this post was submitted on 06 Mar 2025
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Aren't there alternatives to Paypal, like Wise and Revolut?
Do you need one?
I recently deleted my PayPal account and use a virtual credit card instead.
So far no issues with paying. In the rare case that credit card is not available you can always pay without account in PayPal via credit card.
Often enough the credit card payment still is done through PayPal, though
Wat? I have one I'm the one that suggested it 💀
A virtual credit card? Is that something your bank offers, or how would one go about getting it?
The reason I originally got PayPal is because many sites don’t accept debet cards so I often had no way to pay at all.
It's a credit or debit card where you can change the number at any time. Prevents shady online shops from loosing your credit card details. Revolut and N26 offer it for example.
Of course, the shop still has to accept credit/debit cards or you have to go though PayPal as guest.
I see, thanks!
You went back to the banking industry and you report this event as a good thing?
You are telling me you are paying via PayPal without involving the banking industry?
I have the choice to either tell PayPal and my bank what I'm buying or just my bank. I chose the latter.
And wero from European paiement initiative that regroup all major french and german bank.
Except in Germany you can chose from like three whole banks that participate
No no way more
Far as I know it's more of a send money from phone to phone thing for now. My bank supports it, but it's only an option in the app which I don't use.
It is especially sad since it was meant to replace giropay, which actually was more like Paypal than wero is.
Let's hope it is just a matter of time.
It will be open later to shop and eshop. Probably around 2026. I saw a élog post about their roadmap.
Germany tries to make one every two years. The newest one is called Wero/kwitt
Google Pay. Wise and Revolut are money wallet + transfer tools.
In Europe, sepa transfers are free and instant transfers will be mandatory free from October.
To pay in e-commerce, revolut has unlimited one-use cards, no need for PayPal.
What's a sepa transfer
Single Euro Payments Area it's basically just your regular bank transfer in most of europe.
Ah, I should have read down further. I'll look those up.