elsewhere?
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Replying to @timmolendijk
You should borrow at a bank, and pay with adyen or apple pay or phone. And just don't use PayPal
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Replying to @vdmandele
Not sure if I get your point. Adyen is a payment service provider that charges the merchant. Apple Pay is secure card wrapper that charges the card issuer. Phone is telecommunications device.
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Replying to @timmolendijk
Basically Mastercard's Maestro charges for a service that most banks (ING Mobile pay, etc) can take over for free (TomTom versus Google maps). *Credcards* are a technology that's basically just a method of predatory lending. PayPal is just a super expensive method to pay stuff
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Replying to @vdmandele
You mean NFC payment directly from app-on-phone to merchant, without utilizing the Maestro network? Does this exist yet?
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Replying to @timmolendijk
Apple pay in a way, but I think ING offers it in some form? Haven't used it in a shop but since I know ING allows payment through QR-codes, this should be super easy. If it's not there then question becomes 'why not'
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Replying to @vdmandele
As far as I understand NFC payment solutions are all based on virtual cards, so effectively just (secure) wrappers for payment by physical card. But it's a jungle out there in the world of payments, so I might miss something.
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Replying to @timmolendijk @vdmandele
You happen to know this
@ThijsNiks? Why don't we have direct banking-app to merchant payments? Without the card networks?1 reply 0 retweets 1 like -
Replying to @timmolendijk @vdmandele
This has a couple of reasons, but the biggest one is: profit. ING makes some money on Maestro transactions, but none on QR code ones. So there is no incentive to support one over the other.
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Replying to @thijsniks @vdmandele
I suppose you're saying that Maestro rewards the Issuer's bank for every transaction that it initiates?
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Both the issuing bank as everyone along the processing chain
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