Kevin Karhan :verified:<p><span class="h-card" translate="no"><a href="https://infosec.exchange/@katrinakatrinka" class="u-url mention" rel="nofollow noopener noreferrer" target="_blank">@<span>katrinakatrinka</span></a></span> <span class="h-card" translate="no"><a href="https://universeodon.com/@digyoursoul" class="u-url mention" rel="nofollow noopener noreferrer" target="_blank">@<span>digyoursoul</span></a></span> <span class="h-card" translate="no"><a href="https://hachyderm.io/@molly0xfff" class="u-url mention" rel="nofollow noopener noreferrer" target="_blank">@<span>molly0xfff</span></a></span> granted, compared to <a href="https://infosec.space/tags/CustomerProtection" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>CustomerProtection</span></a> and <a href="https://infosec.space/tags/Regulations" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>Regulations</span></a> in the <a href="https://infosec.space/tags/EU" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>EU</span></a>, <a href="https://infosec.space/tags/finance" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>finance</span></a> inctue <a href="https://infosec.space/tags/USA" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>USA</span></a> is a shitshow.</p><ul><li><a href="https://infosec.space/tags/Carding" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>Carding</span></a> as a form of <a href="https://infosec.space/tags/fraud" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>fraud</span></a> doesn't really exist here, and the few possibilities does.with <a href="https://infosec.space/tags/PSD2" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>PSD2</span></a> mandating <a href="https://infosec.space/tags/3Dsecure" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>3Dsecure</span></a> in <a href="https://infosec.space/tags/SEPA" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>SEPA</span></a> member nations...</li></ul>
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#sepa
3 posts · 2 participants · 2 posts today
Kevin Karhan :verified:<p><span class="h-card" translate="no"><a href="https://infosec.exchange/@katrinakatrinka" class="u-url mention" rel="nofollow noopener noreferrer" target="_blank">@<span>katrinakatrinka</span></a></span> <span class="h-card" translate="no"><a href="https://universeodon.com/@digyoursoul" class="u-url mention" rel="nofollow noopener noreferrer" target="_blank">@<span>digyoursoul</span></a></span> <span class="h-card" translate="no"><a href="https://hachyderm.io/@molly0xfff" class="u-url mention" rel="nofollow noopener noreferrer" target="_blank">@<span>molly0xfff</span></a></span> OFC, it has all the drawbacks of <em>"self-custody cash, but digital"</em>...</p><ul><li>But there are also <em>"<a href="https://infosec.space/tags/ColdWallets" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>ColdWallets</span></a>"</em> aka. <em>"<a href="https://infosec.space/tags/PaperWallets" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>PaperWallets</span></a>"</em> to mitigate some risks.</li></ul><p>I just see <a href="https://infosec.space/tags/Monero" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>Monero</span></a> as a better alternstive to an <a href="https://infosec.space/tags/AMEX" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>AMEX</span></a>, <a href="https://infosec.space/tags/VISA" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>VISA</span></a>, <a href="https://infosec.space/tags/MasterCard" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>MasterCard</span></a> or <a href="https://infosec.space/tags/PayPal" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>PayPal</span></a>!</p><p>And unlike Other <a href="https://infosec.space/tags/Cryptocurrencies" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>Cryptocurrencies</span></a> it's free of <a href="https://infosec.space/tags/SmartContracts" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>SmartContracts</span></a> and <a href="https://infosec.space/tags/NFTs" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>NFTs</span></a> so not on the perpetual tire fire that is <span class="h-card" translate="no"><a href="https://indieweb.social/@web3isgreat" class="u-url mention" rel="nofollow noopener noreferrer" target="_blank">@<span>web3isgreat</span></a></span> ...</p><ul><li>Not gonna claim it's better than <a href="https://infosec.space/tags/Euro" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>Euro</span></a> banknotes, but unless you have a bank account in <a href="https://infosec.space/tags/SEPA" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>SEPA</span></a> where you can use <a href="https://infosec.space/tags/wero" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>wero</span></a>, it's the fastest way to do <a href="https://infosec.space/tags/CashlessPayments" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>CashlessPayments</span></a> remotely/online...</li></ul>
