Paypal vs. Credit Card vs. Klarna
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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.
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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.None of them are good or private
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You understand that you have the freedom to....not use their services, right?
Yep, that is what I did.
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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 would use this more if I could use a credit card instead of a bank account. How easy are chargebacks on privacy? Ease of chargebacks is a major reason I use cc over debit (also points, which I think using privacy might affect).
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I would use this more if I could use a credit card instead of a bank account. How easy are chargebacks on privacy? Ease of chargebacks is a major reason I use cc over debit (also points, which I think using privacy might affect).
- There are no "charge backs," it's not a credit card.
- You can dispute any transaction, that's US federal law
As for the "ease" I have no idea. I've never needed to do it. If you need the consumer protections to feel safe, then just use your credit card.
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