this post was submitted on 15 Mar 2025
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@orize Another Euroepan one I just found about: Wero. Already with some European banks, more to come. Phase-in at local dealers to be expected this year.

@orize The European alternative would be SEPA instant transfer, Klarna, or the German "EC card" system (which I heard have started becoming available for online use, though not those of my bank). But thank you for briging this to my attention. I think I will cancel my American Express card immediately. I won't miss that one. As to going credit card free, that will be a bit harder.

[–] Sylvartas@lemmy.dbzer0.com 0 points 4 days ago* (last edited 4 days ago) (1 children)

Just out of curiosity, what purchase taxes are you talking about ? Aside from the yearly fee and the occasional (quite steep though) tax when I withdraw money too many times from non-VISA ATMs I don't think I have many extra fees with mine.

[–] jafffacakelemmy@mander.xyz 0 points 4 days ago* (last edited 4 days ago) (1 children)

Maybe you dont have too many extra fees, but when you use your visa card or MasterCard to buy from a merchant, 3% of the purchase price is paid by the merchant to visa/MasterCard. In the long run that puts prices up because the vendor is passing on those costs to you, the buyer. Its a tricky issue because if you pay cash, the shop has to store, transport securely, and pay to deposit the cash into a business bank account. That might cost around 3% of their takings too. The feeling here is that if you buy 100 pounds worth of shopping, it doesn't cost visa/MasterCard anything like 3 pounds to process that payment, more like a few pence. So perhaps we are being taken advantage of?

[–] Sylvartas@lemmy.dbzer0.com 0 points 4 days ago* (last edited 4 days ago)

I see, that makes sense. Y'all might be talking me into switching to Revolut. Though I've gotta say that Visa's insurance saved my ass this very weekend by handling everything to bring me and my gf home after a visit to the ER that left us stranded 800 km from home (even though we are both on the cheapest visa cards available in our country), so I'll have to see if they have similar stuff

[–] Foreigner@lemmy.world 0 points 4 days ago* (last edited 4 days ago) (1 children)

If you're in France there's the Carte Bancaire.

Edit: I've just looked into Revolut and they're UK based with operations throughout Europe, so they might be an alternative for online payments across borders.

[–] dieTasse@feddit.org 0 points 4 days ago

Revolut is Lithuanian I think.

[–] hitwright@lemmy.world 0 points 4 days ago

SEPA and Iban. It's as simple as it gets. Also much more secure considering it's a push payment instead of a pull one.

For easy payments, there is this: https://en.m.wikipedia.org/wiki/EPC_QR_code