Posts by Jerry Wilson5

ironcyclist58 said:That’s not quite how it works. With PayPal, you’re constantly typing in passwords, and if you actually use 2FA—which you really should—you’re pulling your phone out anyway. Not to mention how PayPal loves to "helpfully" switch your conversion settings on its own to use their crappy exchange rates... so you end up having to double-check and fix it every single time. Just more friction in the system...

Man! That’s exactly what I was looking for but couldn't find anywhere! Apparently, they scrubbed that setting from the new site, or maybe I'm just blind. I actually stopped using PayPal because of that exact headache...

Are you kidding me?! Chase is hitting me with a fee for... $5.25 Anyone else seeing issues pulling cash through Revolut? What’s the deal with that $200 fee-free limit? Anyone else in the States actually using this, because I haven't seen anything like it at Chase or any other bank.

rowdyhawk14 said:PayPal isn't working for me right now. It keeps saying it can't authorize the amount on my card. Anyone else running into this?

Everything should be fine; I'm not seeing any issues.
Which card are you using? Just remember cards have limits. Diners Club is especially annoying—it sets some really weird limits...

Keith Morales said:Is there any way to kill off 3D Secure for every single parking payment? It’s a total killer for convenience. I'm using my Zabin maestro card

The easiest fix right now is just adding a card that doesn't require it—basically any credit card will work. As far as I know, all Mastercard cards require 3DS.

mistydrifter56 said:I don't know, I’d probably just give it a shot and see what happens... I’ve been using my Chase Mastercard and it goes through without any 3D Secure prompts. I actually used it to pay for parking just this morning.

A "Mastercard credit card" is totally different from a "Visa" debit card.

Credit cards don't require 3DS (for now, anyway), but a Visa does.

ironcyclist58 said:I noticed that when you're requesting money, you can pick which account it goes into. I don't really use the request feature much, but if the funds from that request land in the chosen account regardless of any changes made to the primary account in the meantime, that might be a partial fix for my issue...

Yeah, the cash hits whatever account you picked at the exact moment you make the request, no matter what you change your "primary" account to later.

mistydrifter56 said:If the whole 3D Secure thing is getting on your nerves, you might want to give PayPal a shot. It’s pretty solid—you just link your card to your account and pay from there, plus there aren't any extra fees.
I know this is technically off-topic, but I figured I'd try to help out.

Mastercard says: "I highly doubt you can bypass 3D secure using the PayPal app...?"

ironcyclist58 said:PayPal has two major flaws (and they aren't even bugs):
1. When you're sending money, it’s way too vague about which card you're actually pulling from. It’s incredibly easy to accidentally send funds from the wrong account—it happened to me... They really need to add a mandatory selection step if you have multiple cards linked, rather than just defaulting to whatever you used last. Or, at the very least, instead of just showing those last four digits at the top of the screen, they should display the actual card name. Most people don't walk around memorizing their full card numbers...
2. On the receiving end, if you have more than one account set up, the app should definitely ask where you want the cash to land instead of just dumping it into your primary account by default. As it stands, you have to designate a primary account ahead of time, but since you rarely know the exact second someone is going to hit "send," it’s easy to end up with the money hitting the wrong account (yeah, that happened to me too)

Hey,

thanks for the feedback, we'll chat about these suggestions internally. Not making any promises, obviously, but both points seem totally valid to me. I'm leaning toward adding them as optional settings you can toggle on if you want, like:
- “always prompt to select a card when sending” and
- “always confirm destination account for incoming funds”

Charles Ramos7 said:$167 transferred 😂 when their limits are ridiculously low. They should fix those first... honestly, I registered too, but haven't sent a dime yet.

It's the exact same deal now.
Just on a daily basis.

ironcyclist58 said:It’s pretty much the same deal over here. If you’re already with JPMorgan Chase, you can just link your account directly to send or receive funds, and everything gets authorized through their mobile security app—I don't know all the technical specifics, I'm not a JPMorgan Chase customer myself... If you aren't with them, you just drop your routing and account number to get paid, no authorization needed for that part. To send money, you just use a debit or credit card and go through whatever 3D secure stuff your bank requires. You can't just type in a random account number to send cash; you have to pick someone from your contacts. If you don't give the app permission to see your contacts, the list stays empty and you're stuck. You'll see a little Cash App icon next to anyone who actually has the app installed. It really ought to have a filter just for those users, but maybe they'll add that in some future update...

It's live on iOS, and Android should be right behind it.
At the top of your contact list, everyone using PayPal gets grouped together first.

Kevin Morris12 said:I’ve been digging through the Venmo FAQ, and it mentions you can use it at various supported retailers—specifically those that also accept Apple Wallet. Does anyone actually know which locations support Venmo? I can't seem to find a specific list anywhere. It used to be that Apple Wallet had a directory right in the app, though back then the selection was pretty slim—maybe around 20 spots, mostly just small coffee shops or local barbershops around Washington, D.C. Now, I’m looking through everything and I can't find a single merchant listed. 🤔

We carried over the functionality from the old Wallet, so it had to be supported as-is, even though a lot of the merchants who "support" it are actually outdated. That’s exactly why we decided not to republish the old merchant list. We’re working hard to expand the network using a totally different strategy than before. In a relatively short window—give it a month or three—we should have way more merchants available, and we'll release the full list then. All PayPal users will get an update through the app.

electricbadger89 said:Can someone hit me up in my DMs if you're running Oreo inside Parallel? Thanks.

Also, I need a quick sanity check on limits. If I link my Oreo to my JPMorgan Chase account to bump up my transfer limit, can I send someone, say, $1333, even if they don't have a JPMorgan Chase account? Or does everyone involved need to be with the same bank for that to work?

Sent from my VOG-L29 via Reddit

Yeah, you can. Limits are handled on the sender's end.

Kevin Morris12 said:It works for me too, but it’s not quite the same thing. What I was actually asking about is whether you get a notification specifically when someone sends you money or a message—because even though I have every single setting enabled, I don't get any notifications at all during those times. 🤷

😵

Hit me up in the DMs. And if anyone else is having issues with Oreo Pay, let's troubleshoot this together.