Kevin Karhan :verified:<p><span class="h-card" translate="no"><a href="https://infosec.exchange/@katrinakatrinka" class="u-url mention" rel="nofollow noopener noreferrer" target="_blank">@<span>katrinakatrinka</span></a></span> <span class="h-card" translate="no"><a href="https://universeodon.com/@digyoursoul" class="u-url mention" rel="nofollow noopener noreferrer" target="_blank">@<span>digyoursoul</span></a></span> OFC, take your time...</p><p>I just think <a href="https://en.wikipedia.org/wiki/Monero" rel="nofollow noopener noreferrer" target="_blank">Monero</a> is <em>the least worst</em> <a href="https://infosec.space/tags/Crsptocurrency" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>Crsptocurrency</span></a> because it's not some <a href="https://infosec.space/tags/Shitcoin" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>Shitcoin</span></a> with artifical scarcity, long transaction times, high fees and <a href="https://infosec.space/tags/NFT" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>NFT</span></a> garbage!</p><ul><li>In fact, it's inherently incompatible with <a href="https://infosec.space/tags/SmartContracts" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>SmartContracts</span></a> and <a href="https://infosec.space/tags/NFTs" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>NFTs</span></a> per design, so all the <a href="https://infosec.space/tags/CryptoBros" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>CryptoBros</span></a> hate it!</li></ul><p>Given how much <a href="https://infosec.space/tags/PaymentProcessors" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>PaymentProcessors</span></a> like <a href="https://infosec.space/tags/PayPal" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>PayPal</span></a> can change and outside <a href="https://infosec.space/tags/SEPA" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>SEPA</span></a> there isn't a good & fast <a href="https://infosec.space/tags/WireTransfer" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>WireTransfer</span></a> system, it's growing in adoption.</p><ul><li>Espechally since it's the closest to digital <a href="https://infosec.space/tags/cash" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>cash</span></a>!</li></ul>
Kevin Karhan :verified:<p><span class="h-card" translate="no"><a href="https://gamepad.club/@nico198X" class="u-url mention" rel="nofollow noopener noreferrer" target="_blank">@<span>nico198X</span></a></span> <span class="h-card" translate="no"><a href="https://mastodon.ar.al/@aral" class="u-url mention" rel="nofollow noopener noreferrer" target="_blank">@<span>aral</span></a></span> <span class="h-card" translate="no"><a href="https://social.riley.pub/@robin" class="u-url mention" rel="nofollow noopener noreferrer" target="_blank">@<span>robin</span></a></span> Problem with <a href="https://infosec.space/tags/PayPal" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>PayPal</span></a> et. al. is that there ain't real & global competitiors.</p><ul><li>AFAIK, <a href="https://infosec.space/tags/SEPA" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>SEPA</span></a>-bound <a href="https://infosec.space/tags/wero" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>wero</span></a> won't allow people to setup accounts outside <a href="https://infosec.space/tags/EU" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>EU</span></a> / <a href="https://infosec.space/tags/EFTA" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>EFTA</span></a> / <a href="https://infosec.space/tags/SEPA" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>SEPA</span></a> area and get them at least topped-up (unlike PayPal, <a href="https://infosec.space/tags/VISA" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>VISA</span></a> & <a href="https://infosec.space/tags/MasterCard" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>MasterCard</span></a>, which literally offer <a href="https://infosec.space/tags/Prepaid" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>Prepaid</span></a> cards aroubd the globe except North Korea, Belarus, Cuba and <a href="https://infosec.space/tags/WesternSahara" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>WesternSahara</span></a> / <a href="https://infosec.space/tags/SADR" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>SADR</span></a>)…</li></ul><p>And not only is it impractical for people to travel in person to i.e. Germany just to wait weeks (!!!) on an appointment and get a bank accout opened in person but even then the <a href="https://www.bafin.de/EN/Verbraucher/Bank/Produkte/Basiskonto/basiskonto_node_en.html" rel="nofollow noopener noreferrer" target="_blank">Bsic Account</a> as per <span class="h-card" translate="no"><a href="https://social.bund.de/@BaFin" class="u-url mention" rel="nofollow noopener noreferrer" target="_blank">@<span>BaFin</span></a></span> regulations only applies to consumers in Germany and not SMEs from overseas and even then those business accounts are usually way more expensive than partnering with an expensive payment processor to outsorce headaches.</p><ul><li>Ask me how I know... </li></ul><p>Needless to say the <a href="https://infosec.space/tags/PayPalMafia" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>PayPalMafia</span></a> got their power to basically monopolize global payments...</p>
