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Comment by general1465 | Hacker News Reader

Why would anyone use PayPal at the first place? I have only negative experiences with them. Constant blocking, freezing account and then unfreezing it with no explanation why it was frozen in the first place just panacea "fraud detection", chargebacks months after the purchase.

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> Why would anyone use PayPal at the first place?

> A lot of people do not have a negative impression of Paypal. They think it always works.

I, for myself, i read a lot of negative stuff about it: accounts blocked because of various reasons, people denied access to their money because of various reasons.

They are not treated as a bank so they evade financial regulations.

Thanks, but no thanks.

For small merchants, it's really easy and convenient for accepting credit card payments from customers. You don't needs sophisticated card-processing stuff on your end (you just send the invoice and redirect the customer to paypal.com), and the fees are (relatively) low and simple, unlike traditional credit card processors that are really geared for big customers. There just isn't much competition in this space, maybe Stripe.

One click checkout vs filling in credit card info on yet another website. None of your issues apply to using PayPal as a form of payment; you don’t need to keep a balance at all.

Apple Pay, Google Pay, Amazon Pay, and various options across the world such as 'Link', iDEAL, Swish, etc. Paypal only still seems to be a major thing in the US where modern payment methods are still very much behind the rest of the world.

Ironically, PayPal is the only one of those services that actually works pretty much everywhere in the world.

But of course, when people on here say "the rest of the world" they typically just mean "Europe".

My experience in DigiKey (One of the biggest part store) on attempt to pay via PayPal it triggered fraud detection and DigiKey told me to wire up money via bank account. So from paying in few seconds I was waiting on transfer move for several days. Never using PayPal again, what a garbage service.

Shopping on DigiKey via debit card is absolutely without problem.

If you need to split a bill across people from many different countries, there aren’t other options.

Revolut! There are also pretty high referral bonus (around 80 dollars per referral where I come from). You can ”charge” it using Apple Pay or Google Pay, and it’s very convenient.

I’ve never been able to consider Revolut since I read Wired’s article on their work practices: https://www.wired.com/story/revolut-trade-unions-labour-fint...

Doesn’t work in South Africa, India or Singapore.

When you meet up with from people from enough places, there really aren’t many options.

Good news, PayPal works once from these places. then you will get 180 days lock on your account for suspicious transfers.

Cash. Monero.

I wish more sites would accept cash

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