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  1. #1
    David A. Goldfarb's Avatar
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    Chase QuickPay and similar instant payment services as alternatives to PayPal

    Anyone using Chase QuickPay for buying and selling? Here's a description--

    https://www.chase.com/index.jsp?pg_n.../quickpay_faqs

    Someone just used it yesterday to reimburse me for something, and it was quick and easy and didn't involve any fees. We both have Chase accounts in the same state, and I would assume this works only within the US, but the FAQ says only one of the participants in the transaction needs to have a Chase checking account.

    Unlike PayPal, it doesn't offer buyer protection, and it doesn't allow you to accept credit cards. It's just for bank-to-bank transfers, but that could cover a fair number of situations, no fees required.
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  2. #2
    Richard Sintchak (rich815)'s Avatar
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    I think most large banks can do that online. I know Wells Fargo and Bank of America does.
    -----------------------

    "Well, my photos are actually much better than they look..."

    Richard S.
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  3. #3
    BradS's Avatar
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    Haven't used the Chase QuickPay but, Bank America has offered on line banking service to retail customers since at least the early 1980's. Their online banking services have a feature that allows a customer to send payment to virtually anybody. This is tied to a checking account.

    I don't think Chase is doing anything particularly new or innovative. Theey're just advertising their services more loudly than the others.
    Last edited by BradS; 01-06-2012 at 12:00 PM. Click to view previous post history.

  4. #4
    Photo Engineer's Avatar
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    If you know the interbank transfer numbers, you can transfer payments back and forth world wide very simply with no charge and no guarantee as David says. The only restriction is that if the sender gets the number wrong, or the name wrong, it bounces with a $50 charge.

    PE

  5. #5
    Richard Sintchak (rich815)'s Avatar
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    Quote Originally Posted by BradS View Post
    Haven't used the Chase QuickPay but, Bank America has offered on line banking service to retail customers since at least the early 1980's. Their online banking services have a feature that allows a customer to send payment to virtually anybody. This is tied to a checking account.

    I don't think Chase is doing anything particularly new or innovative. Theey're just advertising their services more loudly than the others.
    Online? Early 80's?
    -----------------------

    "Well, my photos are actually much better than they look..."

    Richard S.
    Albany, CA (San Francisco bay area)

    My Flickr River of photographs
    http://flickriver.com/photos/rich815...r-interesting/

    My Photography Website
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  6. #6
    EASmithV's Avatar
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    Quote Originally Posted by rich815 View Post
    Online? Early 80's?
    LOL
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  7. #7
    David A. Goldfarb's Avatar
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    I'm sure the other large banks have some kind of online instant payment service as well, so I've updated the thread title.

    You could always do interbank wire transfers, which can get expensive in the US, though they are common in much of the rest of the world. There are also bill payment services through banks, where you can pay regular bills like utilities and such.

    Online instant payments like quick pay seem like they are set up more for the kinds of uses that PayPal addresses, enabling two ordinary people who are not operating a business to make a transaction via e-mail.
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  8. #8

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    Quote Originally Posted by EASmithV View Post
    LOL
    What are you laughing at? "Online" existed ... data transfers at 300 baud.

  9. #9

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    I'm not sure if its the same type of thing, but I always thought the Square card readers for the phones were an interesting way to go.

  10. #10

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    I have thought about this too. I have a Wells Fargo account and it is simple to send someone money that also has a Wells Fargo account. From what I have seen this is standard fare in Europe. As long as the parties know each other I don't see a problem with it. It is a lot easier than using paypal and there are no fees involved either. The only downside is you have to be able to trust the other person.

    Anything to get rid of paypal is fine with me frankly.

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