this post was submitted on 30 Jul 2025
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Some good news from Poland! Polish local payment system is used in 71,1% of online transaction while US-based cards, apple pay and google pay have lost 0,5% market share in last year (infosec.pub)
submitted 4 days ago by Blaze@piefed.zip to c/buyeuropean@feddit.uk
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[โ€“] huppakee@feddit.nl 3 points 3 days ago (2 children)

So I can 'read' the horizontal axis (q1 '24, q4 '24, q1 '25 - the upper red bar is the most recent data), but not the vertical one (except Apple and Google Pay), could someone help me out? Might not matter much but it'd like to know how the data is categorised.

[โ€“] SystemOfAnUp@sh.itjust.works 6 points 3 days ago (1 children)

It's (from top to bottom), blik, payment cards (including Google Pay and Apple), open banking transfers, and pay-by-links.

In Poland, Blik is the easiest way to pay online, it works by getting a one time 6-digit code from your banking app on your phone and typing it in the payment text box. Then you (in the banking app) get a notification with payment details, asking you to confirm. The best part is, that you can then save the account as the default in a cookie in your browser, so every time you pay with blik in the future, you no longer have to providr the code, you just get a notification. Much easier than cards IMO. Myself, wherever available and even Steam supports Blik nowadays), I prefer to pay with Blik.

Incomes with a downside of course, Visa and Mastercard customer protections (especially chargeback possibility) are better, though I've never had problems with Blik yet.

[โ€“] abeorch@friendica.ginestes.es 1 points 3 days ago

@huppakee @SystemOfAnUp This is interesting as you point out one of the reasons that people use Credit Card Payment networks is the consumer protection that comes from credit contract legislation. That has a cost ( It costs the banks to provide the protection) which os recovered through the payment processing charges paid for by the merchant and I guess also offset by interest charges earned from the card user. But what if the card issuer could offer that protection independlty of the payment network and/or recover the cost some other way (either from the merchant or the card user)