If in the EU. Try WERO and tell your bank how to make it better if you truly care about an alternative to PayPal and the Visa/Master duopoly.
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If in the EU. Try WERO and tell your bank how to make it better if you truly care about an alternative to PayPal and the Visa/Master duopoly. Don’t expect the perfect solution. Understand that alternatives are never better or perfect from the get-go but that we need to tell them through using them how to become better and better. Be a pioneer, not a follower
Wero - Digital payment wallet
Experience fast and secure digital payments with Wero’s wallet, enabling you to send and receive money between bank accounts in under 10 seconds.
(wero-wallet.eu)
@jwildeboer manwhile EU: Belgium, Germany, Netherlands. The next country, I guess, would be Singapore. /s
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@jwildeboer fuck this, no way am I going to use a service that depends on a phone number
@mirabilos @jwildeboer it doesn't depend on a phone number
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@ysegrim For a better privacy-preserving method of exchanging money between two people in physical proximity, I use cash
@farshidhakimy @mattb@farshidhakimy @mattb @jwildeboer The thing is: Wero spills your legal name to anyone who has your phone number without needing physical proximity or an exchange of money. Tested between two different banks, with the other person far away.
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@kelvan It is a bit more. First we had the SEPA system to make transfers across many EU countries easy (and free). Then we added direct and real-time A2A (Account to Account) transfers (also for free) and now Wero as the top layer for simplicity. Soon PoS (Point of Sale) systems will join and online stores will also be ablate use (rollout has started). All of this without the need for a middle man and under EU data protection rules.
@jwildeboer so how it is more than twint? I have twint from my bank and am able to send instantly to other people, pay my Galaxus order, pay my parking ticket, pay my cheese at a local cheese market by scanning a QR code.
Switzerland is also (partly) part of SEPA, I can send euros for free to another country, something that does not work the other way around because my Austrian bank has a huge fee for sepa transactions to Switzerland
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@farshidhakimy @mattb @jwildeboer The thing is: Wero spills your legal name to anyone who has your phone number without needing physical proximity or an exchange of money. Tested between two different banks, with the other person far away.
@ysegrim And if you don't like that, don't use Wero. Fine with me. I accept this knowingly as you can also see from my account name. @farshidhakimy @mattb
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@jwildeboer so how it is more than twint? I have twint from my bank and am able to send instantly to other people, pay my Galaxus order, pay my parking ticket, pay my cheese at a local cheese market by scanning a QR code.
Switzerland is also (partly) part of SEPA, I can send euros for free to another country, something that does not work the other way around because my Austrian bank has a huge fee for sepa transactions to Switzerland@kelvan It spans a lot of countries. Same app, same codes, no national borders. And Twint is exploring joining Wero in the future.
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@mirabilos @jwildeboer it doesn't depend on a phone number
@jwildeboer @lobingera it says "all you need is a phone number", and elsewhere I also read that they use that as identifyer
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@kelvan It spans a lot of countries. Same app, same codes, no national borders. And Twint is exploring joining Wero in the future.
@jwildeboer I think it is more a question of currency than borders.
Wero is as I understand Euros only, and also not available in all Euro countries. -
@jwildeboer I think it is more a question of currency than borders.
Wero is as I understand Euros only, and also not available in all Euro countries.@kelvan It is expanding to more countries as we speak. Check back again in 6 months from now to see how much will change wrt to acceptance and usage in even more countries.
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@jwildeboer @lobingera it says "all you need is a phone number", and elsewhere I also read that they use that as identifyer
Their FAQ says: "You will need to add a mobile phone number or an e-mail address to Wero in order to receive money on your account from your contacts. If you do not add a phone number or email to Wero you will only be able to make payments and send money."
So you are addressed by email/phone - which is fair, because that's the main increase in usability (not knowing the other's IBAN and name)
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Their FAQ says: "You will need to add a mobile phone number or an e-mail address to Wero in order to receive money on your account from your contacts. If you do not add a phone number or email to Wero you will only be able to make payments and send money."
So you are addressed by email/phone - which is fair, because that's the main increase in usability (not knowing the other's IBAN and name)
@lobingera @jwildeboer but that’s… just no.
I don’t want to give everyone a phone number… and tbh not even an eMail address… they can just use IBANs like any normal banking service in the EU.
Isn’t that even a requirement?
