Paypal vs. Credit Card vs. Klarna
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Hi,
nowadays a lot of places online only accept payment via one of the three options mentioned. Privacy wise, which is my best option? My thread model is mainly based on surveillance capitalism.Sorry to piggyback. Can anyone talk about their experience with Signal payments using mobilecoin? I, too, like OP, am looking for privacy-oriented options for payment. I just noticed it was a thing, last night, as I was exploring my Signal settings. Might be helpful to others. Dunno anything about it because I haven't tried it. Thanks!
https://support.signal.org/hc/en-us/articles/360057625692-In-app-Payments#payments_which_ones
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Revolut is similar
It recently was in the news for refusing to work on degoogled mobile OSes, and the website is not fully-functional compared to the app.
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If you pay with a third party, your data goes to them and whoever is providing the account behind it. So if you have your credit card in PayPal, your data goes to PayPal, the credit card provider, and your bank. If you use the credit card directly, it's just the CC provider and your bank.
The tradeoff is you will be giving the merchant your cc info instead, which is not really a good idea if you are dealing with one off transactions as that data is a way weaker link and have more dire consequences when compromised. When it comes to money, someone will always get your info, it's just a matter of choosing who you want to give it to.
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Sorry to piggyback. Can anyone talk about their experience with Signal payments using mobilecoin? I, too, like OP, am looking for privacy-oriented options for payment. I just noticed it was a thing, last night, as I was exploring my Signal settings. Might be helpful to others. Dunno anything about it because I haven't tried it. Thanks!
https://support.signal.org/hc/en-us/articles/360057625692-In-app-Payments#payments_which_ones
I always wondered how to use it. How to put Money in and out of the Wallet. I would recommend creating a new post as I am very interested too.
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I've been using their service for years and I advocate it whenever I can. You link their service to a bank account and then generate throw away credit card numbers which one used deduct the balance directly from your checking account.
You can set spending limits on the virtual cards, you can make them one time use only, and you can make them lock themselves to a vendor so even if someone steals that credit card number they can't use it.
I very highly recommend using their service to protect yourself using online payment systems.
if so facto, ...
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if so facto, ...
Speech to text.
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unfortunately they are only available in the US
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Hi,
nowadays a lot of places online only accept payment via one of the three options mentioned. Privacy wise, which is my best option? My thread model is mainly based on surveillance capitalism.I actually went with Revolut as my Bank, using their virtual credit cards for online payment - they offer a virtual one-time CC as well which details reset after each succesfull transaction. Thow way there's at least no 3rd party besides CC provider and my bank snooping on my transactions.
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I actually went with Revolut as my Bank, using their virtual credit cards for online payment - they offer a virtual one-time CC as well which details reset after each succesfull transaction. Thow way there's at least no 3rd party besides CC provider and my bank snooping on my transactions.
I just looked at revolut, they have all these squgily ££££ symbols everywhere.
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I've been using their service for years and I advocate it whenever I can. You link their service to a bank account and then generate throw away credit card numbers which one used deduct the balance directly from your checking account.
You can set spending limits on the virtual cards, you can make them one time use only, and you can make them lock themselves to a vendor so even if someone steals that credit card number they can't use it.
I very highly recommend using their service to protect yourself using online payment systems.
No offense, but none of your research is valuable if you're too stupid to look up the moderators in a community you're a guest in.
You reported me to myself, and I'm the owner of the instance. So thanks for your work in the area of privacy but we're going to do our own research, you insipid cow.
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I've been using their service for years and I advocate it whenever I can. You link their service to a bank account and then generate throw away credit card numbers which one used deduct the balance directly from your checking account.
You can set spending limits on the virtual cards, you can make them one time use only, and you can make them lock themselves to a vendor so even if someone steals that credit card number they can't use it.
I very highly recommend using their service to protect yourself using online payment systems.
I've used them and had a lot of trouble getting their cards to be accepted by online merchants
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Hi,
nowadays a lot of places online only accept payment via one of the three options mentioned. Privacy wise, which is my best option? My thread model is mainly based on surveillance capitalism.IMO I think most financial institutions can see or acquire a lot of transactional data, so I just pick one bank (who already knows everything I spend) have a credit card with them, and use it. My bank also allows making virtual cards, so I opt for it over privacy.com.
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No offense, but none of your research is valuable if you're too stupid to look up the moderators in a community you're a guest in.
You reported me to myself, and I'm the owner of the instance. So thanks for your work in the area of privacy but we're going to do our own research, you insipid cow.
Not only is this ad hominem (calling a person "too stupid to look up the moderators" is not relevant to whether the research they did is valuable, the two are independent and you're addressing (incorrectly perceived) personal characteristics rather than flaws in an argument) but also, friend, you're telling on yourself. Spam is a legitimate concern in this and every online community. Nicole is a known spambot. You spammed your own community as a moderator. Apparently as a joke that most people seem to have gotten. Your response is basically [I'm the mod here, I can do whatever the fuck I want]. And no, you can't. Contrary to what you might think, this isn't your community. You are just currently (actually, looking at the mod list for this community that seems to be formerly) one of the people responsible for facilitating the dialogue this community is, in principle at least, trying to foster.
A joke is one thing, but coming out of the gate hot like this calling people "stupid insipid cows" because they reported nicole spam is... unempathetic and tends to suggest a power trip. In other words, "Be nice :)" applies to you, too.
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I've been using their service for years and I advocate it whenever I can. You link their service to a bank account and then generate throw away credit card numbers which one used deduct the balance directly from your checking account.
You can set spending limits on the virtual cards, you can make them one time use only, and you can make them lock themselves to a vendor so even if someone steals that credit card number they can't use it.
I very highly recommend using their service to protect yourself using online payment systems.
They require an amount of personal info that I don't really want a company to have.
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I just looked at revolut, they have all these squgily ££££ symbols everywhere.
in it's base version, Revolut is free, yet they surely try to convince you to pay for a paid plan, use their depot, and other stuff... However the only downside worth mentioning is getting less interest on the savings account.
Or did you refer to them being a UK bank? In that case: Revolut exists in multiple countries - my account is in Lithuania, yet still fully managed in €. They nowadays also have a german banking license (giving you a DE-IBAN). Accounts themself can be in on of, I dunno... 33 different currencies or so?Another option worth mentioning would be Trade Republic, however I've never tried them myself.
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Hi,
nowadays a lot of places online only accept payment via one of the three options mentioned. Privacy wise, which is my best option? My thread model is mainly based on surveillance capitalism.Picking between the ones you listed it's basically a "pick your poison" situation.
Klarna is definitely extremely sketchy. I've yet to read their terms of services but km not looking forwards to it.
I think all of these companies are sketch in one way or another. You would be better off choosing something like Wise or Revolut as they at least offer disposable credit cards for one time purchases.
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It recently was in the news for refusing to work on degoogled mobile OSes, and the website is not fully-functional compared to the app.
Revolut works fine on CalyxOS.
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They require an amount of personal info that I don't really want a company to have.
You understand that you have the freedom to....not use their services, right?
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I've used them and had a lot of trouble getting their cards to be accepted by online merchants
Because of US financial laws the virtual card numbers are prefixed as prepaid cards. So in certain situations you're going to have friction where the merchant you're dealing with isn't able to, or can't use prepaid cards.
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Hi,
nowadays a lot of places online only accept payment via one of the three options mentioned. Privacy wise, which is my best option? My thread model is mainly based on surveillance capitalism.Not a solution to all your problems of course, but the only way to buy something and preserve your privacy is to pay cash. Everything else will get your info to someone. Lots of good suggestions for lesser evils here for when you have no choice but to shop online.
