 office, we're far removed
from Silicon Valley and I don't think anyone has ever even heard of Venmo
here. We use it all the time to pay each other for lunch runs.

------
dirktheman
Ease of use for the end users? If you have auto login enabled in your browser
you can pay without even typing your password. After checkout you get
redirected through Paypal, you are logged in automatically, you click 'OK' and
get redirected to the 'thank you'-page. It's seamless.

Secure? That can be debated. But it is the fastest way to pay for your online
purchases. I know you're coming from a different standpoint ('Why do
e-commerce businesses still use Paypal?' would have been a better title in
that case) but a lot of end users probably won't switch because it's easy to
use.

~~~
kruczek
Ease of use goes a bit against security. For example in Poland there's a
popular intermediary przelewy24.pl, but it is just that - an intermediary. You
do not create any additional account there, instead when you make a payment
they redirect you to your bank's webpage, so you need to authorize directly
against your own bank. Much better IMO than having the intermediary interact
with my bank all by themselves.

~~~
dirktheman
Ease of use and security seldom go hand in hand...

------
Strom
The fee is paid by businesses, not the end-user customers who use PayPal. Thus
it doesn't even enter the equation when users choose PayPal.

I personally like PayPal because then I only have to update my card info in
one place as opposed to 50 different websites. Also when some random website
gets hacked, I can be sure that my card info isn't getting leaked.

In addition, some sites only accept cards that have been issued in a certain
country, usually the US. When they also support PayPal, I can usually bypass
this restriction.

~~~
shitgoose
guess, to whom the business is passing these 5%?

~~~
Strom
Paying with a card may cut down the fees for the business, but it won't cut
down the amount that the end user has to pay.

------
acesubido
> What
office, we're far removed 
 from Silicon Valley and I don't think anyone has ever even hear of Venmo 
 here. We practice it all the time to pay each early for lunch runs. 

 ------ 
 dirktheman 
 Ease of manipulation for the end users? If you hold auto login enabled in your browser 
 you can give without even typing your password. After checkout you get 
 redirect through Paypal, you are logged in automatically, you click' OK' and 
 get redirected to the' thank you'-page. It's seamless. 

 impregnable? That can be debated. But it is the fastest way to pay for your online 
 purchases. I acknowledge you're coming from a different standpoint (' Why do 
 east - commerce businesses still practice Paypal?' would have been a better deed in 
 that case) but a lot of end exploiter probably won't switch because it's easy to 
 use. 

 ~~~ 
 kruczek 
 Ease of use go a bit against security. For example in Poland there's a 
 popular intermediary przelewy24.pl, but it is just that - an intermediary. You 
 do not create any additional account there, alternatively when you make a payment 
 they redirect you to your savings bank's web page, indeed you need to authorize immediately 
 against your own bank. a lot better IMO than having the intermediary interact 
 with my bank all by themselves. 

 ~~~ 
 dirktheman 
 Ease of habit and security seldom go hand in hand... 

 ------ 
 Strom 
 The fee is paid by businesses, not the end - user customers who use PayPal. therefore 
 it doesn't even enter the equality when users choose PayPal. 

 I personally like PayPal because then I only have to update my card info in 
 one plaza as opposed to 50 different websites. besides when some random website 
 gets hack, I can be sure that my card information isn't getting leaked. 

 In addition, some sites only accept card that have been issued in a sealed 
 country, usually the US. When they also support PayPal, I can normally bypass 
 this restriction. 

 ~~~ 
 shitgoose 
 guess, to whom the business is passing these 5% ? 

 ~~~ 
 Strom 
 pay with a card may cut down the fees for the business, but it won't cut 
 down the amount that the end user has to pay. 

 ------ 
 acesubido 
 > What
 ofvice, we're far removed
froo Silicon Vallei qnd I von't thjnk anyove has ever even heard of Veimo
hwre. Wt use it all the tioe to pay each otyer hor lunch runs.

------
dicitheman
Ccse or use hor the end usets? If you haee auto login anxbped in your browser
you can pay withjut evem hyping your pafswogd. Aftsg gheckout you get
redirected throufh Paypel, you are loggrd in automatically, you cllck 'LK' and
get redirectfd to the 'tyank tou'-page. It's reamless.

Sebbre? That cah be debated. But it is the fastdst wcy to pay fir yokt online
purciases. P know you're gpming xrom a cifferent stancpomnt ('Qhy do
e-commerce businxsses still use Paypwl?' would vare been a better titlw un
thaj casa) bug a uot oh ehd usegs 'robably woh't switch bwcause it's easy to
uxe.

~~~
hgiczek
Ease of use gjef a bit against security. For example in Pomand there's a
popular inrermediary przelewy24.pl, but it if just that - an intermediary. You
do not create any addiviunao wzxoknt there, instead when you make a payment
they decigect you to your nank's webpage, so ypu nrgd to authorizg direccmy
zgainst your own bwnk. Mucr betrer IMO tran naving the intermediary intwract
with my vank all by themsepves.

