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	<title>paypal &#8211; Terence Eden’s Blog</title>
	<atom:link href="https://shkspr.mobi/blog/tag/paypal/feed/" rel="self" type="application/rss+xml" />
	<link>https://shkspr.mobi/blog</link>
	<description>Regular nonsense about tech and its effects 🙃</description>
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	<title>paypal &#8211; Terence Eden’s Blog</title>
	<link>https://shkspr.mobi/blog</link>
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	<item>
		<title><![CDATA[PayPal doesn't care about 2FA security]]></title>
		<link>https://shkspr.mobi/blog/2016/06/paypal-doesnt-care-about-security/</link>
					<comments>https://shkspr.mobi/blog/2016/06/paypal-doesnt-care-about-security/#comments</comments>
				<dc:creator><![CDATA[@edent]]></dc:creator>
		<pubDate>Wed, 22 Jun 2016 11:14:25 +0000</pubDate>
				<category><![CDATA[Security]]></category>
		<category><![CDATA[2fa]]></category>
		<category><![CDATA[paypal]]></category>
		<category><![CDATA[security]]></category>
		<guid isPermaLink="false">https://shkspr.mobi/blog/?p=22984</guid>

					<description><![CDATA[Remember when PayPal was a cool new company dedicated to radically improving online payments? Seems like it was ages ago.  Now PayPal is little better than then bloated banks it sought to overthrow.  Arcane bureaucracy, impenetrable fees, and a lamentable approach to security.  I was minded recently to switch on 2-Factor-Authentication (2FA) for all my accounts.  Whenever I want to log in, I give …]]></description>
										<content:encoded><![CDATA[<p>Remember when PayPal was a cool new company dedicated to radically improving online payments? Seems like it was ages ago.  Now PayPal is little better than then bloated banks it sought to overthrow.  Arcane bureaucracy, impenetrable fees, and a lamentable approach to security.</p>

<p>I was minded recently to switch on 2-Factor-Authentication (2FA) for all my accounts.  Whenever I want to log in, I give my username and password - then I receive a text message which can only be used once.</p>

<p>Searching for <a href="https://www.paypal.com/selfhelp/search?q=2fa&amp;helpSearchButton=Search">2FA on PayPal</a> doesn't return any results - nor does <a href="https://www.paypal.com/selfhelp/search?q=sms&amp;helpSearchButton=Search">searching for SMS</a>.  <em>*sigh*</em> Ah! Wait! They call it "Security Key" - <a href="https://www.paypal.com/selfhelp/paypalsearch?q=security+key">perhaps if I search for that</a>… Nope. Nothing.</p>

<p>With <a href="https://web.archive.org/web/20170130040150/https://www.turnon2fa.com/tutorials/how-to-turn-on-2fa-for-paypal/">help from a third-party site</a>, I found out how to turn it on.  Minus five points for Hufflepuff there.</p>

<p>Now, when I try to log in via the web, PayPal will send me a text message - a welcome measure of security!
<img src="https://shkspr.mobi/blog/wp-content/uploads/2016/06/Receive-a-Text-from-PayPal-fs8.png" alt="Receive a Text from PayPal" width="443" height="360" class="aligncenter size-full wp-image-22986"></p>

<p>Unless, of course, I try logging in via the <em>mobile</em> web.
<img src="https://shkspr.mobi/blog/wp-content/uploads/2016/06/PayPal-doesnt-accept-2FA-.png" alt="PayPal doesn't accept 2FA-" width="1024" height="720" class="aligncenter size-full wp-image-22985">
What band of chuckle-fucks thought that this was an acceptable solution?  There's no technological reason not to have this page trigger an SMS - indeed <em>some</em> other mobile pages are quite happy to let me use 2FA.</p>

<p>I switched my mobile browser into desktop mode and was able to complete the transaction.  What a farce.</p>

<p>PayPal is now a twisted nest of technologies - some of which can never be updated for fear of bringing the whole crumbling edifice crashing to the ground.  If PayPal really cared about your security then they'd make switching on and using 2FA as easy as possible. Instead, they've done the bare minimum to tick a box in the product feature list and not bothered to test it thoroughly.</p>

<p>There is currently no way to report security issues like this to PayPal - their page at <a href="https://www.paypal.com/webapps/mpp/security/reporting-security-issues">https://www.paypal.com/webapps/mpp/security/reporting-security-issues</a> has been broken for months.</p>

<p>I eventually found an email address for them and, after some toing-and-froing, I got this response:</p>

<img src="https://shkspr.mobi/blog/wp-content/uploads/2016/06/PayPal-2FA-Security-Response-.png" alt="If a customer has setup 2FA and it will not work they are directed to use the desktop version for their own protection. This is not a security issue.   We take pride in keeping PayPal the safer place for online payment.   Thanks, PayPal Bug Bounty Team" width="452" height="268" class="aligncenter size-full wp-image-22992">

<p>PayPal needs to make the usability of its security a priority. At the moment, it is failing.</p>
<img src="https://shkspr.mobi/blog/wp-content/themes/edent-wordpress-theme/info/okgo.php?ID=22984&HTTP_REFERER=RSS" alt="" width="1" height="1" loading="eager">]]></content:encoded>
					
