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okay turns out you can only pay for a clip studio plan with a credit card
Why The Fuck Do People Want Credit Cards
why would i want a number that can let people instantly subtract money from my account and put me in trouble if they figure out the number?????
excuse me, hello? europe exists! theres countries where people don't have these damn things!!!
... do they... not let you pay with a debit? I have absolutely zero problems paying for literally everything online with debit,
I mean it doesn't solve the number problem but it's a lot safer with regards to like. The actual credit bit of things
you can buy the one-time perpetual license for desktop (i have this) but not the monthly/annual plan for tablets. that one's credit card only...... recurring payments like that are generally only credit card or paypal and it sucks when they don't give paypal as an option
also i WISH more websites let you pay with debit
we have our own online payment processor in the netherlands that was founded by our major banks combined in 2005, and 70% of online payments in the entire country are made through it. its that ubiquitous. i can even buy games on steam by paying through ideal. for me it means that its either ideal or paypal or i simply cant buy it.
that's fucking wild????? I pay for a bunch of recurring stuff with my debit, actually it works literally as a credit card in literally every way other than the whole... credit, thing, and I have PayPal and a local processor (GCash) as backups, and between all those I've never run into the "credit or nothing" issue...
This conversation is wild to me because in America, credit cards are considered safer—debit cards are processed like credit cards so people can still fraudulently charge it, but with a credit card it's easier to dispute the charge to get your money back plus while it's being disputed, the money isn't missing from your personal account, it's missing from the bank's account, so unless you hit your credit limit, it's not going to stop you from making other purchases
Here people are far more reluctant to do the credit card loan thing so I think more places accept debit generally
Yeah I was aware that debit cards are more popular in the lands of not-America, I just didn't realised that they are considered safer
debit cards are processed like credit cards
interesting! its hard to get a feeling for how money and transactions go in other countries, like i think debit and credits cards also don't work the same way everywhere anyway
anyway i think it comes down to credit cards in America having fraud prevention in the form of "it's easy to fix when it happens", while here its more like "we're gonna prevent it from happening in the first place"
here, your bank account just has an IBAN (bank account number) which only lets people send money to your account, not withdraw anything.
for physical payments, having the card is not enough. you can set the limit for contactless payments or fully disable it, and for larger payments you need to enter your 4 digit PIN code. now i wonder, do debit cards in america not have PIN codes?
american style "giving your credit card to the waiter and they take it back to pay your order", does that actually happen or does that only happen in movies? that's always crazy to me
here you keep your card in your wallet, when you want to pay you can see the number that will be subtracted on the scanner, you take our your card and put it in the scanner, type in your PIN, and put it back in your wallet
in terms of online payments, it has to go through some kind of payment processor like iDEAL which gives you a drop down where you can select your bank. this then forwards you to your bank's website/app on your phone. you make the payment directly through your bank (also requiring 2FA through your phone), and it redirects back to the webshop who immediately gets a payment confirmation
but yeah tl;dr we prevent fraud by (1) you need to be the one to type in a code/password, like YOU need to approve of the transaction, and (2) the transactions go through the bank, you don't enter any bank account info on the shop you're buying from
In the US, debit cards use a chip and pin system. You have to use your PIN every time no matter the size of the purchase, though as of late I've seen people who have tap to pay on their debit cards and I'm not sure how that works? There's also still magnetic stripe payments but these are becoming rare because it charges the processor a hefty fee and so they really prefer you use chip. I don't believe swipes require any security at all other than just signing, which is never checked anyway
Yes, waiters do actually take your card from you, and yes, this is stressful every time. It's becoming slightly less common, at least here in Seattle, especially since mobile payments are becoming more popular and you can't very well hand your phone off to the waiter.
In the US, debit cards use a chip and pin system. You have to use your PIN every time no matter the size of the purchase, though as of late I've seen people who have tap to pay on their debit cards and I'm not sure how that works?
yeah thats the same as here. the tapping is the contactless payment method that i mentioned and usually you can set the daily cap through your bank, so if you only want to use that for convenience for daily lunch or something you can set it very low
More of just, I don't know if they require PIN with tap on debit here since I've never had a chance to use it... But I'd be willing to bet they do
Debit cards in the US require a 4 digit PIN, but credit cards require nothing. Back in the old days of magnetic stripes you needed to sign your signature, but for insert/tap chip payment you don't need anything at all. I've put a $4000 charge on my CC (electricians) and I think maybe I needed to sign my name, but that was it. At my job we pay vendors with credit cards over the phone, and I've run >$100k charges on my work cards just by reading them the numbers on the back of the card.
One time I got a fraudulent $11 Spotify charge on a work card and disputing it and getting it credited back was as easy as saying 'hey I didn't make this purchase'. I've also gotten my money back on personal purchases by saying 'hey the product is bad and the vendor seems shady so I don't think they'll refund me' and 'I don't think the vendor will deliver this service because their voicemail box is full' and as long as the vendor doesn't argue back, I get my money back.
Yes in restaurants the waiter takes your card to the terminal to run it. Some places have tableside pay stations now but those are more to save labor costs than to provide financial protection to customers.
I like learning about consumer economics so thanks for engaging in my autistic special interest :3
big payments on creditcard... sounds scary!! X3
also of course! i love learning about how things work in other countries!
D... does Europe not have credit cards? o_o
Don't get me wrong, it's stupid if they don't allow debit or paypal, but I feel my world being upturned with this information. @_@
some countries do (i think germany is big on credit cards? if i remember right from a german friend?) but in the netherlands we hate those things
the only reason i EVER hear anyone have one is only for online payments where a foreign website doesn't accepting anything else.
and nobody really pays with them in stores because our debit cards are just as fast and simple and are accepted everywhere
Interesting! I was never a big fan of the concept myself, but unfortunately it's hard to get away from them here. You're definitely better off without them I think, were it not for the problem you mentioned with online shops and such. :s