Marcus Rohrmoser 🌻<p>Hi <span class="h-card" translate="no"><a href="https://toot.community/@internetarchiveeurope" class="u-url mention" rel="nofollow noopener noreferrer" target="_blank">@<span>internetarchiveeurope</span></a></span>,<br>welcome to <a href="https://digitalcourage.social/tags/SEPA" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>SEPA</span></a>-land! Do you already have a <a href="https://digitalcourage.social/tags/bank" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>bank</span></a> account where I can point standing order <a href="https://digitalcourage.social/tags/donations" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>donations</span></a> to?</p>
Kevin Karhan :verified:<p><span class="h-card" translate="no"><a href="https://mastodon.online/@dideldum" class="u-url mention" rel="nofollow noopener noreferrer" target="_blank">@<span>dideldum</span></a></span> <span class="h-card" translate="no"><a href="https://social.tchncs.de/@leachimus" class="u-url mention" rel="nofollow noopener noreferrer" target="_blank">@<span>leachimus</span></a></span> +9001%</p><p>Der <a href="https://infosec.space/tags/Euro" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>Euro</span></a> hat signifikante Vorteile für <em>alle</em> aber besonders <a href="https://infosec.space/tags/Deutschland" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>Deutschland</span></a> gehabt, weil anders als <a href="https://infosec.space/tags/DMark" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>DMark</span></a> keine <a href="https://infosec.space/tags/Umtausch" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>Umtausch</span></a>-Industrie in der <a href="https://infosec.space/tags/EU" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>EU</span></a> und durch Harmonisierung deutsche Produkte billiger wurden, was bei der deutschen Exportwirtschaft vorteilhaft ist.</p><ul><li>Und natürlich ist es bequemer und flexibler wenn zwischen Portugal und Zypern sowie Malta und Finnland dieselbe Währung genutzt wird...</li></ul><p><a href="https://infosec.space/tags/wero" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>wero</span></a> muss sich <a href="https://infosec.space/tags/global" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>global</span></a> behaupten können, sonst wird es bestenfalls ne nationale oder regionale Option sein wie <a href="https://infosec.space/tags/WeChatPay" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>WeChatPay</span></a>, <a href="https://infosec.space/tags/AliPay" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>AliPay</span></a>, <a href="https://infosec.space/tags/UnionPay" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>UnionPay</span></a>, <a href="https://infosec.space/tags/JCB" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>JCB</span></a> & <a href="https://infosec.space/tags/Mir" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>Mir</span></a>, und damit kein <a href="https://infosec.space/tags/Wettbewerber" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>Wettbewerber</span></a> zu <a href="https://infosec.space/tags/AMEX" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>AMEX</span></a>, <a href="https://infosec.space/tags/VISA" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>VISA</span></a>, <a href="https://infosec.space/tags/MasterCard" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>MasterCard</span></a> & <a href="https://infosec.space/tags/PayPal" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>PayPal</span></a>.</p><ul><li>Allein auf den <a href="https://infosec.space/tags/SEPA" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>SEPA</span></a>-Raum sich zu beschränken macht es zur Totgeburt und nutzlos außerhalb von EU & <a href="https://infosec.space/tags/EFTA" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>EFTA</span></a>...</li></ul><p><a href="https://infosec.space/tags/wirecard" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>wirecard</span></a> war zwar nen <a href="https://infosec.space/tags/Betrug" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>Betrug</span></a>, aber die boten sich <a href="https://infosec.space/tags/global" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>global</span></a> an, und solange <a href="https://infosec.space/tags/B2B" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>B2B</span></a> nicht Muster mit wero auf <a href="https://infosec.space/tags/Alibaba" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>Alibaba</span></a> / <a href="https://infosec.space/tags/AliExpress" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>AliExpress</span></a> kaufen können und <a href="https://infosec.space/tags/Kleinanzeigen" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>Kleinanzeigen</span></a>.de & <a href="https://infosec.space/tags/eBay" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>eBay</span></a> nicht wero in <em>"Sicher Bezahlen"</em> unterstützt wird's sich nicht durchsetzen können.