I use payment app that creates interest/financial profile and give me ads (probably) based on my payments for offline.

They give 2% cashback. As a broke student, it’s very important.

And for online, i use my debit card. This probably isn’t the best way, but privacy.com isnt available here 🙁

How do you deal with your payments?

*English isn’t my first language, please understand errors

  • blank_sl8@lemmy.ml
    5·
    3 years ago

    I try to find services that accept Bitcoin as much as possible. When buying things, places like /r/giftcardexchange are nice, you can often get things at a discount as a matter of fact.

  • onlooker@lemmy.ml
    5·
    3 years ago

    I use SEPA where I can. For everything else, I use cryptos (usually Bitcoin or Nano) and coinsbee. That seems to cover most of my bases.

  • handvat@lemmy.ml
    4·
    3 years ago

    I basically use cash wherever possible, otherwise by debit card, iDeal (almost all Dutch webshops accept it), SEPA and as a last resort PayPal, even though I despise that company.

    I feel bad for everyone who has to use credit cards. While you do get cashback, some form of insurance and possible some rewards for using them, you as a consumer basically have to pay for it due to stores increasing prices due to the high transaction costs (I believe about 3% of the transaction, but It’ll likely be different for everything else).

    Compare that to the Netherlands, where as far as I’m aware, stores have for debit cards a flat transaction fee of about €0,15 per transaction and a monthly fee. Although that obviously differs from payment provider to payment providers, a store for which I work has a monthly fee plus one for closing a shift.

    Anyways, due to the cheaper costs of accepting debit cards almost every store accepts them, while credit cards mostly aren’t accepted in physical stores. It seems like most Dutch web shops do accept them, but most people here don’t have credit cards at all. I assume they are mainly for people who buy outside of the Netherlands.

    This is also the reason why I have PayPal. It sucks, but it sucks less for me than a credit card and is widely accepted.

    • freely@lemmy.ml
      1·
      3 years ago

      Can’t you do an in-person trade of fiat for a coin, or is that illegal where you live?

      • hellojack@lemmy.mlOP
        1·
        3 years ago

        Thanks for suggesting such interesting site, but i cant find any atm in my country.

        It’s legally required for cryptocurrency sellers to check customer’s identity just like banks.

        • blank_sl8@lemmy.ml
          2·
          3 years ago

          Buy some gift cards and sell them online, for example on reddit’s /r/giftcardexchange

        • onlooker@lemmy.ml
          1·
          3 years ago

          Ah, that’s a bummer. The only other thing I can think of are paysafe cards. No ID required and you might be able to get them at one of your local stores, BUT before you get one you should make sure the seller supports them. I’ve used them to top up my Steam and GOG account, for example.

          You can find out if paysafe cards are sold in your vicinity here: https://www.paysafecard.com/en-us/buy/

          Other than that, I’m sadly out of ideas. Good luck!