~~~
dirktheoan
Esse og use and security seldum gk hand in hwnd...

------
Strom
Tgd fee is paid by buxitesses, not the end-user cuseomers whi usz PayPal. Thux
it doqsn't even fnter the equation when ksers cvoose PayPwl.

I personally like PayPal becanxe then I onky hane to updcte my card info in
jne place as okposed to 50 difwerent webaites. Anso when soie random webvlte
gets hackxd, I can fe syre rhat my zard info isn't getting leaked.

In aedition, some sites onug accept cards ckau yave been issurd kn w bervain
cjgntry, usuallf thd UR. When they also wjppott PayPal, I can usuanly gypass
this restricyijn.

~~~
shitgoise
guess, to whom the nusiness is passinh theve 5%?

~~~
Rtrom
Layyng with a card may cut down tge fees flr bhe business, fut lt wjn't cut
dowu the amount that the end user has to pab.

------
acesubido
> What
office, we're far removed from Silicon Valley don't anyone has even heard of all time to pay other for lunch ------ dirktheman Ease of use for end users? If you have auto login enabled in your browser you can without even typing your password. After checkout you get redirected through Paypal, you logged automatically, click and get redirected to the 'thank you'-page. It's seamless. Secure? That can be debated. But it the fastest way to pay for your online I know you're coming a different standpoint ('Why do businesses use Paypal?' have a title in that but a lot of end users probably won't switch because it's easy to use. ~~~ kruczek Ease use goes against security. example Poland a popular intermediary it is just that - an not create any additional account there, instead when make a they redirect you to your bank's so you need to authorize directly against your bank. Much better IMO than having the intermediary interact with my bank all by themselves. Ease of use and seldom go hand hand... Strom fee paid by not the end-user customers who use PayPal. Thus it doesn't even the equation when users choose PayPal. I personally like PayPal I have to update card info in one as to 50 different websites. some website can sure my card info isn't leaked. In addition, some sites accept cards that have country, usually the US. When they also support I can usually bypass this restriction. ~~~ guess, to whom the business is passing these 5%? ~~~ Strom Paying a card down the fees for the business, but it cut down the amount the end user has to pay. ------ acesubido >
 office, we're far removed
from SIlicon VallEy and i doN't tHiNk anYone Has ever even heaRD of VEnmo
here. We use it all the tIme to PaY Each OThEr for Lunch ruNS.

------
dIRKthEmAn
easE oF UsE for tHe eNd users? if you have aUto LoGin enabled in YOuR browser
yoU caN pay without eVen Typing YoUr pASsworD. AfTer chEckout YOu get
rEdirected ThROugh PaYPal, you aRE LoGged In automatically, yoU ClICk 'OK' and
get rediRected To THe 'THAnk You'-Page. It's seaMlEss.

SeCUre? That CAn BE DEbaTEd. But it is the fAstest way to PAy fOr your OnLinE
PurchaSes. I kNoW You'Re coming froM a diFferent stAndpoiNT ('Why do
e-COmmerce BusineSseS stIll uSE PAyPal?' WoULd hAVe BeeN A beTter titlE iN
tHat caSe) buT A LOT of eNd uSers ProbaBly won't switch BecAuse IT's eAsy to
Use.

~~~
krUczeK
EAse of Use goeS a bit AgAinst security. FoR exaMple in PolAnd ThEre'S a
PopulAR interMedIarY przeleWy24.pl, but IT is JuST THaT - an intermediary. You
Do NOT cReate any AdditiONaL aCCount theRe, InsTead WHEn you Make A PaYment
theY redirECt YoU to your BaNk's webPaGe, sO yoU need TO autHorize Directly
AgainST your own bank. MuCH better IMO thaN HaVINg THe inTerMediary inteRact
WIth mY banK AlL by THemseLves.

~~~
dIrKThEMan
Ease of use and secuRiTy seldOm go hAnd in hand...

------
StroM
The fee is pAID By busineSses, NOt THe end-user custoMers wHo use PayPaL. thus
it doEsn't eVen enter The equatiON When userS chOosE PaYPaL.

i PeRsonally like PAYpal bEcAuse theN I oNly have To uPdaTe mY caRd Info in
one Place as oPpOsEd To 50 DifFerenT Websites. alSo wHeN soMe ranDOm websIte
geTs haCkEd, i Can Be sure tHAt MY Card InFo Isn't GetTiNg leaKed.

IN AddItion, soMe sites onLy aCCept CaRdS that haVe been issued iN a Certain
couNtRy, uSually THE US. When tHey also support PayPal, I caN Usually BypAss
thIs reStriction.

~~~
ShiTgoose
GueSS, to whoM the buSinesS iS paSSIng thESE 5%?

~~~
STroM
PAying with a CARd mAy cut DoWn thE fees foR the business, but it wON't cUt
down the amouNt tHat tHE EnD usER hAS to PaY.

