this post was submitted on 22 Jun 2024
390 points (94.9% liked)

Mildly Infuriating

35589 readers
608 users here now

Home to all things "Mildly Infuriating" Not infuriating, not enraging. Mildly Infuriating. All posts should reflect that.

I want my day mildly ruined, not completely ruined. Please remember to refrain from reposting old content. If you post a post from reddit it is good practice to include a link and credit the OP. I'm not about stealing content!

It's just good to get something in this website for casual viewing whilst refreshing original content is added overtime.


Rules:

1. Be Respectful


Refrain from using harmful language pertaining to a protected characteristic: e.g. race, gender, sexuality, disability or religion.

Refrain from being argumentative when responding or commenting to posts/replies. Personal attacks are not welcome here.

...


2. No Illegal Content


Content that violates the law. Any post/comment found to be in breach of common law will be removed and given to the authorities if required.

That means: -No promoting violence/threats against any individuals

-No CSA content or Revenge Porn

-No sharing private/personal information (Doxxing)

...


3. No Spam


Posting the same post, no matter the intent is against the rules.

-If you have posted content, please refrain from re-posting said content within this community.

-Do not spam posts with intent to harass, annoy, bully, advertise, scam or harm this community.

-No posting Scams/Advertisements/Phishing Links/IP Grabbers

-No Bots, Bots will be banned from the community.

...


4. No Porn/ExplicitContent


-Do not post explicit content. Lemmy.World is not the instance for NSFW content.

-Do not post Gore or Shock Content.

...


5. No Enciting Harassment,Brigading, Doxxing or Witch Hunts


-Do not Brigade other Communities

-No calls to action against other communities/users within Lemmy or outside of Lemmy.

-No Witch Hunts against users/communities.

-No content that harasses members within or outside of the community.

...


6. NSFW should be behind NSFW tags.


-Content that is NSFW should be behind NSFW tags.

-Content that might be distressing should be kept behind NSFW tags.

...


7. Content should match the theme of this community.


-Content should be Mildly infuriating.

-At this time we permit content that is infuriating until an infuriating community is made available.

...


8. Reposting of Reddit content is permitted, try to credit the OC.


-Please consider crediting the OC when reposting content. A name of the user or a link to the original post is sufficient.

...

...


Also check out:

Partnered Communities:

1.Lemmy Review

2.Lemmy Be Wholesome

3.Lemmy Shitpost

4.No Stupid Questions

5.You Should Know

6.Credible Defense


Reach out to LillianVS for inclusion on the sidebar.

All communities included on the sidebar are to be made in compliance with the instance rules.

founded 1 year ago
MODERATORS
 

About 3 or 4 years ago PayPal added the option to buy cryptocurrency, which I thought I’d try. (Dumb idea 🙄)

Part of the sign up process was glitched. I retried and clicked submit one too many times, I guess. Now I’ve been unable to use PayPal for years. They blocked me because THEIR SITE was broken, but the web page essentially accuses me of being a criminal and asks for my bank records. No way in hell.

This was just for me to pay others. I can only imagine how awful PayPal is if you are a vendor.

Fuck PayPal.

you are viewing a single comment's thread
view the rest of the comments
[–] GreatDong3000@lemm.ee 76 points 5 months ago (8 children)

What is the use case for PayPal in the US? Here in Brazil we pay everything with credit card or bank transfer with a QR code. People can transfer money to you from any bank 24/7 instantaneously with just your email or phone number without any fees. Is that different in the US?

[–] eager_eagle@lemmy.world 80 points 5 months ago* (last edited 5 months ago) (1 children)

The banking system in the US is a legacy mess. Transfers still take business days to go through and making your bank account # and routing information available is actually a security concern, honestly I don't even know why that's still a thing.

Products like PayPal and Plaid try to provide something that is slightly more usable, but with this underlying obsolescence their functionality is very limited.

