Comment by anal_reactor
3 hours ago
> Wero is basically an EU-wide version of the Dutch iDeal system, which in my opinion is the gold standard of how internet payment should work.
For some reason, most Dutch people are convinced that the way things work in the Netherlands is the gold standard of how things should work in general, and are very hostile to solutions from other countries even if those solutions are better by any sensible metric. This is especially painful when a less developed country does leaps around NL in some aspect, like:
1. In Poland, you don't need to carry any documents with you because if policeman stops you, he has access the police database anyway. This includes driving license.
2. Even if you really want to show a document, you can do it gasp on your phone screen with the official government app.
3. Albert Heijn, the most popular supermarket chain, started accepting Visa and MasterCard in 2023. Not in 2003, in fucking 2023.
4. The adoption of paczkomaty is pathetic and when you have a delivery the expectation is that you're supposed to sit and wait the entire day at home.
5. iDeal launched 2005. Przelewy24 launched in 2004. They function in exactly the same way.
In reply to .3: bancontact is nearly free per operation, but credit card were percentage heavy fee per transaction... That's why. And don't forget that the Netherlands, Belgium and Luxembourg will prefer debit over credit for payment.
Don't forget that the banking world is still under a lot of pressure from the various government (systemic risk assessment for example) and the stakeholders. It's a mess!
3. Yeah, the previous system we used was just too cheap and efficient. Credit cards are still not common.
4. We're indeed a bit later than elsewhere, but there are many now.
/rant? :-)
1. sounds nice though! But how do they verify that it's actually you? Just matching the photo manually? People are terrible at that. Or do they scan a fingerprint?