</p><ul><li><a href="https://infosec.space/tags/Wildwuchs" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>Wildwuchs</span></a> funktioniert nicht, sonst hätte <a href="https://infosec.space/tags/Deutschland" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>Deutschland</span></a> nicht die <a href="https://infosec.space/tags/Lades%C3%A4ulenverordnung" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>Ladesäulenverordnung</span></a> erlassen müssen und <a href="https://infosec.space/tags/CCS2" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>CCS2</span></a> als gesetzlichen Standard > 3,7kW/h festlegen müssen!</li></ul><p>(Okay, das war zwar <span class="h-card" translate="no"><a href="https://ec.social-network.europa.eu/@EUCommission" class="u-url mention" rel="nofollow noopener noreferrer" target="_blank">@<span>EUCommission</span></a></span> aber das Prinzip ist gleich...)</p><p><a href="https://infosec.space/tags/Zahlungsmittel" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>Zahlungsmittel</span></a> sind <a href="https://infosec.space/tags/Infrastruktur" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>Infrastruktur</span></a>, sogar <a href="https://infosec.space/tags/KritischeInfrastruktur" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>KritischeInfrastruktur</span></a> und <span class="h-card" translate="no"><a href="https://social.bund.de/@BaFin" class="u-url mention" rel="nofollow noopener noreferrer" target="_blank">@<span>BaFin</span></a></span> täte gut daran offene, dezentrale Standards und Lösungen zu fördern und fordern. Gern auch in Zusammenarbeit mit @bundesbank@social.bund.de & <span class="h-card" translate="no"><a href="https://respublicae.eu/@ecb" class="u-url mention" rel="nofollow noopener noreferrer" target="_blank">@<span>ecb</span></a></span> ...</p>
Kevin Karhan :verified:<p><span class="h-card" translate="no"><a href="https://mastodon.online/@dideldum" class="u-url mention" rel="nofollow noopener noreferrer" target="_blank">@<span>dideldum</span></a></span> <span class="h-card" translate="no"><a href="https://social.tchncs.de/@leachimus" class="u-url mention" rel="nofollow noopener noreferrer" target="_blank">@<span>leachimus</span></a></span> gibt doch schon nen einheitliches Zahlungssystem innerhalb.von <a href="https://infosec.space/tags/EU" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>EU</span></a> & <a href="https://infosec.space/tags/EFTA" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>EFTA</span></a>: </p><p><a href="https://infosec.space/tags/SEPA" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>SEPA</span></a></p>
Kevin Karhan :verified:<p><span class="h-card" translate="no"><a href="https://mastodon.online/@dideldum" class="u-url mention" rel="nofollow noopener noreferrer" target="_blank">@<span>dideldum</span></a></span> <span class="h-card" translate="no"><a href="https://social.tchncs.de/@leachimus" class="u-url mention" rel="nofollow noopener noreferrer" target="_blank">@<span>leachimus</span></a></span> das sollte es auch, nur sollte <a href="https://infosec.space/tags/wero" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>wero</span></a> dazu nicht nur den <a href="https://infosec.space/tags/SEPA" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>SEPA</span></a>-Raum abdecken sondern wie <a href="https://infosec.space/tags/PayPal" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>PayPal</span></a>, <a href="https://infosec.space/tags/Stripe" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>Stripe</span></a> und <a href="https://infosec.space/tags/NowPayments" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>NowPayments</span></a> global verfügbar sein!</p><ul><li>Sonst ist es außerhalb von <a href="https://infosec.space/tags/EU" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>EU</span></a> & <a href="https://infosec.space/tags/EFTA" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>EFTA</span></a> nutzlos...</li></ul>
Kevin Karhan :verified:<p><span class="h-card" translate="no"><a href="https://social.tchncs.de/@leachimus" class="u-url mention" rel="nofollow noopener noreferrer" target="_blank">@<span>leachimus</span></a></span> ja, <a href="https://infosec.space/tags/SEPA" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>SEPA</span></a> ist noice aber leider nur in EU & EFTA verfügbar...</p>
