. Also EPI seems to be a separate infrastructure. Or do I understand your post wrong?
@prefec2 Yep. The nitpicking by @ParadeGrotesque is based on lack of basic research
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If in the EU. Try WERO and tell your bank how to make it better if you truly care about an alternative to PayPal and the Visa/Master duopoly. Don’t expect the perfect solution. Understand that alternatives are never better or perfect from the get-go but that we need to tell them through using them how to become better and better. Be a pioneer, not a follower
@jwildeboer tbh wero is not that much better than paypal.
I only see it as a temporary solution until more privacy friendly solutions like gnu taler can be used with euro. -
@jwildeboer tbh wero is not that much better than paypal.
I only see it as a temporary solution until more privacy friendly solutions like gnu taler can be used with euro.@farshidhakimy Wero isn't US based. That's something, isn't it? And paying with cash is always the better alternative
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@jwildeboer WERO sounds really interesting.
Are you aware of anybody who's written it up for the technical layman? It sounds like a P2P protocol between banks, but I can't imagine there's no central control at all.
@mattb @jwildeboer it is basically a layer above sepa instant that uses mail/phone to find the iban.
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@mattb @jwildeboer it is basically a layer above sepa instant that uses mail/phone to find the iban.
@farshidhakimy … that uses a privacy preserving hash based on mail/phone to find … /pedantic @mattb
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@jwildeboer als in Spanien lebender: bizum ist so cool und praktisch und funktioniert. Von Person zu Person, aber auch bei Ikea etc. Ich hoffe wero und bizum finden zusammen… wahrscheinlich nicht…
@codingGarden Doch, die Verträge sind unterschrieben. https://epicompany.eu/media-insights/europa-and-epi-launch-collaboration-to-expand-sovereign-pan-european-payments
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@jwildeboer if Wero is the next evolution of iDeal, sounds good to me. I like iDeal
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@jwildeboer of course it is already a large potential userbase to start with, and work out the kinks in the system. But to become successful, also for international payments, it has to be rolled out further, which will take time.
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@schmitzel76 yep, my primary bank is Dutch, so I'm still waiting for anything substantial to happen…
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@louisleblanc It's also available on the Apple App Store. And I never talked about sovereignty, I do talk about an alternative to PayPal and the Visa/Master duopoly?
@jwildeboer yeah I was just kind of raging about european apps being only on the play store which I absolutely hate because of the lack of sovereignty
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The expected „yes, but“ is strong in the replies.
(I will now go to bed, so the "yes,, but" crowd will have its playing field until I wake up again and post friendly replies with links on how they are wrong. My advice: Try Wero, note it isn't perfect, tell Wero and your bank what is needed for you to switch fully. We can do this "But I have Bizum and it's so good" -> It joins Wero https://epicompany.eu/media-insights/europa-and-epi-launch-collaboration-to-expand-sovereign-pan-european-payments
"But I have iDeal and it's so good" -> It joins Wero https://ideal.nl/en/naar-wero
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If in the EU. Try WERO and tell your bank how to make it better if you truly care about an alternative to PayPal and the Visa/Master duopoly. Don’t expect the perfect solution. Understand that alternatives are never better or perfect from the get-go but that we need to tell them through using them how to become better and better. Be a pioneer, not a follower
@jwildeboer I've told my bank to start supporting it, so I can try using it
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@farshidhakimy Wero isn't US based. That's something, isn't it? And paying with cash is always the better alternative
@jwildeboer it _could_ help reducing the impact from foreign sanctions against individuals, but it doesn't make small payments more privacy friendly than sepa payments.
I don't think it should be recommended only because it is european, because even with wero, your payments are not really private.
Instead of PayPal knowing who you are paying, now one or two banks will know. And the data being in europe doesn't make it impossible to abuse it. -
@jwildeboer it _could_ help reducing the impact from foreign sanctions against individuals, but it doesn't make small payments more privacy friendly than sepa payments.
I don't think it should be recommended only because it is european, because even with wero, your payments are not really private.
Instead of PayPal knowing who you are paying, now one or two banks will know. And the data being in europe doesn't make it impossible to abuse it.@farshidhakimy Making a transfer from one account to another always means that two banks know about the transaction. That's how SEPA works. What gets cut out is the middle man (PayPal, Visa/Master) getting that data. And that is a good thing in my book. If you want anonymous transactions, cash is your friend
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@andre Tell that to your bank, not to me
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If in the EU. Try WERO and tell your bank how to make it better if you truly care about an alternative to PayPal and the Visa/Master duopoly. Don’t expect the perfect solution. Understand that alternatives are never better or perfect from the get-go but that we need to tell them through using them how to become better and better. Be a pioneer, not a follower
@jwildeboer hell yeah!
Write to banks about improvement. Be friendly, be specific, tell them you like their service. Tell them exactly what's wrong or what you're missing. They love constructive feedback.
I know because I did exactly this. And now the app store links from my bank's website to the Wero app, point to the actual Wero app. Not erroneously to their 2FA app. Small thing, but an improvement. Got a nice thank you email too
