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tiramichu@lemm.ee ⁨4⁩ ⁨months⁩ ago

Yeah I don’t get PayPal either.

Who is the ‘first party’ in this case? eBay, or like, the banking system as a whole?

If it’s the whole banking system then I’m not sure how that’s solved, because as I understand in the US it’s still not easy to send money to another private individual via the banking system. And there are Venmo and cashapp and such now but they are just other third parties.

Meanwhile in the UK here it has been possible for decades to send money between bank accounts directly, and free. I use PayPal though, because my use case for it isn’t sending money to individuals, it’s being able to buy things online without creating an account and without giving my card details.

Maybe people are thinking in phone terms, and the first party is “Apple” or “Google” and the solution is Apple Pay or Google Wallet?

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