Kevin Karhan :verified:<p><span class="h-card" translate="no"><a href="https://social.tchncs.de/@kuketzblog" class="u-url mention" rel="nofollow noopener noreferrer" target="_blank">@<span>kuketzblog</span></a></span> das größte Problem si d <a href="https://infosec.space/tags/Zahlungsdienstleister" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>Zahlungsdienstleister</span></a>.</p><ul><li>Wer mit mit <em>"<a href="https://infosec.space/tags/wero" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>wero</span></a> statt <a href="https://infosec.space/tags/PayPal" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>PayPal</span></a>!"</em> kommt, kauft offensichtlich nirgendwo online ein und außerhalb der <a href="https://infosec.space/tags/EU" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>EU</span></a> ist dies genauso wie <a href="https://infosec.space/tags/SEPA" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>SEPA</span></a> keine Option, sondern allenfalls lokale Nische alla <a href="https://infosec.space/tags/AliPay" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>AliPay</span></a> / <a href="https://infosec.space/tags/WeChatPay" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>WeChatPay</span></a> und nicht global verfügbar.</li></ul><p>Merke: rein regionale oder gar nationale Lösungen sind keine Alternative zum <a href="https://infosec.space/tags/VISA" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>VISA</span></a> / <a href="https://infosec.space/tags/MasterCard" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>MasterCard</span></a> / PayPal - <a href="https://infosec.space/tags/Tripol" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>Tripol</span></a> und sowohl <a href="https://infosec.space/tags/Stripe" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>Stripe</span></a> als auch <a href="https://infosec.space/tags/Klarna" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>Klarna</span></a> sind nicht wirklich konkirrenzfähig.</p><ul><li><a href="https://infosec.space/tags/WasFehlt" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>WasFehlt</span></a> ist eine genormte, globale <a href="https://infosec.space/tags/Payment" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>Payment</span></a>-<a href="https://infosec.space/tags/API" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>API</span></a> aber dazu wird es wegen <a href="https://infosec.space/tags/Gier" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>Gier</span></a>, <a href="https://infosec.space/tags/KYC" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>KYC</span></a> & <a href="https://infosec.space/tags/AML" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>AML</span></a> nie kommen…</li></ul><p>Eher werden wir <a href="https://infosec.space/tags/Monero" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>Monero</span></a> als <a href="https://infosec.space/tags/Zahlungsmittel" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>Zahlungsmittel</span></a> beim Durchbruch in den globalen Mainstream sehen!</p>
midor<p><span class="h-card" translate="no"><a href="https://nerdculture.de/@subetha" class="u-url mention" rel="nofollow noopener noreferrer" target="_blank">@<span>subetha</span></a></span> <span class="h-card" translate="no"><a href="https://berlin.social/@hjes" class="u-url mention" rel="nofollow noopener noreferrer" target="_blank">@<span>hjes</span></a></span> <span class="h-card" translate="no"><a href="https://troet.cafe/@kalivene" class="u-url mention" rel="nofollow noopener noreferrer" target="_blank">@<span>kalivene</span></a></span> Ich kannte <a href="https://mastodon.social/tags/FLIZpay" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>FLIZpay</span></a> bereits von <span class="h-card" translate="no"><a href="https://podcasts.social/@audiodump" class="u-url mention" rel="nofollow noopener noreferrer" target="_blank">@<span>audiodump</span></a></span> — ein Bezahldienstleister auf <a href="https://mastodon.social/tags/SEPA" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>SEPA</span></a>-Basis, deswegen gebührenfrei bzw. die üblichen Gebühren geben die Banken weiter/ „teilen sie“, iirc. </p><p>Bis auf zwei Ausnahmen (irgendwas mit Shoutermugge und Eckenstanz) kenne ich die teilnehmenden Shops nicht.</p><p>Sonderbar wirkt die Verifizierung eines Kontos in der App: der entscheidende Hinweis muss erst ausgeklappt werden. <a href="https://mastodon.social/tags/wero" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>wero</span></a></p>
Kevin Karhan :verified:<p><span class="h-card" translate="no"><a href="https://feddit.org/u/ShadyQuark" class="u-url mention" rel="nofollow noopener noreferrer" target="_blank">@<span>ShadyQuark</span></a></span> <a href="https://infosec.space/tags/N26" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>N26</span></a> is also run by <a href="https://infosec.space/tags/PeterThiel" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>PeterThiel</span></a> and I do recommend to just get a basic account if you already are in Germany.</p><ul><li>One doesn't even need a residency for that.</li></ul><p>Don't take my.word for it: <span class="h-card" translate="no"><a href="https://social.bund.de/@BaFin" class="u-url mention" rel="nofollow noopener noreferrer" target="_blank">@<span>BaFin</span></a></span> <em>is</em> the authority on that matter!