• UnderpantsWeevil@lemmy.world
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    2 months ago

    Great if you don’t mind a wallet overflowing with loose change.

    Crazy that we don’t have a public sector payment processor, though. You’d think we could have a Generic Card tied to a public bank that handles electronic payments efficiently. But it’s been over 40 years since we began consumer grade electronic transactions and its still entirely within the scope of the private sector.

      • Mantzy81@aussie.zone
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        2 months ago

        Hello fellow Aussie/Kiwi. No, they don’t. Or they kinda do but call it something else and it still usually runs through a middleman rather than a direct bank-to-bank transfer - E.g Visa’s Visa Debit or MasterCard’s Maestro. EFTPOS still doesn’t work online unless using a middleman either, like PayPal or Square.

        • Taleya@aussie.zone
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          2 months ago

          yeah I know eftpos doesn’t work online but they were discussing in person transactions at costco.

          not having eftpos? Eeeeewwwww. Fucking backwards barbarians.

    • wabasso@lemmy.ca
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      2 months ago

      Interac isn’t too bad right? I agree with you that sort of service should be public, but I heard (years ago) that Interac is non-profit.

      Edit: I should have just checked before posting: “Interac and Acxsys were combined into a single for-profit organization, Interac Corporation, on 1 February 2018”

      Still, talking to vendors, it sounds like the fees are quite low, and I try to pay debit when it’s a small business.

      • UnderpantsWeevil@lemmy.world
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        2 months ago

        Interac is non-profit.

        OpenAI started out as non-profit. Quite a few health insurance companies (Blue Cross Blue Shield, for instance) are organized as non-profits.

        shrug

        Still, talking to vendors, it sounds like the fees are quite low, and I try to pay debit when it’s a small business.

        Sure. All good when it works for you. But this isn’t some kind of wholesale replacement for Visa that doesn’t run the obvious risk of becoming Visa 2.0 (or whatever X.0 iteration of credit card companies we’re currently on).

        • wabasso@lemmy.ca
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          2 months ago

          One of the things I heard Musk say was that it shouldn’t be possible for a non-profit to just be converted into for-profit. Have to agree with him on that.

          • UnderpantsWeevil@lemmy.world
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            2 months ago

            Musk was upset that his control over the company would be ceded to a broader pool of public investors. He’s got no problem with privatization and securitization when it fattens his wallet.

            • wabasso@lemmy.ca
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              2 months ago

              That indeed helps maintain a more consistent picture of how he’s a douche. Still sucks a benevolent founder of a non-profit can’t stop enshittification in the long run.