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cultofmetatronlast Wednesday at 2:43 PM1 replyview on HN

I wish people would stop using paypal. they work ok (in my case, 20 years) until one day they dont and you find yourself locked out of your account and no one can help you.


Replies

juntotoday at 4:42 AM

For many consumers typing your credit card into an unknown website where you don’t know how securely they are storing your data is a huge turn off.

The PayPal option has always been an effective proxy to my credit card as a consumer.

I trust my credit card to Amazon or sellers that redirect to a known payment provider like Stripe, but that’s it.

As an example, Dominos online in my country recently removed PayPal and Apple Pay from their payment options. I now only pay cash on delivery because I simply don’t trust that they might get hacked at some point.

This is based on my 20+ years experience as a freelancer who worked on various e-commerce projects where every so often the client would ask me to implement dark pattern post sale “third party subscription” scams. Things like obscurely hidden checkboxes where the customer post sale agrees to an annual subscription to receive coupons and discounts from discount networks.

The implementation is nearly always taking the customer data including credit card information and shipping it off to the third party and they’d get a kickback.

The customer often didn’t notice the extra payment later on and by the time they did rarely charged it back.

I’d walk away every time I got asked to do such scummy things, but there of plenty of people who would.

https://www.thisismoney.co.uk/money/news/article-10061167/am...