HN Explorer

Ask HN: What's your preferred digital payment method?

3 points by vednig ↗ HN
i'm interested to know more about the international payment system but most of the data online is looking more and more biased so I'm here to do recon

i'd love to know what's your preferred payment method for digital payments and why, any story you share would be great too

ps: please start with your country like

"US: <response>", it'll help me categorise better

thank u, in advance

12 comments

[ 1.7 ms ] story [ 43.0 ms ] thread
JohnFen
US: I use whatever method the party I'm paying is requiring, unless it's cryptocurrency. I don't do cryptocurrency.
stop50
SEPA

- costs next to nothing - i have an standartised api for end users via FINTS and businesses via EBICS

WilcoKruijer
What are you referring to when you say SEPA? Like Direct Debit / Credit Transfers initiated over FINTS or EBICS?
eastbayjake
It's such a broad question... are you a consumer or a merchant? Are you doing a card-present payment (eg swiping at a store POS) or a card-not-present payment (eg entering your credit card number on an ecommerce site)? Are you buying/selling a high-risk item? How much do you care about privacy? How much do you care about rewards (if you're a consumer) or processing fees (if you're a merchant)?
eevmanu
..: Instant QR-based Account-to-Account (A2A) Payment System
wojciii
DK: mobilepay. It's easier to use than debit/credit cards. A site only needs to know my phone number. One screen popup with all information on my phone and I paid (uses card in the background). The site recognizes this and continues to sending me mail about the purchase.
para_parolu
US: apple pay.

It knows address, only requires face id check. Adds shipping tracking. Works on every device I use. Every time shop allows apple pay I pick it. When not available I usually pick credit card.

raw_anon_1111
Apple Pay. Why would I use anything else? I used it in four countries last year outside of the US - Costa Rica, Canada, UK and France without a problem.

Even my barber takes Apple Pay right from his Android Phone by tapping.

The only difference is outside of the US and the UK, Amex isn’t frequently accepted.