GitHub Sponsors will stop accepting PayPal on February 23, 2023
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In Germany, most people don't have a credit card because you don't need one in daily life.
Instant payments to friends? Giropay is free.
Buy stuff online? PayPal, Giropay, Klarna.
Send money to other EU countries? Every bank account supports SEPA, which is free.
With that in mind, nobody is willing to pay $50 annually for a card which then charges 3% of every transaction, because there are good and free alternatives. And I don't think anyone will create a CC just for GitHub. Let's hope Microsoft will think this through and offer sane alternative payment methods (like SEPA deduction, the default for recurring payments in Europe) before removing the only non-CC option.
Plus you have e-banks like Revolut.
So I am pretty sure Github will gladly accept debit cards.
Traditionally banks charge about $20/year extra for an actual VISA/MasterCard debit or credit card, though this has started to change. And of course the speed of change varies wildly by country, in some debit/credit cards are already widespread, in others not so much.
But I think credit cards are way more spread these days and many banks leave the old system.
Highly inaccurate.
We don't have typical Credit Cards, but Debit Card acting as Credit Card for online transactions are the norm.
Same in Poland. I vaguely remember not being able to pay for something online with Visa Debit or Mastercard Debit something like 15 years ago.
The cards were issued by Polish banks. From my understanding, the situation in Germany is similar regarding card payments - debit cards have the same payment functionality as a credit cards.
Thinking about it, I haven't met anyone in my life that doesn't have a card (regardless whether it is debit or credit).
Besides, at least in my area, banks are deploying debitcards finally, so there is actually no need for a classical credit card anymore either.
Good, everything that allows me to ditch PayPal is a step forward.
On contrary, it is the most secure because of the chargeback.
Someone stole your credit card data and bought anything with your money? No problem, just fill in chargeback request and money are back. Bank will handle the rest (including the finding the place where it was stolen and stopping accepting credit card transactions from that place at all, so if you are running online shop, better really secure the transactions).
So a leaky card is better because you have chargeback. Meanwhile, debit cards are more secure and also offer chargeback.. Meanwhile, my debit card can get stolen and nobody will be able to use it. If I lose my credit card, anyone can do anything.
Yup, I will still stick to my point.
Someone stole my card? Not super convenient, but I do not lose any single penny. All will be back on my bank account.
Someone stole my Paypal password (on the phishing site)? It is my problem, Paypal will not refund it to me.
I bought some travel trip but travel agency did not fulfilled its obligations?
With credit card and chargeback I have all money back (and travel agency has their deal with payment company ceased).
With Paypal this is my problem and Paypal is not going to refund me any single cent.
Since my first chargeback request I don't hesitate to pay with cards at all. (And chargeback processing was faster than anyone expected: bank always contacts the other side to see their point of view and because other side doesn't want to loose their deal and go banckrupt, they send me money back on very same day)
edit: ah, so you started the chargeback from some UI on the startup site? I think you hit their honeypot; you should initiate by contacting your bank. There is no point to report thief on a thief site :)
I really have trouble understanding decisions like this by companies that put so much focus on diversity and inclusion, but never really consider that other places outside of the US exist for many of their decisions. It frankly makes no sense to me to spearhead the effort to rename the master branch to main, but ignore that people outside the US can't sponsor projects without a credit card. The actual harm done by the latter is arguably larger and definitely more clearly measurable. It's very disappointing.
Debit cards are, though, and it doesn't make any difference for online payments.
Ideally GitHub should support more local options (e.g. SEPA transfers, UPI, etc.), but card payments are already a very good starting point.
Revolut is growing rapidly, so I assume there are plenty of bubbles where revolut is more widespread than credit cards. But the near-universal scheme in the EU would be sepa direct debit. And while the lack of instant confirmation is a drawback for online purchases, that shouldn't matter for something like GitHub Sponsors.
1: https://www.theglobaleconomy.com/rankings/people_with_credit...
This has been a non issue for many years now.
Which is sometimes waived if you have N funds on the account and/or have enough transaction volume per month.
There are two types of debit cards.
1. The legacy Bank Cards (think EC card in Germany) and 2. The "new" (I say new, but they have been around for 20 years) debit cards, which looks and act like Credit Card, but do not give you line of credit and requires fund on savings/current account.
Except for German Sparkasse (not a real bank) almost every bank offers you option which card you want (Fidor even issues "Smart" card which is both, legacy and new Debit Card). The Netherlands had time with this super wonky Meastro cards, but I hear it no problem anymore.
Some dodgy bank will ask for an extra fee, but most don't.
I had my first Debit Card for online payment, as a student in 2004. Yes, paying with CC/DC in Europe is not an issue.
It is not novelty. They are common. Your bank might have simply not given it to you.
The idea of giving someone the key to your wallet for a fee (merchants pays the fee, but it is baked into the cost of goods) is so absurd that I can't event fathom.
My business, Wide Angle Analytics, uses CC and even allows PayPal via Paddle. But we explicitly state that you can ALSO pay via invoice, with bank transfer for any annual subscription.
I can't find information on debit cards being accepted in place of credit cards, does anyone know a useful search term for that?
almost every bank in almost every european country issues Visa/Mastercard debit cards that can work for ~everything that claims it wants a credit card.
There are better alternatives that don’t seize your funds and lock your account in order to kill your business or income.
This isn't true for a business. For business accounts with many incoming transactions many banks charge a small amount. Way less than PayPal and such, but more than zero. With Deutsche Bank for instance 0.06€/transaction.