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App developer

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Comments

  • #52
    Pelvis
    Closed Accounts Posts: 1,758 ✭✭✭Pelvis


    danbrosnan wrote: »
    I disagree with you, I completely deal with ebay just like anyone that sells on ebay, paypal has a literary hundreds of thousand of accounts in ireland alone, I believe the problem exists I have done some research and the problem is with the businesses not the consumers, I belive people.would use a service that provides them a way of using there paypal funds!
    They can already use their PayPal funds, buy using a service which accepts PayPal payments or transferring the funds to a bank account. There's no urgent need for businesses to be able to use their PP funds, because they have other means available to them to make payments.

    As to your research, it's already been explained to you that businesses for the most part don't accept PayPal payments because it's too expensive.


  • #53
    Cushie Butterfield
    Registered Users, Registered Users 2 Posts: 1,861 ✭✭✭Cushie Butterfield


    Dan, what you need to do is contact your local Enterpise office, who will soon tell you if you have a viable business idea.

    https://www.localenterprise.ie/Kerry/


  • #54
    Axwell
    Moderators, Computer Games Moderators Posts: 10,462 Mod ✭✭✭✭Axwell


    danbrosnan wrote: »
    Downloaded Revolut and still I cant transfer funds from paypal! Only options are google pay and bank draft!

    You are transferring funds from Paypal -> your Revolut account. The options arent going to be on Revolut, they would be setup in Paypal that you would add the Revolut account to it and transfer money from Paypal to it.

    You also havent explained what your service exactly is or how it would actually work, just the problem you believe exists.

    You have funds in your paypal account, your takeaway doesnt accept Paypal but accepts visa/debit..what is your app going to do that bridges the gap between them?


  • #55
    hots
    Registered Users, Registered Users 2 Posts: 5,200 ✭✭✭hots


    Axwell wrote: »
    You are transferring funds from Paypal -> your Revolut account. The options arent going to be on Revolut, they would be setup in Paypal that you would add the Revolut card to it and transfer money from Paypal to it.

    You also havent explained what your service exactly is or how it would actually work, just the problem you believe exists.

    You have funds in your paypal account, your takeaway doesnt accept Paypal but accepts visa/debit..what is your app going to do that bridges the gap between them?


    It reads like a virtual debit card to me?


    OP it might be an issue for a small number of people, but the vast majority of paypal users either transfer to bank a/cs or actually don't keep any funds in paypal at all.



    If there was a market for this Paypal would be offering it.


  • #56
    Axwell
    Moderators, Computer Games Moderators Posts: 10,462 Mod ✭✭✭✭Axwell


    hots wrote: »
    It reads like a virtual debit card to me?


    Which already exists, so wondering what the OP is offering thats different and if that is what they are offering that they realise there is so much more involved than just an app.


  • #57
    14ned
    Registered Users, Registered Users 2 Posts: 768 ✭✭✭14ned


    Axwell wrote: »
    Which already exists, so wondering what the OP is offering thats different and if that is what they are offering that they realise there is so much more involved than just an app.

    The OP is probably thinking of some sort of "cheque cashing" service for Paypal where one can instantaneously make X euro in the Paypal account become available on some debit card number for use in a takeaway.

    And in theory, that ought to be fairly straightforward to implement. In China you could do it in a heartbeat.

    Over here, our obsolete system of banks and their fees are kept in their monopoly position by thickets of regulation. For example, Revolut, like Paypal, offer no government backed deposit guarantee like banks do. So you would be unwise to keep any significant amounts in them for any length of time. Same goes for Irish startup CurrencyFair who will get you just about the best exchange rate that is possible (and better than Revolut).

    So while there is a big use case for these services as temporary places to do something particular with your money, you would be unwise to leave any sums you can't afford to lose there. For example, I really wouldn't pay my salary into Revolut's "current account", despite how much they want you to. If they paid maybe 4% interest on a positive balance, then it might be worth it. But they offer nothing in exchange for the lack of deposit guarantee, and other services provide currency exchange etc for a lot cheaper.

    tl;dr; It's very hard to be profitable in Europe in the realm of money unless you are a very big enterprise.

    Niall


  • #58
    danbrosnan
    Registered Users, Registered Users 2 Posts: 900 ✭✭✭danbrosnan


    14ned wrote: »
    The OP is probably thinking of some sort of "cheque cashing" service for Paypal where one can instantaneously make X euro in the Paypal account become available on some debit card number for use in a takeaway.

    And in theory, that ought to be fairly straightforward to implement. In China you could do it in a heartbeat.

    Couldn't explain it better myself, I disagree with people not wanting to use or not having funds in there paypal account, for something thats so useless that's kinda been described here just remember there one of the biggest multinational companies in ireland, and have vast amounts of transactions every second, in my opinion paypal is the future, as I keep saying it's the business that are the problem, I really do think that something can be created and be successful!


  • #59
    hots
    Registered Users, Registered Users 2 Posts: 5,200 ✭✭✭hots


    danbrosnan wrote: »
    Couldn't explain it better myself, I disagree with people not wanting to use or not having funds in there paypal account, for something thats so useless that's kinda been described here just remember there one of the biggest multinational companies in ireland, and have vast amounts of transactions every second, in my opinion paypal is the future, as I keep saying it's the business that are the problem, I really do think that something can be created and be successful!


    Paypal are a legacy system in themselves in the payments world now. And far less dominant than they used to be.


  • #60
    Axwell
    Moderators, Computer Games Moderators Posts: 10,462 Mod ✭✭✭✭Axwell


    danbrosnan wrote: »
    Couldn't explain it better myself, I disagree with people not wanting to use or not having funds in there paypal account, for something thats so useless that's kinda been described here just remember there one of the biggest multinational companies in ireland, and have vast amounts of transactions every second, in my opinion paypal is the future, as I keep saying it's the business that are the problem, I really do think that something can be created and be successful!


