Payment system
-
Please incorporate different payment systems like iDeal or something of the like. Anyone who does not own a creditcard is as of yet unable to pay for membership, and this happens to be a rather large part of the non-American world..
-
Exactly this. Maybe add Paypal or something like that. Creditcards are almost non existant in europe and just getting one for only this website is not an option for me
-
@akayakaito Other payment options are on their list of to dos, it's just they're trying to get other parts of the site cleaned up as a higher priority if we go by what's been said in other threads on this topic.
-
I also don't understand this "credit cards don't exist in Europe" thing since multiple Europeans from various countries have said that it's very easy to go to a local convenience store and get a VISA gift card, which works on our site O.o
-
@akayakaito said in Payment system:
Exactly this. Maybe add Paypal or something like that. Creditcards are almost non existant in europe and just getting one for only this website is not an option for me
Uh, what? Just about every adult here has one, if not that then a debit card. Of course I only have experience of the Nordic countries, but I doubt Germany and other countries further south are that different in that aspect...
-
@korppi It varies a lot by country; in the UK (where I live), around 62% of adults have a credit card. And basically all of us have a debit card that's valid for online transactions (it's hard to get a bank account here that doesn't give you one of those).
But checking the credit card penetration rates for eastern Europe, I see (as of 2019, the most recent results google gave me) that the rate could go as low as 12% (in Romania, incidentally) of the adult population holding credit cards.
-
Speaking for Austria, that I had some experience with. Credit cards were not that common, and only got support for online payments with my debit card a couple of years ago.
IIIRC, I could ask for a VISA/MasterCard prepaid card to my bank, but I don't remember ever seeing a VISA gift card in a store (to be fair, I wasn't looking for it.)
Edit: to add, PayPal and Sofort would be the alternatives for online payments. But I presume cards are still the most common option regardless.
-
To be fair, places don't always advertise visa/MC gift cards as such. A lot of places that sell some sort of mall gift card actually ends up being a visa or mastercard pre-paid card. Though if the card requires 3D secure for online transactions, I don't think JNC has that implemented just yet, so it's not exactly guaranteed to work even if the card has a visa/MC logo on it.
-
Since people are picking on that, I should maybe explain and correct that.
It is not commonly used in germany. Like only some people use it.
https://www.cardgate.com/en/the-most-popular-payment-methods-in-germany/ as a source. Creditcards are in generell in this part of europe rather badly received. It has the stereotype as a debt trap, while most common banks want a fee for it.
It does have some uses, like paying in other countries where there is no euro.Edit: https://ecommercenews.eu/online-payment-methods-europe/#:~:text=Sign up now!-,Popular online payment methods in Europe,bank credit and debit cards.
It is wild how split the countries in Europe are, while some do really use it more, it is only the favorite of 4 countries to use credit cards -
@akayakaito said in Payment system:
It has the stereotype as a debt trap
I can't say they are wrong on that.
Once your expenditures exceed your ability to pay during a given period...
It's very hard to dig yourself out of the hole.Speaking from personal experience, anyway.
-
Well I don't know what it's like in Europe, but in North America the line between a debit and a credit card is somewhat blurred with most of the banks issuing Visa Debit cards now. They are for all intents and purposes Visa credit cards, but they draw off your bank account funds rather than having a credit limit. This can be problematic for online retailers that like to put a lot of authorization holds on your card (like Walmart) as it can tie up hundreds of dollars in funds on your account since they might issue 3 or 4 holds in sequence.
-
I want chime in to this thread as well. Being European and German to be exact. As others pointed out credit cards are not really a thing here. You can get them no problem, but they are not commonly used. French people from what I know really like credit cards. Adding something for us Europeans would be nice I think.
Especially since you use Stripe anyway it should also not really a headache to implemented wouldn't it?
https://stripe.com/pricing/local-payment-methods From what I can gather from this site stripe does support SEPA Direct Debit, which would be the most universal Solution for Countries in Europe. A lot of countries here are part of SEPA.It is also cheaper* in terms of fees than either foreign credit cards or Apple and Google Pay.
If we consider using a foreign account and a conversion to Euro would be required you should be looking at these numbers:
credit cards: 2,9% + $0,30 + another 2% for conversion and foreign card
Apple / Google Pay: basically the same as cards.
SEPA direct debit would be: 0.8% + $0,30 + another 2,5% for conversion and international payment.I don't want to forget a caviat from SEPA direct debit. Chargebacks are quite expensive since Stripe says: "We charge $10.00 for failed or disputed SEPA Direct Debit payments."
I would really love to hear why you guys don't want to use stripe to its fullest, since you are using it anyway? I remember to hear that you also have quite some customers here in Europe. Some love for us would be nice. Thank you to all your work with the new coins system making it atleast easier to buy them.
-
@stefan230 I would imagine the problem is not that they don't want to use stripe to it's fullest, but more that the payment system is still basically using the original code that was thrown together when JNC got founded so it's not really in any condition to just add the code to support all these other things. Basically the payment system code they're using needs a full rewrite, and unfortunately up until now, there are other higher priority things to get re-written. I can only imagine that now that the web site front end has been overhauled, the web service backend has been overhauled, the credit system has been overhauled and the app store apps have been overhauled, the payment system is nearing the top of the list as their next to do action.
-
@jpwong basically this. I've been doing a lot of work to move us off the old code, which uses an old enough stripe version that is fundamentally incompatible with these new payment methods
-
@jpwong said in Payment system:
@stefan230 I would imagine the problem is not that they don't want to use stripe to it's fullest, but more that the payment system is still basically using the original code that was thrown together when JNC got founded so it's not really in any condition to just add the code to support all these other things. Basically the payment system code they're using needs a full rewrite, and unfortunately up until now, there are other higher priority things to get re-written. I can only imagine that now that the web site front end has been overhauled, the web service backend has been overhauled, the credit system has been overhauled and the app store apps have been overhauled, the payment system is nearing the top of the list as their next to do action.
All they ask is that you rebuild the entire system from scratch in six weeks.
No bugs allowed, and you have to maintain the existing system at full capacity level while under a continuous DDOS attack the entire time.Sounds like a normal day in IT to me.