</p><p><a href="https://www.bafin.de/EN/Verbraucher/Bank/Produkte/Basiskonto/basiskonto_node_en.html" rel="nofollow noopener noreferrer" translate="no" target="_blank"><span class="invisible">https://www.</span><span class="ellipsis">bafin.de/EN/Verbraucher/Bank/P</span><span class="invisible">rodukte/Basiskonto/basiskonto_node_en.html</span></a></p><p>The main problem is that banks in the <a href="https://infosec.space/tags/EU" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>EU</span></a> csn only do <a href="https://infosec.space/tags/SEPA" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>SEPA</span></a> and <a href="https://infosec.space/tags/SWIFT" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>SWIFT</span></a>, so if a recipient in in the <a href="https://infosec.space/tags/USA" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>USA</span></a> they may not even have an <a href="https://infosec.space/tags/IBAN" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>IBAN</span></a>!</p>
Kevin Karhan :verified:<p><span class="h-card" translate="no"><a href="https://topspicy.social/@alda" class="u-url mention" rel="nofollow noopener noreferrer" target="_blank">@<span>alda</span></a></span> OFC said Credit Card systems are in fact built up of a.lot of vanue-removing middlemen between the issuer and the main payment systems provider, including regional and national sublicensees...</p><ul><li>I mean, there are some <em>national-only</em> "comeptitiors" like <a href="https://infosec.space/tags/girocard" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>girocard</span></a> but they completely fall on their face when it comes to <a href="https://infosec.space/tags/OnlinePayment" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>OnlinePayment</span></a>.</li></ul><p>And whilst <a href="https://infosec.space/tags/SEPA" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>SEPA</span></a> <a href="https://infosec.space/tags/WireTransfer" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>WireTransfer</span></a> is available on almost all domestic [<a href="https://infosec.space/tags/EU" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>EU</span></a>]-wide shops, <a href="https://infosec.space/tags/InstantSEPA" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>InstantSEPA</span></a> (wthin 1 hour) is not always available and it can take up to 3 bank days to get transfers finalized at the recieving end.</p>
Daniel AJ Sokolov<p>Canadian <a href="https://social.heise.de/tags/Banks" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>Banks</span></a> don't know how to spell cerwis. Europe with the <a href="https://social.heise.de/tags/SEPA" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>SEPA</span></a> is so far ahead!</p><p>Thanks to <a href="https://social.heise.de/tags/regulation" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>regulation</span></a>.</p>
Kevin Karhan :verified:<p><span class="h-card" translate="no"><a href="https://mastodon.social/@yacc143" class="u-url mention" rel="nofollow noopener noreferrer" target="_blank">@<span>yacc143</span></a></span> <span class="h-card" translate="no"><a href="https://goblin.band/@javi" class="u-url mention" rel="nofollow noopener noreferrer" target="_blank">@<span>javi</span></a></span> <span class="h-card" translate="no"><a href="https://social.bund.de/@AuswaertigesAmt" class="u-url mention" rel="nofollow noopener noreferrer" target="_blank">@<span>AuswaertigesAmt</span></a></span> <span class="h-card" translate="no"><a href="https://social.bund.de/@Bundesregierung" class="u-url mention" rel="nofollow noopener noreferrer" target="_blank">@<span>Bundesregierung</span></a></span> which is of no concern since <a href="https://infosec.space/tags/Germany" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>Germany</span></a> does have <a href="https://infosec.space/tags/BankingSecrecy" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>BankingSecrecy</span></a>, <a href="https://infosec.space/tags/FATCA" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>FATCA</span></a> only applies to <a href="https://infosec.space/tags/US" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>US</span></a> citizens and a lot of consumer banks are <a href="https://infosec.space/tags/Cooperatives" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>Cooperatives</span></a> who themselves are not on the <a href="https://infosec.space/tags/SWIFT" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>SWIFT</span></a>, but <a href="https://infosec.space/tags/SEPA" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>SEPA</span></a> system, so no way for the <a href="https://infosec.space/tags/USA" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>USA</span></a> to veto that!</p><ul><li>And yes, <a href="https://infosec.space/tags/BasicAccounts" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>BasicAccounts</span></a> as per <span class="h-card" translate="no"><a href="https://social.bund.de/@BaFin" class="u-url mention" rel="nofollow noopener noreferrer" target="_blank">@<span>BaFin</span></a></span> apply to everyone who is ib Germany regardless of status (i.e. Tourist, Asylum Seeker, Homeless, Citizen or Wageworker)...</li></ul><p><a href="https://www.bafin.de/EN/Verbraucher/Bank/Produkte/Basiskonto/basiskonto_node_en.html" rel="nofollow noopener noreferrer" translate="no" target="_blank"><span class="invisible">https://www.</span><span class="ellipsis">bafin.de/EN/Verbraucher/Bank/P</span><span class="invisible">rodukte/Basiskonto/basiskonto_node_en.html</span></a></p>
