Tja, eBay, das war’s dann wohl mit uns….

eBay kassiert von Käufern künftig selbst

“Wer künftig etwas auf eBay kauft, soll den Kaufpreis nicht an den Verkäufer, sondern an eBay zahlen. Der Onlinemarktplatz schüttet das Geld dann an die Verkäufer aus. Das gilt unabhängig von der Zahlungsmethode, so dass Käufer bei jeder Bezahlung von eBay abgesichert werden.

Der neue Zahlungsprozess soll das bisherige Prozedere ab Sommer ersetzen.

EBay will mit der neuen und sehr an Amazon erinnernden Zahlungsabwicklung seinen Käufern einen besseren Schutz und mehr Konsistenz beim Handel ermöglichen. Erhält der Käufer einen Artikel trotz Bezahlung an eBay nicht oder weicht der Artikel erheblich von der Artikelbeschreibung ab, erhält er den Kaufpreis inklusive Versandkosten von eBay zurück.”

Und das nach über tausend Bewertungen…. ich bin ja mal gespannt wie viele neue Mitarbeiter die dann einstellen, um die ganzen Beschwerden zu behandeln. Man muß sich das mal klarmachen – jede Kommunikation (egal wie schwierig), die heute zwischen Käufer und Verkäufer abläuft, hat zukünftig eBay als weiteren Ansprechpartner. Das muß doch ein enormes Volumen sein! Dazu noch das Gefummel wenn die Überweisung mal wieder einen unklaren Betreff hat, oder die Bank die Zahlung wegen nicht ganz korrektem Empfängernamen ablehnt.

Dazu noch Verkaufsgebühr + erzwungene PayPal-Gebühr – das lohnt nur noch in seltenen Fällen.

Wie sieht das denn dann rechtlich aus – bisher ist eBay ja quasi nur ein Kleinanzeigenblatt, das komplette Geschäft läuft zwischen Käufer und Verkäufer. Wenn da eBay jetzt mitspielt, welche Ansprüche entstehen dann Käufer und/oder Verkäufer? Wer haftet wofür? Wie sieht es im Streitfall aus, wenn der Verkäufer korrekte Ware verschickt hat, der Käufer jedoch Mängel geltend macht (ob echte oder fiktive)?

Das kann nur in die Hose gehen…

sendsocial – PayPal for parcels

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What a friggin great idea! sendsocial takes PayPal’s idea of using your email address for payments one step further and allows you to send parcels to an email address or a twitter ID (provided the recipient has registered).

Not only is this great from a privacy perspective, it also allows you to interact with the delivery process, send status updates and similar things. Imagine receiving a tweet that says “we just delivered your parcel from @sender. You can pick it up from your friendly neighbour, Mr. Wilbour.” – genius.

The next step of course is that when you check out from any online vendor, your email address will be all that they need, both for payment and delivery. No more stupid forms where I have to pick a US state because the programmer made it a mandatory field, though useless anywhere else in the world.

Love it. When does it come to germany?

I’m a credit card fraud victim

So it finally hit me as well. Two days ago my bank called me and informed me that they suspected my credit card data had been used illegally.

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I once heard that if you want your credit card to be locked, fill up your tank at a gas station and then go and buy some sneakers. Supposedly that’s a typical behaviour for someone who found a credit card, and it seems there’s something to it.

Well, that had to happen at some point, right? I know what some of my friends will be saying – “you and all your online activities”, “you’re too careless with your personal data” and all that. And that as a former ePayment expert…

So, am I going to change my credit card use? Most likely not. Most of my online transactions are with (rather) trustworthy partners like Amazon.com, or they go through PayPal or similar services that hide my credit card data.
It’s just much more likely that my credit card data was acquired by some dumpster diver in a Starbucks in the US or that small mexican restaurant I’ve been dining in Denmark lately. POS is still the main point of careless credit card data management.

Actually, most of the fraud has to be attributed to the fact that the credit card issuers simply don’t care enough. Smart card based authentication has been available for more than 10 years, but credit card companies fear that taking away the possibility to just enter the card number will lower their transaction volume (they’re probably right).
So we’ll have to stick with the hassle and they’ll gladly cover the risk, just because it’s cheaper.

Weird world, isn’t it?

Why does eBay not trust PayPal?

I’m registered with eBay germany, and for a few weeks now, I have been receiving reminders that my credit card has expired.

Funny enough, the only way to get rid of that message seems to be to enter a new credit card. I don’t want to do that. eBay receives my payment through direct debit, which should be good enough – why do they need a second payment option.

Given that they seem to require you to do PayPal for lots of places or items (iPhones in germany, for example), why don’t they offer PayPal as an option for my fees?

Strange.

PayPal Mobile launches

Now, didn’t I say so? ;)

PayPal Mobile has launched, albeit not in germany yet.

I have to disagree with Carlo’s judgement, though: the breakthrough in this isn’t that it’s mobile, it’s getting instant confirmation of a payment, thus speeding up commerce. This has been tried before with paybox and eBay in germany, and it worked just great.

Combine that with other accelerators like SemaCode to create a “point, shoot and buy” device, and you’re onto something.

Now bring it to germany, Mathias, will you?