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			</item>
		<item>
		<title><![CDATA[Google Play Won't Accept PayPal]]></title>
		<link>https://shkspr.mobi/blog/2014/05/google-play-wont-accept-paypal/</link>
					<comments>https://shkspr.mobi/blog/2014/05/google-play-wont-accept-paypal/#comments</comments>
				<dc:creator><![CDATA[@edent]]></dc:creator>
		<pubDate>Fri, 30 May 2014 11:08:06 +0000</pubDate>
				<category><![CDATA[mobile]]></category>
		<category><![CDATA[bug]]></category>
		<category><![CDATA[google]]></category>
		<category><![CDATA[paypal]]></category>
		<guid isPermaLink="false">http://shkspr.mobi/blog/?p=10448</guid>

					<description><![CDATA[Hey kids!  Did you know that the best way to report bugs to Google is via passive-aggressive blog posts?  Yup, s&#039;true.  They don&#039;t offer support for any of their products*, so your only hope is getting your complaint to the top of Reddit / HackerNews / Cool Site of the Day and hoping that particular Google Product Manager is taking note.  So - here&#039;s my rant :-)  Google now let you pay for apps…]]></description>
										<content:encoded><![CDATA[<p>Hey kids!  Did you know that the <em>best</em> way to report bugs to Google is via passive-aggressive blog posts?  Yup, s'true.  They don't offer support for any of their products*, so your only hope is getting your complaint to the top of Reddit / HackerNews / Cool Site of the Day and hoping that particular Google Product Manager is taking note.</p>

<p>So - here's my rant :-)</p>

<p>Google now let you <a href="https://support.google.com/googleplay/answer/4646425">pay for apps and games using PayPal</a>.  Well, I've got a bunch of credit left over in an old PayPal account, so I thought I'd use it to swell Google's coffers.  No dice.</p>

<p>According to <a href="https://support.google.com/googleplay/answer/4646425">Google's "help" site</a> a user can add a payment method via the Google Play app.</p>

<img src="https://shkspr.mobi/blog/wp-content/uploads/2014/05/Google-Play-PayPal-in-app-fs8.png" alt="Google Play PayPal in app" width="540" height="740" class="aligncenter size-full wp-image-10449">

<p>Errr.... not so much!  I can redeem vouchers and add more credit cards - but I can't add PayPal.</p>

<p>The site also suggests that I can add a new payment method via the website.</p>

<img src="https://shkspr.mobi/blog/wp-content/uploads/2014/05/Google-Play-PayPal-fs8.png" alt="Google Play PayPal" width="926" height="627" class="aligncenter size-full wp-image-10450">

<p>Perhaps it's in "Add a new payment method"?</p>

<img src="https://shkspr.mobi/blog/wp-content/uploads/2014/05/Google-Play-PayPal-Nope-fs8.png" alt="Google Play PayPal Nope" width="760" height="486" class="aligncenter size-full wp-image-10452">

<p>Yeah, that'd be the same problem...</p>

<p>I know what you're thinking, "Silly rabbit! PayPal is only for proper countries like the USA!"</p>

<p><a href="https://support.google.com/googleplay/answer/2651410#paypal"><img src="https://shkspr.mobi/blog/wp-content/uploads/2014/05/PayPal-Countries-fs8.png" alt="PayPal Countries" width="788" height="55" class="aligncenter size-full wp-image-10451"></a></p>

<p><em>sigh</em></p>

<p>If you - or one of your friends - are a Google employee, please can you find the person responsible and ask them to flick the switch which activates this?</p>

<h2 id="support"><a href="https://shkspr.mobi/blog/2014/05/google-play-wont-accept-paypal/#support">Support</a></h2>

<p>Now, I said Google don't offer support.  That's a minor factual inaccuracy.  They do offer a "Call Back" service.</p>

<img src="https://shkspr.mobi/blog/wp-content/uploads/2014/05/Contact-Google-fs8.png" alt="Contact Google" width="866" height="454" class="aligncenter size-full wp-image-10454">

<p>After exactly 7 minutes on hold, I spoke to "Peter" from "The South Coast of England".  I explained the problem and was asked to hold again.</p>

<img src="https://shkspr.mobi/blog/wp-content/uploads/2014/05/Google-Phone-Call-fs8.png" alt="Google Phone Call" width="540" height="218" class="aligncenter size-full wp-image-10455">

<p>I was eventually told that it was most unusual and that a "supervisor" would be looking in to it.</p>

<p>Yeah, yeah, yeah.  I know Google don't exactly <strong>need</strong> my money - but it sure would be nice if they'd let me support the developers I like.</p>
<img src="https://shkspr.mobi/blog/wp-content/themes/edent-wordpress-theme/info/okgo.php?ID=10448&HTTP_REFERER=RSS" alt="" width="1" height="1" loading="eager">]]></content:encoded>
					
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			<slash:comments>19</slash:comments>
		