Anopka<p>So sehr ich den <a href="https://social.tchncs.de/tags/Heidepark" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>Heidepark</span></a> auch mag, aber warum ist es nicht (mehr) möglich, an einer Tageskasse mit Bargeld ein Tagesticket zu kaufen?</p><p>Klar, es gibt noch einen Ticketautomaten vor Ort, aber dessen Kontingent ist begrenzt, also keine Einlassgarantie, und es werden dort auch nur Kartenzahlung und mobile Zahlungen akzeptiert, Bargeld explizit nicht.</p><p>Und Online Tickets? Geht nur via <a href="https://social.tchncs.de/tags/PayPal" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>PayPal</span></a>, Kreditkarte und SOFORT-Überweisung. Aber <a href="https://social.tchncs.de/tags/SEPA" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>SEPA</span></a> Überweisung oder wenigstens SEPA Lastschrift? Fehlanzeige.</p>
Kevin Karhan :verified:<p><span class="h-card" translate="no"><a href="https://infosec.exchange/@Chiquidrakula" class="u-url mention" rel="nofollow noopener noreferrer" target="_blank">@<span>Chiquidrakula</span></a></span> <span class="h-card" translate="no"><a href="https://kolektiva.social/@COSAntiFascists" class="u-url mention" rel="nofollow noopener noreferrer" target="_blank">@<span>COSAntiFascists</span></a></span> <span class="h-card" translate="no"><a href="https://neuromatch.social/@iris" class="u-url mention" rel="nofollow noopener noreferrer" target="_blank">@<span>iris</span></a></span> <span class="h-card" translate="no"><a href="https://infosec.exchange/@Em0nM4stodon" class="u-url mention" rel="nofollow noopener noreferrer" target="_blank">@<span>Em0nM4stodon</span></a></span> <span class="h-card" translate="no"><a href="https://mastodon.earth/@cryptoparty" class="u-url mention" rel="nofollow noopener noreferrer" target="_blank">@<span>cryptoparty@mastodon.earth</span></a></span> <span class="h-card" translate="no"><a href="https://chaos.social/@cryptoparty" class="u-url mention" rel="nofollow noopener noreferrer" target="_blank">@<span>cryptoparty@chaos.social</span></a></span> <span class="h-card" translate="no"><a href="https://mastodon.online/@thunderbird" class="u-url mention" rel="nofollow noopener noreferrer" target="_blank">@<span>thunderbird</span></a></span> </p><p><a href="https://infosec.space/tags/FACT" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>FACT</span></a>: It's not <em>real <a href="https://infosec.space/tags/E2EE" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>E2EE</span></a></em> unless you have100% <a href="https://infosec.space/tags/SelfCustody" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>SelfCustody</span></a> of <em>all the keys</em>!</p><ul><li>By contrast, <span class="h-card" translate="no"><a href="https://monocles.social/@monocles" class="u-url mention" rel="nofollow noopener noreferrer" target="_blank">@<span>monocles</span></a></span> are <a href="https://docs.monocles.eu/services/mail.service/#security_of_keys" rel="nofollow noopener noreferrer" target="_blank">upfront and honest</a> that <em>if you use their <a href="https://infosec.space/tags/WebMailer" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>WebMailer</span></a>'s built-in Encryption / Decryption, your Keys *will be stored on the Servers</em> [Something that <span class="h-card" translate="no"><a href="https://mastodon.social/@protonprivacy" class="u-url mention" rel="nofollow noopener noreferrer" target="_blank">@<span>protonprivacy</span></a></span> / <a href="https://infosec.space/tags/ProtonMail" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>ProtonMail</span></a> does too but tries to <em>leave out as a little detail</em>]...</li></ul><p>Thus <em>the correct way</em> as <a href="https://infosec.space/tags/monoclesMail" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>monoclesMail</span></a> says is to <a href="https://docs.monocles.eu/services/mail.service/#full_access_with_any_standard_client_of_your_choice_for_email" rel="nofollow noopener noreferrer" target="_blank">use your own client and keep your keys to yourself</a>.