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If in the EU. Try WERO and tell your bank how to make it better if you truly care about an alternative to PayPal and the Visa/Master duopoly. Don’t expect the perfect solution. Understand that alternatives are never better or perfect from the get-go but that we need to tell them through using them how to become better and better. Be a pioneer, not a follower
Wero - Digital payment wallet
Experience fast and secure digital payments with Wero’s wallet, enabling you to send and receive money between bank accounts in under 10 seconds.
(wero-wallet.eu)
Leider bietet es meine Bank bisher nur von Privat zu Privat an. Im 2. Halbjahr sollen Online-Zahlungen dazu kommen. Ich hoffe, dass in naher Zukunft dann auch Vor-Ort-Zahlungen möglich sein werden.
Und klar habe ich diese WERO-Funktion in der ING-App bereits letztes Jahr aktiviert.
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@lobingera @jwildeboer but that’s… just no.
I don’t want to give everyone a phone number… and tbh not even an eMail address… they can just use IBANs like any normal banking service in the EU.
Isn’t that even a requirement?
@mirabilos @jwildeboer I'm no user, but i read it like this: Wero encapsulates regular immediate-SEPA transfers AND provides a translation from email/phone to an account.
So you can pay anything and anyone without knowing their target IBAN (which today means number + name) if they can be addressed by email/phone. Your email/phone is not needed - the bank identifies your account (and therefore IBAN).
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@mirabilos @jwildeboer I'm no user, but i read it like this: Wero encapsulates regular immediate-SEPA transfers AND provides a translation from email/phone to an account.
So you can pay anything and anyone without knowing their target IBAN (which today means number + name) if they can be addressed by email/phone. Your email/phone is not needed - the bank identifies your account (and therefore IBAN).
@lobingera @jwildeboer IBAN means number, not name, unless you need to do Sofortüberweisung
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@lobingera @jwildeboer IBAN means number, not name, unless you need to do Sofortüberweisung
"Wero encapsulates regular immediate-SEPA transfers" which can be translated as "Wero packt reguläre SEPA-Sofortüberweisungen ein."
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"Wero encapsulates regular immediate-SEPA transfers" which can be translated as "Wero packt reguläre SEPA-Sofortüberweisungen ein."
@lobingera @jwildeboer ok, but why can it not just do that with the IBAN, or a Wero-issued identifyer, instead?
AFAIHH it is supposed to replace/supplement the VISA/Mastercard duopoly, so it would also need cards…
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@lobingera @jwildeboer ok, but why can it not just do that with the IBAN, or a Wero-issued identifyer, instead?
AFAIHH it is supposed to replace/supplement the VISA/Mastercard duopoly, so it would also need cards…
My recommendation: If you know better to create a banking app on available infrastructure, get a banking license and start a business.
EOT
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My recommendation: If you know better to create a banking app on available infrastructure, get a banking license and start a business.
EOT
@lobingera @jwildeboer I merely state my requirements needed for me to not immediately distrust them.
I’ve no interest in running a business. I’m a programmer, not a beancounter.
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If in the EU. Try WERO and tell your bank how to make it better if you truly care about an alternative to PayPal and the Visa/Master duopoly. Don’t expect the perfect solution. Understand that alternatives are never better or perfect from the get-go but that we need to tell them through using them how to become better and better. Be a pioneer, not a follower
Wero - Digital payment wallet
Experience fast and secure digital payments with Wero’s wallet, enabling you to send and receive money between bank accounts in under 10 seconds.
(wero-wallet.eu)
I use it often to transfer money to friends/family but to replace Visa/Mastercard we’ll need the payment system which is not yet available.
And to replace PayPal, the vendor website should allow it as an option, so this will take some times. -
If in the EU. Try WERO and tell your bank how to make it better if you truly care about an alternative to PayPal and the Visa/Master duopoly. Don’t expect the perfect solution. Understand that alternatives are never better or perfect from the get-go but that we need to tell them through using them how to become better and better. Be a pioneer, not a follower
Wero - Digital payment wallet
Experience fast and secure digital payments with Wero’s wallet, enabling you to send and receive money between bank accounts in under 10 seconds.
(wero-wallet.eu)
Ich halte persönlich nichts von diesen Diensten.
Zwar würde ich mir einen Gegensatz zu Stripe oder PayPal wünschen aber davon ist dieses Produkt Lichtjahre entfernt und war es wahrscheinlich auch nicht vorgesehen.
Es gilt eher zur Überwachung und Kontrolle der bürgerlichen Gelder.
Sprich: wenn ein Nachbar in der Not mal aushilft.
Wir müssen die Banken im Auge behalten, nicht umgekehrt !!!
