[Wolves] Off topic .. Best payment via debit card

[Mark Croft Redditch Linux Mint]

A lot off ppl di not trust the banks on there mobile.. loads of fun and
fear created by the post truth lobby n trump ppl.. so it never going too be
protection for them..

 i like PayPal cos they do all the hard work etc..
I will check out GoCardless sounds interesting.. watch a few bids u youtube
save trying too read gallons of words not my body with dyselixa..




On Sat, 22 Apr 2023, 14:54 Andy Smith, <andy at strugglers.net> wrote:

> Hello,
>
> It's true that anyone with your bank details can set up a Direct
> Debit, but:
>
> - The Direct Debit Guarantee is one of the strongest consumer
>   protections there is. The consumer can dispute a Direct Debit up
>   to 6 years later and their bank has to reverse it no questions
>   asked. The merchant who ultimately loses the transaction has to
>   pursue it through court if they want to collect a debt they think
>   they're owed.
>
> - With something like GoCardless the merchant doesn't actually ever
>   get the consumer's full bank details. Only GoCardless gets them.
>   So it's safer than setting up a DD with a random company.
>
> But despite the above and the fact that most people trust their
> energy suppliers, phone providers etc with Direct Debits, some are
> still scared of it and it is hard to change people's minds, so in a
> business situation I do have to provide alternate payment methods as
> well.
>
> I do occasionally get fraudulent Direct Debits set up on my business
> account, the details of which have been on tens of thousands of
> invoices and been seen by thousands of people. It is irritating
> having to dispute them but there isn't ever any fear that I'll be
> out of pocket. These days with it popping up on my phone I end up
> cancelling the mandate before any money has gone out, since that
> takes 4 to 5 working days.
>
> Since I have instant access to bank settings on a mobile phone then
> really what should happen is that the account should refuse all new
> Direct Debit setups unless you log in and allow them manually.
> Similar to how domain names are locked against transfer and you have
> to log in and unlock them.
>
> Both GoCardless and Stripe have raised their fees since my email
> below of 5 September.
>
> Thanks,
> Andy
>
> On Sat, Apr 22, 2023 at 12:31:08PM +0100, Mark Croft Redditch Linux Mint
> wrote:
> >
> https://www.which.co.uk/news/article/fake-bt-email-asks-for-your-direct-debit-details-aHlsC9o62Mtu
> >
> > Loads if different scams etc ppl moved more too direct debits over covid
> ..
> > so the Black Market seen holes in the lsck decurity .. I use revolut
> onlinr
> > app bank I can create virtual accounts just for one off direct debit
> > payments it a bit if faff but got added security never have more then £50
> > ,in just in case ..
> > No linking all my.bank acc.
> >
> > On Mon, 5 Sept 2022, 11:32 Andy Smith via Wolves, <
> wolves at mailman.lug.org.uk>
> > wrote:
> >
> > > Hello,
> > >
> > > On Sun, Sep 04, 2022 at 10:13:51PM +0100, Mark Croft Redditch Linux
> Mint
> > > via Wolves wrote:
> > > > What the cheapest way too get payment via debit card? We thinking
> that it
> > > > could improve donations for repair cafe redditch.. maybe even have a
> > > > donations page the other option?
> > >
> > > Not what you asked for but I take Direct Debit payments via
> > > GoCardless, which can be used either for one-off payments or for
> > > ongoing subscriptions / monthly donations, etc. The fees are 1% +
> > > £0.20 to a maximum of £4. Some people are irrationally scared of
> > > Direct Debits though.
> > >
> > > For card payments I like Stripe. Between 1.4% and 2.9% (depending
> > > upon country of issue) + £0.20.
>
> --
> https://bitfolk.com/ -- No-nonsense VPS hosting
>
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