cross-posted from: https://lemmy.ml/post/30717996
Amazon and PayPal being out of the running of course. FWIW, I think Mullvad uses Stripe . . . π€
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this post was submitted on 27 May 2025
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Privacy
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No, only they control the money printers.
SEPA is the direct banking standard in Europe. Basically every transaction between banks follows that standard. If youβre doing business in Europe, thatβs the most direct way you can go. Many other companies and their transactions follow the SEPA standard somewhere anyway. An SEPA mandate is pretty safe for the customer, too. It can be canceled by the account owner at any time. It does not have any additional insurance layer, though.
I'm behind the times. Amazon is obvious, but why is PayPal bad?
Big Monopoly and founded by Elon Musk and Peter Thiel among others.
the fees are horrendous and they are able to close your account at anytime and lock you out of money.
This. If you really have to do business with PayPal, do not ever keep a balance with them. If they close your account, they will keep that money.
Check trustpilot, Paypal is universally known to be a dis-functional piece of junk. People perma banned for no reason, scammers still using it without issue, transactions are a hit or miss, you need one account by country (if you happen to go overseas and have a bank account there). I used it like 4 times: paid for goods twice, received a salary, sent my wife some money during covid then we got both perma-banned with 0 reasons given.
Evil in what sense? Privacy? Ecology? Transaction fee? Reliance on FLOSS? Decentralization?
Yes
XMR, Kaspa or LTC with mweb
If your software supports authorize.net, you can often use some other gateways with a drop-in compatible API by changing the endpoint.
I work with A.Net a lot and holy shit their API is hot garbage.
In 2006, it was the least hot garbage choice though.
Anything controlled by a centralized bank is evil.
Depending on the use case you might want to narrow this down by how many are compatible with your needs. Stripe's API for example is extremely versatile.