When paying for services, credit cards are still the way to do it. For P2P payments, people use PayPal, Venmo, Cash App, and others. Nothing even close to a unified system like Pix in Brazil.

[–] Reverendender@sh.itjust.works 24 points 5 months ago (5 children)

There is Zelle, which is instant bank to bank. It's fairly widely available from one's financial institution, and it doesn't cost anything, but it's not terribly well known yet for some reason

[–] SirEDCaLot@lemmy.today 11 points 5 months ago

Zelle works pretty good, the main problem is the security limits.
Let's say you hire somebody to build a shed for $5,000.
You can't just pay him $5,000. The first day maybe you can pay him $1,000, then the next day you can pay him another $1,500, then you've reached the 30-day maximum for a new contact so you have to wait till day 31 to pay him the other $2,500. After that if you want another shed you can pay the $5,000 instantly.

[–] intensely_human@lemm.ee 10 points 5 months ago (2 children)

They named it after gazelle, which is a herd prey animal. That causes it to slip away from attention when it’s mentioned.

If they’d called in Bonko or something it would stand out in people’s memories more. Bonko, bright orange icon, it would spread by wildfire. Nobody would forget that name.

There are no hard consonants in the word. Synaesthetically, it’s a blue-purple word. Cool, muted. It’s a word that, even before the “gazelle” reference, is hiding there. Your mind slips over it without friction. It enters and leaves your mouth and your mind like a fish passing under the sparkling water, nearly unnoticed.

Terrible brand name. I mean, it does convey a little more safety than “Bonko” but the whole point with the unsafe sounding name is it causes the person to consciously ask “How safe is it?” and if you can answer that immediately with “Safer than Ft Knox” then it becomes part of the brand consciously.

Zelle is non-threatening, but that’s not the same thing as safe when it comes to business or finances.

What’s a good safe, energetic, competent, orange word for this service? Hmm. Bonus points if it’s intuitively self-descriptive.

How about “Paytag”. It’s yellow but whatever. Still might not be better than Bonko.

[–] ilega_dh@feddit.nl 13 points 5 months ago (1 children)

I want some of whatever you’re on

[–] intensely_human@lemm.ee 12 points 5 months ago

Bonko me $20 and I’ll send you some

[–] hex@programming.dev 2 points 5 months ago (1 children)
[–] intensely_human@lemm.ee 1 points 4 months ago

There you fuckin go, that’s perfect!

Except it could be forgotten after just being heard once.

It’s a beautiful word. Gorgeously orange. With just a hint of collapsing chocolate cake.

Trango 👈👈

[–] atrielienz@lemmy.world 8 points 5 months ago

It is until you end up having to blacklist zelle because your banking information was used to defraud someone. I actually had my account broken into, funds deposited from zelle and then all available funds removed from my account in the space of about an hour. Went to pay for something the day after and had to call my bank's fraud department. They tried the same thing with a second account of mine but it was flagged immediately when they tried to use the same login credentials (they weren't remotely the same). So no zelle for me. It's permanently disabled by both my banks for security reasons.

[–] Cryophilia@lemmy.world 4 points 5 months ago

Zelle blacklisted me for similar reasons as this guy lol

[–] ApeNo1@lemm.ee 27 points 5 months ago (2 children)

Aussie here. One reason I use PayPal is for subscriptions (streaming services etc) to avoid the headache of updating credit card details in multiple places when I change bank, credit card renews, etc. just change it in PayPal once and every subscription keeps working.

[–] dubyakay@lemmy.ca 4 points 5 months ago

Why'd I never think of this?!

[–] Wooki@lemmy.world 0 points 5 months ago (2 children)

Why would any one use bank details that can’t be cancelled for online services? Pay pal is worse. Will hold your money ransom. Being able to cancel payment method is very important, best is unique payment method for each service.

