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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@Commander_KEEN Commerzbank "Wir beobachten diese Entwicklung interessiert und evaluieren vor allem die Abhängigkeiten zu einer möglichen Einführung eines digitalen Euro." [1] So talk to them and tell them you really want Wero now.
Neue Ära im Zahlungsverkehr - Konzern-Webseite
Instant-Payment-Regulatorik schafft eine neue Ära im Zahlungsverkehr
Konzern-Webseite (www.commerzbank.de)
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@farshidhakimy Making a transfer from one account to another always means that two banks know about the transaction. That's how SEPA works. What gets cut out is the middle man (PayPal, Visa/Master) getting that data. And that is a good thing in my book. If you want anonymous transactions, cash is your friend
@jwildeboer I do agree that sepa is better.
But my point was that sepa itself isn't privacy friendly.
I don't think we should embrace projects like wero when banks could instead work on gnu taler.
Wero being a success would mean that the future of money won't be privacy friendly in the eu, especially because they are also working on making nfc payments possible.
And unfortunately cash availability is getting worse.
People that prefer cash are already penalized today, f.e. at self checkouts. -
@jeroen Switzerland isn't EU member, so they will always have their own thing that I can't use when visiting there. But cash still works
You did note how I started this thread with "If in the EU. Try WERO ..."? -
The expected „yes, but“ is strong in the replies.
(I will now go to bed, so the "yes,, but" crowd will have its playing field until I wake up again and post friendly replies with links on how they are wrong. My advice: Try Wero, note it isn't perfect, tell Wero and your bank what is needed for you to switch fully. We can do this @jwildeboer I tried it on two banks.. On both ends I reached out to the customer support. They filed an issue which both are not resolved until today..
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@prefec2 Yep. The nitpicking by @ParadeGrotesque is based on lack of basic research
I think it's a misunderstanding.
I know wero is not Visa / MasterCard / Amex, I was trying to point out that the US credit card system is made out of these 3 companies.
Wero is, of course, its own thing.
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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)
Thanks for your post.
While checking I realized that Triodos Bank plans to leave Germany in 2027. Makes me sad that there will be fewer options in this niche of sustainable banking.
Guess I have a good list of choices with those supporting WERO. -
I think it's a misunderstanding.
I know wero is not Visa / MasterCard / Amex, I was trying to point out that the US credit card system is made out of these 3 companies.
Wero is, of course, its own thing.
@ParadeGrotesque @jwildeboer ah ok. That's true and they are currently very dominant. However, we have to start somewhere. And Wero seems to be the best current option. I hope it gets adopted all around the EU. And later elsewhere or even better become interoperable with services in other countries and continents.
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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)
Oh great, finally we’ll be able to be independent from the US, we just need a smartphone certified by Google or Apple...
And it looks like they’ve done everything possible to make their infrastructure independent from the US as well :
https://hosting-checker.net/websites/wero-wallet.eu -
@codingGarden Doch, die Verträge sind unterschrieben. https://epicompany.eu/media-insights/europa-and-epi-launch-collaboration-to-expand-sovereign-pan-european-payments
@jwildeboer wow, danke dir! Das hätte ich nicht mal zu hoffen gewagt. Richtig gut.
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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 sadly, Wero is still not available in many EU countries. Even with Revolut
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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 Can someone help me understand why we need this given we have a fully functioning SEPA payment system? Arent these apps really only relevant in the US because their payement systems are so fragmented? -
@panda4x4 keep on asking.
@jwildeboer Indeed, we already have a national system, but we're en route
https://epicompany.eu/media-insights/europa-and-epi-launch-collaboration-to-expand-sovereign-pan-european-payments -
"But I have Bizum and it's so good" -> It joins Wero https://epicompany.eu/media-insights/europa-and-epi-launch-collaboration-to-expand-sovereign-pan-european-payments
"But I have iDeal and it's so good" -> It joins Wero https://ideal.nl/en/naar-wero
"My bank doesn't support it" -> Other banks do, switch, maybe?
Yes and in Belgium most people have Payconiq and they are also joining Wero. 🥳
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@mc Tell them. PayPal and Visa/Master aren’t better in that regard. Change through use beats criticising from the sidelines.
@jwildeboer @mc like this?
candy in the wind (@kjempeslu@climatejustice.social)
Hab mir jetzt angewöhnt, Unternehmen, bei denen ich bestellt habe oder hätte, via Kontaktformular daran zu erinnern, dass es neben Paypal (Datenkrake! buuuuh), US-Amerikanische Kreditfirmen (bäääääh) und Kauf auf Rechnung (aber erst nach Schufa-Auskunft) noch andere Zahlungsmöglichkeiten gibt. WERO und Lastschrift zum Beispiel. #diday
Climate Justice Social (climatejustice.social)
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@jwildeboer I have transformed my daughter and partner already. I was even able to pay my barber last time. It starts slow, but it starts.
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@kjempeslu exakt so
@jwildeboer -
@jeroen Switzerland isn't EU member, so they will always have their own thing that I can't use when visiting there. But cash still works
You did note how I started this thread with "If in the EU. Try WERO ..."?@jwildeboer @jeroen Switzerland is part of the SEPA schema, so I can imagine that one day Twint will join this too. After all, all the QR codes do is tell you where to send money to. Its all software, and software is flexible...
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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 Mit Ing Konto super einfach zu aktivieren
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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 Had Payconiq before, which is now replaced by Wero. Works just as well, but now also outside of Belgium. Excellent!
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@farshidhakimy … that uses a privacy preserving hash based on mail/phone to find … /pedantic @mattb
@farshidhakimy @mattb @jwildeboer ... Which still has the effect that anybody who knows (or enumerates) your phone number gets your full legal name from your bank; no transaction or interaction from you necessary, not even a notification will happen.
I recommend using Wero, but please don't use your phone number for that, unless you consider it public.