</p><ul><li>Cuz unlike <a href="https://infosec.space/tags/Proton" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>Proton</span></a>, <a href="https://infosec.space/tags/monocles" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>monocles</span></a> actually offer <a href="https://docs.monocles.eu/services/mail.service/#full_access_with_any_standard_client_of_your_choice_for_email" rel="nofollow noopener noreferrer" target="_blank">standard protocols</a> to use with <a href="https://docs.monocles.eu/services/mail.service/#client_setup" rel="nofollow noopener noreferrer" target="_blank">regular eMail clients</a></li></ul><p>Now OFC, monocles charge <a href="https://docs.monocles.eu/account/account/#comparison_chart" rel="nofollow noopener noreferrer" target="_blank">€2 p.m. for their starter account</a> but they <a href="https://docs.monocles.eu/account/account/#where_how_to_buy" rel="nofollow noopener noreferrer" target="_blank">also accept</a> <a href="https://infosec.space/tags/SEPA" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>SEPA</span></a> <a href="https://infosec.space/tags/WireTransfer" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>WireTransfer</span></a>, <a href="https://infosec.space/tags/Monero" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>Monero</span></a>, <a href="https://infosec.space/tags/CashByMail" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>CashByMail</span></a>, <a href="https://infosec.space/tags/Stripe" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>Stripe</span></a> and <a href="https://infosec.space/tags/PayPal" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>PayPal</span></a> for <a href="https://infosec.space/tags/payments" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>payments</span></a>, so it's pretty flexible and affordable given they don't put <a href="https://infosec.space/tags/ads" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>ads</span></a> in your <a href="https://infosec.space/tags/inbox" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>inbox</span></a> or invade user privacy!</p>
Kevin Karhan :verified:<p><span class="h-card" translate="no"><a href="https://social.anoxinon.de/@mit_scharf" class="u-url mention" rel="nofollow noopener noreferrer" target="_blank">@<span>mit_scharf</span></a></span> ja, eine <a href="https://infosec.space/tags/Bezahlkarte" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>Bezahlkarte</span></a> ist kein <a href="https://infosec.space/tags/Zahlungskonto" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>Zahlungskonto</span></a>!</p><ul><li>Ein Zahlungskonto hat grundsätzlich keine Begrenzungen was <a href="https://infosec.space/tags/Bargeld" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>Bargeld</span></a>-Verfügungen, <a href="https://infosec.space/tags/Lastschrift" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>Lastschrift</span></a>|en und <a href="https://infosec.space/tags/SEPA" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>SEPA</span></a>-<a href="https://infosec.space/tags/%C3%9Cberweisung" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>Überweisung</span></a>|en angeht (außer i.d.R. nicht-vorhandener Dispo)!</li></ul><p><a href="https://infosec.space/@kkarhan/113953505640960680" translate="no" rel="nofollow noopener noreferrer" target="_blank"><span class="invisible">https://</span><span class="ellipsis">infosec.space/@kkarhan/1139535</span><span class="invisible">05640960680</span></a></p>
WuMing2<p><span class="h-card" translate="no"><a href="https://mastodon.social/@burger_jaap" class="u-url mention" rel="nofollow noopener noreferrer" target="_blank">@<span>burger_jaap</span></a></span> while planning for vacation in Germany, for the first time with a rental EV, I bumped on their website. Via Chargeprice. </p><p>All information neatly available in English. But app is available on the German App Store only. </p><p>No email on the website. But visible on the Facebook page. That may have been an oversight. </p><p>Only accepted means of payment are credit cards. I see this conflicting with the lore of “prices directly from CPO to consumers”. <a href="https://mas.to/tags/SEPA" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>SEPA</span></a> ICT may have been more like it.</p>
Kevin Karhan :verified:<p><span class="h-card" translate="no"><a href="https://dragon.style/@anthracite" class="u-url mention" rel="nofollow noopener noreferrer" target="_blank">@<span>anthracite</span></a></span> good question.</p><ul><li>Personally, I don't know of any.</li></ul><p>Best I know is <a href="https://infosec.space/tags/NowPayments" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>NowPayments</span></a> as <a href="https://infosec.space/tags/Stripe" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>Stripe</span></a> is pretty much iffy at best.</p><ul><li>Otherwise I have the advantage of a <a href="https://infosec.space/tags/SEPA" class="mention hashtag" rel="nofollow noopener noreferrer" target="_blank">#<span>SEPA</span></a> account at a German bank and as recently confirmed you can get a <a href="https://www.bafin.de/EN/Verbraucher/Bank/Produkte/Basiskonto/basiskonto_artikel_en.html" rel="nofollow noopener noreferrer" target="_blank">Basic Account</a> even on a tourist visa.</li></ul><p>Tho you'd have to come in in person and OFC have all the KYC & AML stuff applying...</p><ul><li>Tho this only is for personal use, not commercial activities...</li></ul>
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