[–] ApeNo1@lemm.ee 2 points 5 months ago* (last edited 5 months ago) (1 children)

Except that you can …

Cancel auto payments

Edit: I get you. You mean multiple cards within PayPal itself per vendor. Yeah, that seems like similar effort but at least you can see everything in one portal. I have a single card linked with just enough limit to cover subscriptions and the odd internet purchase.

[–] Wooki@lemmy.world 0 points 5 months ago* (last edited 5 months ago)

Good luck with that. Its got no guarantee of working and can be ignored and it does.

Paypal is cancerous middleman. You do not need and on those rare occasions where you want to risk the transaction, never link it to your bank account. Use disposable prepaid services.

[–] GreatDong3000@lemm.ee 2 points 5 months ago* (last edited 5 months ago) (1 children)

Agree, where I live for recurring subscriptions most people use "digital credit cards" that you generate on your banking app and they have short expiration dates or you can cancel them and generate a new one anytime you want. That's good because there are so many services that make it a pain in the ass to cancel a subscription so you just delete the card from existence.

[–] Wooki@lemmy.world 1 points 5 months ago* (last edited 5 months ago)

Exactly!

I’m looking squarely at Adobe and other companys who fraudulently represent services, because nothing is a product any more and extorting money by charging rent or stealing IP is the new white collar crime.

[–] vxx@lemmy.world 22 points 5 months ago (1 children)

It's used for Internet purchases, so you don't have to give your billing information some random site that might get hacked.

[–] ChairmanMeow@programming.dev 9 points 5 months ago

PayPal passes most billing information to the store where you purchased from. Card info is excluded, but in most cases PCI compliance checks ensure that card info is stored securely (or not at all).

[–] mycodesucks@lemmy.world 13 points 5 months ago (1 children)

In my experience, their consumer protection is great.

PayPal has been absolutely instrumental for me in issuing refunds with obstinate vendors. Once or twice they've issued me a refund after being refused a return/refund when an Aliexpress vendor either sent the wrong item or nothing at all.

I even got them to secure me a refund against the Australian government after they refused to issue a refund after directing me to apply for a tourist visa with the wrong visa process.

[–] Skates@feddit.nl 6 points 5 months ago (1 children)

I even got them to secure me a refund against the Australian government after they refused to issue a refund after directing me to apply for a tourist visa with the wrong visa process.

I love this result. It's really damn hard to protect yourself from government failure, especially in cases where you are owed money. It's awesome that you not only got your money back, but also got to play the "fuck you, if you take my lunch money you can fight my big brother" card.

[–] mycodesucks@lemmy.world 8 points 5 months ago

I felt the same way. I was VERY happy with that outcome. I won't say PayPal earned my LOYALTY with that, because loyalty to ANY company is stupidity, but at the very least they earned my respect for the time being. Of course, I reserve the right to revoke it at any time.

[–] technomad@slrpnk.net 9 points 5 months ago

🤣🤣🤣

Here in the US our banks are draconian. We just struggle through it I guess 🤷‍♂️

[–] Showroom7561@lemmy.ca 8 points 5 months ago (1 children)

What is the use case for PayPal in the US?

It gives businesses a very easy to way to set up monthly payments, one-time donations, accept forms of payments other than e-transfer (which many people don't want to use), allows for international purchases without being penalized, and more.

Other options are available, but they are neither easy/cheap/convenient for the business or any better for the customer.

[–] GreatDong3000@lemm.ee 2 points 5 months ago

I see. From that list the international purchases is a good reason to use PayPal in Brazil. I only have an account there because like 6 years ago I needed to pay for a TOEFL certification and without an international card the only way was PayPal so it worked pretty nicely. Never had to use it after that tho. Hope you guys get a better alternative so PayPal can die a horrible death.

[–] Steve@startrek.website 7 points 5 months ago

Yes its different. Sending money electronically is a mess of apps and limits and fees.

[–] possiblylinux127@lemmy.zip -4 points 5 months ago

Brazil is younger