In Poland barely anyone uses cards for online payments. There are couple of different options: one-time automatic transfers that support major banks, BLIK (payment via one-time code), etc.
Exactly, and it works well. Unfortunately as a customer you don't have the level of protection with these services a CC or a specialised top up "virtual" debit card has. Charge backs etc. It's one of the reasons why these alternative payment methods are a lot less risky to process and therefore cheaper for the merchants.
So it makes me wonder why global companies like Google are so "credit card" centric. For example. You can attach a debit card as a payment mechanism for Google cloud services, but it can't be a top up one... Why? It is very annoying I have to open an extra account with overdraft block just to maintain some control on the spending if they suddenly decide to charge a wrong amount.
> Unfortunately as a customer you don't have the level of protection with these services a CC or a specialised top up "virtual" debit card has.
Generally, you'd have to have your bank account hacked to have a reason to reverse a charge on these types of systems. It happens, but very, very rarely and the banks have a lot of reasons to make sure it doesn't happen. That or you gave money to a scammer and that's your own fault (but they'll still help you).
This is why the fees are much, much lower. Often these systems even verify that you actually have the money and can transfer the amount to your business bank account on the same day. You can't do that with credit cards.
Roark66|2 years ago
So it makes me wonder why global companies like Google are so "credit card" centric. For example. You can attach a debit card as a payment mechanism for Google cloud services, but it can't be a top up one... Why? It is very annoying I have to open an extra account with overdraft block just to maintain some control on the spending if they suddenly decide to charge a wrong amount.
withinboredom|2 years ago
Generally, you'd have to have your bank account hacked to have a reason to reverse a charge on these types of systems. It happens, but very, very rarely and the banks have a lot of reasons to make sure it doesn't happen. That or you gave money to a scammer and that's your own fault (but they'll still help you).
This is why the fees are much, much lower. Often these systems even verify that you actually have the money and can transfer the amount to your business bank account on the same day. You can't do that with credit cards.