    Why are the businesses the problem? A takeaway that signs up to use Deliveroo or Just Eat for example is already paying fees to be part of the platform, using PayPal just adds extra fees again on top of that. It would be madness for them to be accepting payment via PayPal unless they were charging you more for that ability to offset the fees, also the fact it would be the minority of people who would use it to pay versus their normal debit card.


    You see a problem which you yourself have and are disagreeing with anyone who says others don't need it or wouldn't use it without any research into it at all. Most people that have a PayPal account are also most likely to have a debit card, what is the advantage of being able to move money around and pay extra to use money that is in their PayPal account versus just using their debit card as normal and transferring the money in their PayPal over to their bank account whenever they decide to.


    Going back to the original request - you want someone to make you an app. What is the functionality of the app, what is the process, the user flow..how will it work..do i get a physical card that I can transfer money to? You don't seem to have any of this information thought out and want to hire someone to make an app but the requirements of your service go far beyond just having an app. This is nothing more than a barely fleshed out idea right now and you are far away from the point of needing a developer to make an app.


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  • #61
    GarIT
    Registered Users, Registered Users 2 Posts: 8,671 ✭✭✭GarIT


    I'm just struggling to understand how money can be extracted from a papyal account faster than PayPal and with lower fees


  • #62
    marieholmfan
    Registered Users Posts: 2,744 ✭✭✭marieholmfan


    GarIT wrote: »
    I'm just struggling to understand how money can be extracted from a papyal account faster than PayPal and with lower fees
    I have an amazing idea for an app. It is a blockchain based ml driven analytic and pythonic solution to the infamous ninja cowboy problem.


  • #63
    boreder
    Registered Users Posts: 227 ✭✭boreder


    I can transfer my papal funds to my debit card in seconds, using the PayPal app. Up to a threshold of $500 (I think), for $0.25 fee.

    It's literally there by the time I hit 'transfer' and then open my bank app.


  • #64
    danbrosnan
    Registered Users, Registered Users 2 Posts: 900 ✭✭✭danbrosnan


    boreder wrote: »
    I can transfer my papal funds to my debit card in seconds, using the PayPal app. Up to a threshold of $500 (I think), for $0.25 fee.

    It's literally there by the time I hit 'transfer' and then open my bank app.

    In ireland?


  • #65
    Axwell
    Moderators, Computer Games Moderators Posts: 10,462 Mod ✭✭✭✭Axwell


    Axwell wrote: »
    Why are the businesses the problem? A takeaway that signs up to use Deliveroo or Just Eat for example is already paying fees to be part of the platform, using PayPal just adds extra fees again on top of that. It would be madness for them to be accepting payment via PayPal unless they were charging you more for that ability to offset the fees, also the fact it would be the minority of people who would use it to pay versus their normal debit card.


    You see a problem which you yourself have and are disagreeing with anyone who says others don't need it or wouldn't use it without any research into it at all. Most people that have a PayPal account are also most likely to have a debit card, what is the advantage of being able to move money around and pay extra to use money that is in their PayPal account versus just using their debit card as normal and transferring the money in their PayPal over to their bank account whenever they decide to.


    Going back to the original request - you want someone to make you an app. What is the functionality of the app, what is the process, the user flow..how will it work..do i get a physical card that I can transfer money to? You don't seem to have any of this information thought out and want to hire someone to make an app but the requirements of your service go far beyond just having an app. This is nothing more than a barely fleshed out idea right now and you are far away from the point of needing a developer to make an app.




    Any answers OP?


  • #66
    marieholmfan
    Registered Users Posts: 2,744 ✭✭✭marieholmfan


    GarIT wrote: »
    I'm just struggling to understand how money can be extracted from a papyal account faster than PayPal and with lower fees

    PAAS IOT Agile Blockchain


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  • #67
    counterpointaud
    Registered Users, Registered Users 2 Posts: 403 ✭✭counterpointaud


    OP you may be interested in the product Stripe announced today: https://stripe.com/issuing


  • #68
    JoeySaps
    Registered Users Posts: 2 ✭JoeySaps


    danbrosnan wrote: »
    Need some to build an app, have an idea that just might make money!

    I work with mobile development. Id sign an NDA to hear your idea.


  • #69
    DublinWriter
    Registered Users, Registered Users 2 Posts: 9,559 ✭✭✭DublinWriter


    Five pages in and no mention of the headwreck that is AML Legislation and regulation which is still applicable in the world of micro-payments.


  • #70
    Franz Von Peppercorn
    Closed Accounts Posts: 7,070 ✭✭✭Franz Von Peppercorn


    JoeySaps wrote: »
    I work with mobile development. Id sign an NDA to hear your idea.

    He’s explained it.


  • #71
    JoeySaps
    Registered Users Posts: 2 ✭JoeySaps


    Franz Von Peppercorn wrote: »
    He’s explained it.

    But meeting with someone in person and going through the ins and outs is different. Ive been doing this a long time but thats your comment


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  • #72
    Franz Von Peppercorn
    Closed Accounts Posts: 7,070 ✭✭✭Franz Von Peppercorn


    JoeySaps wrote: »
    But meeting with someone in person and going through the ins and outs is different. Ive been doing this a long time but thats your comment

    Ok good luck if you think this is viable.


  • #73
    garyskeepers
    Registered Users Posts: 371 ✭✭garyskeepers


    bpmurray wrote: »
    Reality check: I have 40 years experience of software development

    Hey mr murray.. I have a friend with some ideas for apps he might be looking to have developed. Can you pop me a message when you can


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