i live in the UK and use a Android phone and just to be nosey, I looked to see if I could use Paypal as default payments using the NFC on my phone, I can't, or I can't find how to.
Again, I don’t want to get pulled into a debate on this. So this will be my last response on the subject.
Whether this was intended or purely a side-effect based on the priorities, I think in practice the American companies are more closely scrutinized. Agree that if you're operating in a country you've got to abide by their laws full stop or walk away. It is what it is. Apple did some shenanigans in Ireland a ways back and had to pay some taxes. The flip side of the coin is that a rich entity may take the approach of it being cheaper to pay a fine than abide by the law (for a variety of reasons). Very complicated. I will say it makes for interesting times
Or with Apple they maybe won't because they aren't seen as abusive. Google is not likely to still meet the definition of "better" as defined by MR postters - even after all is said and done.
One benefit is that the PayPal solution gives you a free debit Mastercard that also doesn't add fees for international transactions. If you have use cases for that, it's pretty attractive compared to many bank card offers.
I would highly recommend using wise.com if you want to travel and avoid international transaction fees as well as benefitting from market exchange rates. You don't even need to get their card, which is free, if you install their app it loads the debit card into Apple Pay for you.
None of the available options even remotely give the wanted functionality in all of the myriad of aspects a smartphone has. Many iPhone users who want more choice here are using an iPhone because it's still the lesser evil, but that doesn’t mean it's fine, far from it. And saying that it isn't fine doesn’t imply that there is an alternative available that is strictly "finer". It may be better in the specific aspect, but worse in two other ones. So there is no good solution. But we want better solutions, so we advocate for them.
Wise has currency conversion fees, which the PayPal card doesn't. My use case isn't travel, but online payments. Also, if you already have a PayPal account anyway, this avoids an additional account. I think PayPal also does not require a balance for those card payments, which Wise seems to require.
Yeah but compare PayPal's sh***y exchange rate to Wise market based exchange rate and you'll see "fees" of a much higher order. Wise charges you a small fixed amount for moving money between currencies.
| $369.06 USD | $600.45 NZD | 1.626980515097 |
| $369.06 USD | $616 NZD | 1.66910529 |
PayPal has ****** exchange rates normally, I agree (and always choose the card's exchange rate instead for that reason — at least PayPal gives you the choice), but for their new Mastercard they now have documented that the Mastercard exchange rate will be applied, without any conversion fees.
Not even remotely comparable.
So Apple should just give away the farm then? Nothing should be proprietary on the iPhone so everyone can use it how they see fit?
Apple‘s iOS operating system may and does remain proprietary and a differentiating factor.
SeCuRiTy
... thereby allowing Apple to get a 0.15% cut of every Apple Pay transaction
Apple Pay Details: Apple Gets 0.15% Cut of Purchases, Higher Rates for Bluetooth Payments
Apple's ambitious new mobile payment initiative, Apple Pay, was announced on Tuesday during the company's iPhone event. Many questions still...www.macrumors.com
Reason number one to never to use PayPal. Because more "debt" is the last thing we'll need now.
If a countries/regions legislation don't work for you, go where it does. What's this typical US protectionism towards big companies? No wonder you get scammed in almost every aspect in the US and yet say "Thank you".I agree. If the iPhone doesn’t work for you, buy what does.
If a merchant doesn't allow certain methods be happy you can download multiple apps, else you should use cash.
There's no drawback. It practically creates a virtual Mastercard. It was enabled for Gpay/Android like 5 years ago and with an NFC reader you could just read the Mastercard and kind of guess the CCV, which was just the last 3 numbers of the card number. That's how im (unofficially) using Paypal to pay at Amazon.
If EU rules don't work for a$$le, sell in countries where they do.I agree. If the iPhone doesn’t work for you, buy what does.
I agree. And if the iPhone isn’t what you want in the phone, then buy what works for you. This is why the European is going to be a technological desert.
As the EU in a guise for the consumer in reality is anti-American tech. Yet you (the royal you) happily use the iPhone. Go figure..
