<instructions>Your goal is to analyze the following comment and estimate how highly it will be upvoted by the Hacker News community.</instructions><comment><author>majani</author><text>The Samwer bros are probably building to sell to Stripe, so they&apos;re using credit cards for Paymill to easily integrate into Stripe when that time comes.</text><parent_chain><item><author>aristidb</author><text>That&apos;s a bit bizarre, because one would expect a German clone to support the payment variants that are far more popular than credit cards in Germany.&lt;p&gt;EDIT: The biggest payment variant I was thinking of is direct debit (German: Lastschrift), which is highly convenient. However, wiring the money before getting the goods is also surprisingly popular here. Many people just don&apos;t have credit cards. (I do, but I also use some US services like Github which only allow credit card payments.)</text></item></parent_chain></comment><story><title>Samwers Clone Stripe</title><url>https://www.paymill.de/index.html</url></story>
<instructions>Your goal is to analyze the following comment and estimate how highly it will be upvoted by the Hacker News community.</instructions><comment><author>lobster_johnson</author><text>Does the German direct-debit system work with online payments?&lt;p&gt;We have the same direct-debit system in Norway, called BankAxept, which is managed by a consortium of banks; banks typically issue cards with both Visa and BankAxept built in. However, BankAxept does not work with online payments.&lt;p&gt;A new system, BankAxess, has been launched for online payments, but it has not been widely implemented yet, so most online stores offer payment by Visa/Mastercard. Visa/MC&apos;s fees are somewhat exuberant, so most stores also offer COD and payment by wire transfer as alternative options.</text><parent_chain><item><author>aristidb</author><text>That&apos;s a bit bizarre, because one would expect a German clone to support the payment variants that are far more popular than credit cards in Germany.&lt;p&gt;EDIT: The biggest payment variant I was thinking of is direct debit (German: Lastschrift), which is highly convenient. However, wiring the money before getting the goods is also surprisingly popular here. Many people just don&apos;t have credit cards. (I do, but I also use some US services like Github which only allow credit card payments.)</text></item></parent_chain></comment><story><title>Samwers Clone Stripe</title><url>https://www.paymill.de/index.html</url></story>