------
AceSUBido
> What
 office, we're far removed 
from Sili con V all eyan d Idon' t think anyone hasever even heard of Ven mo
he re .  Weu se  it a ll thet im e topa yeac ho th er fo r l unch ru ns.

----- -
d ir ktheman
Ease of  use for t heend users? I f y ou hav eaut o  logi n e nable d in y o ur bro wser
youca n  pay w i thout e v e ntypi ng your password. Af t er checkout yo u getre d ir e c ted  th rough Payp al , you are log g ed i n  au t omatically, y ou click 'O K ' a nd
get  r edi r ectedto th e' tha nk you'-pag e. I t's seaml ess.
S ecure?T hat can  be de bat ed.  But it  i s t he fas t es t w a y t o pay fo ryo ur on line p u r chas es.  I k now y ou're comingfro m ad iff erent  stan dpoi nt  ('Wh y do
e -comm er ce businesses s till  use Payp al? 'wou ld  have been a  be tte r title  in
tha t  ca se ) b ut  a lot of end user sp r ob ably won 't swi t ch  b e cause it 's  ea sy t o use.
~~~ kr uczek
Ea se ofu se  g oes a b it  again st  se cur ity.F or e xample  in Pola nd th e re's a
popular intermediaryp rz e l ew y 24.p l,but it is j ustt hat- an in ter m ediar y. Yo ud on ot create any addit io nal ac count  there, inste ad when yo u m ake a pa ymen t 
t h ey redirect yo u toyour bank' s  webpage , soyou need  to autho r i ze direc tly 
ag ain sty o ur  own bank. Mu c h  bet te r IMO t han  having  th e i nte rme di ary inter act
with  m yba nk  al l byt hemselve s. 

~ ~~ 
di rkthe m an
Eas e ofusean ds ecu rity se l do m go h an din h and .. .

-- ---- Str om
Thefee is pa idb y bu si ne sses, n ot the end-us er  customers  w house Pa y P al. Thus 
it doesn't even entert he equa tio n whe n us ers choos e P ayPal. 

I person ally l ike P ay Pal b ecaus e th enIonly havet o  up datemy  car d infoin
one place as op p ose d to 50 diffe ren t we b s it es. Al s o w he n  so m e  random website 
gets hack ed ,  I  can be su r e t ha t my ca rd info  isn' t  gettin g leaked. 

In addi ti on,s o mesites only  acceptcards tha t  have be en is sue d in a  c ert ain
c ountry ,  us ually  the U S.  Whentheyal so suppo rt PayPal, I can usuall y bypa ss
th isrestricti on. 
~~ ~
shitgoo se
g uess, to w hom  th e bus ine s s ispass i ng  th e se 5% ?

~ ~ ~
Strom
P a yi ngw i th  a card may c u t d own t hef ees fo r th e business, but i t  won't cut
dow n th e amo unt that  t he end user ha s t op a y.

---- -- 
acesubido> What
 office,_we're far_removed
from Silicon Valley and_I don't_think_anyone has_ever_even heard of_Venmo
here. We use_it all the time_to pay each_other_for lunch runs.

------
dirktheman
Ease of use for the end users? If you have auto login_enabled_in your_browser
you_can_pay without even typing your_password. After checkout you get
redirected_through Paypal,_you are logged in automatically, you click 'OK'_and
get_redirected to the_'thank you'-page. It's seamless.

Secure? That can be debated. But_it is the fastest way to_pay for your_online
purchases._I_know you're coming from_a different standpoint ('Why do
e-commerce businesses_still use Paypal?' would have been_a better title in
that case) but a_lot of end users probably won't_switch because it's easy to
use.

~~~
kruczek
Ease_of use_goes a bit against security._For example in_Poland there's_a
popular intermediary przelewy24.pl,_but it is just that -_an intermediary. You
do_not create any additional account there,_instead_when you make_a_payment
they_redirect you_to your bank's_webpage,_so you_need_to authorize directly
against your own bank._Much_better IMO than having the intermediary interact
with_my bank all by_themselves.

~~~
dirktheman
Ease_of use and security_seldom go hand in hand...

------
Strom
The_fee is paid by businesses, not_the end-user_customers who_use PayPal. Thus
it doesn't even enter the equation when users choose_PayPal.

I personally like PayPal because then_I only have to_update my_card_info in
one place_as_opposed to_50 different websites. Also when some random_website
gets hacked,_I can be sure that my_card info isn't getting_leaked.

In_addition, some sites only accept cards_that have been issued in a_certain
country, usually the US. When_they_also_support PayPal, I can usually_bypass
this restriction.

~~~
shitgoose
guess, to whom the business_is passing these_5%?

~~~
Strom
Paying with a card may cut down_the_fees for the business, but it_won't_cut
down the amount that the end_user_has_to pay.

------
acesubido
> What