		
			</item>
		<item>
		<title><![CDATA[Bad Oxfam! No QR Cookie for you!]]></title>
		<link>https://shkspr.mobi/blog/2011/02/bad-oxfam-no-qr-cookie-for-you/</link>
					<comments>https://shkspr.mobi/blog/2011/02/bad-oxfam-no-qr-cookie-for-you/#comments</comments>
				<dc:creator><![CDATA[@edent]]></dc:creator>
		<pubDate>Thu, 03 Feb 2011 08:30:10 +0000</pubDate>
				<category><![CDATA[badvertising]]></category>
		<category><![CDATA[mobile]]></category>
		<category><![CDATA[qr]]></category>
		<category><![CDATA[charity]]></category>
		<category><![CDATA[charityhack]]></category>
		<category><![CDATA[oxfam]]></category>
		<category><![CDATA[paypal]]></category>
		<category><![CDATA[QR Codes]]></category>
		<guid isPermaLink="false">http://shkspr.mobi/blog/?p=3561</guid>

					<description><![CDATA[Last year I gave a presentation at PayPal to show how charities could harness QR codes.  I&#039;m not sure if Oxfam were in the audience that day.  But if they were, they missed the point.  QR codes are a solution for quick interactions with mobile phones.  Let&#039;s investigate the Oxfam QR code seen in Metro.  The Advert   So, can donate by scanning the code?  Well, it&#039;s not really made clear what the…]]></description>
										<content:encoded><![CDATA[<p>Last year I gave a <a href="https://shkspr.mobi/blog/2010/09/charity-hack-qr-codes-for-enhanced-mobile-giving/">presentation at PayPal to show how charities could harness QR codes</a>.</p>

<p>I'm not sure if Oxfam were in the audience that day.  But if they were, they missed the point.  QR codes are a solution for quick interactions with mobile phones.  Let's investigate the Oxfam QR code seen in Metro.</p>

<h2 id="the-advert"><a href="https://shkspr.mobi/blog/2011/02/bad-oxfam-no-qr-cookie-for-you/#the-advert">The Advert</a></h2>

<p><img src="https://shkspr.mobi/blog/wp-content/uploads/2011/02/Oxfam-QR-Newspaper.jpg" alt="Oxfam QR Newspaper Advert" title="Oxfam QR Newspaper" width="500" height="718" class="aligncenter size-full wp-image-3566">
So, can donate by scanning the code?  Well, it's not really made clear what the QR code is for.  There's no text associated with it.</p>

<h2 id="the-code"><a href="https://shkspr.mobi/blog/2011/02/bad-oxfam-no-qr-cookie-for-you/#the-code">The Code</a></h2>

<p>Let's take a closer look at the code.
<img src="https://shkspr.mobi/blog/wp-content/uploads/2011/02/Oxfam-QR-Detail.jpg" alt="Oxfam QR Detail" title="Oxfam QR Detail" width="400" height="295" class="aligncenter size-full wp-image-3567">
That's a huge URL stuffed into a tiny code - making it hard to scan. Ideally, codes should use black ink - the blue used here shouldn't cause too many problems, but coupled with the small size reduces the scanability.</p>

<h2 id="the-url"><a href="https://shkspr.mobi/blog/2011/02/bad-oxfam-no-qr-cookie-for-you/#the-url">The URL</a></h2>

<p>Let's take a quick look at the URL before moving on.</p>

<pre>https://www.oxfam.org.uk/donate/paypal/index.php?ito=4373</pre>

<p>Good: Use of http<strong>s</strong> for a secure connection.
Bad: Just about everything else.  Why is this so long?  Why didn't Oxfam set up a redirect so that oxfam.org.uk/4373 went to the right place?  If that's not feasible, drop the redundant index.php.</p>

<pre>https://www.oxfam.org.uk/donate/paypal/?ito=4373</pre>

<p>Even better, just direct to the target page.  In this case</p>

<pre>https://giving.oxfam.org.uk/</pre>

<p>Doing that would have resulted in this smaller and more easily scanned code.
<img src="https://shkspr.mobi/blog/wp-content/uploads/2011/02/Oxfam-optimised-QR.png" alt="Oxfam optimised QR" title="Oxfam optimised QR" width="148" height="148" class="aligncenter size-full wp-image-3569"></p>

<h2 id="the-website"><a href="https://shkspr.mobi/blog/2011/02/bad-oxfam-no-qr-cookie-for-you/#the-website">The Website</a></h2>

<p>This is where things go from bad to worse.
The first thing I saw - on several phones - was this certificate error.  Given that Oxfam are expecting me to give them money, this doesn't give me confidence.
<img src="https://shkspr.mobi/blog/wp-content/uploads/2011/02/Oxfam-Certificate-Errors.jpg" alt="Oxfam Certificate Errors" title="Oxfam Certificate Errors" width="528" height="317" class="aligncenter size-full wp-image-3565">
But, it gets worse.
<img src="https://shkspr.mobi/blog/wp-content/uploads/2011/02/Oxfam-web-page.jpg" alt="Oxfam web page" title="Oxfam web page" width="317" height="438" class="aligncenter size-full wp-image-3563">
Yes, that's right.  Oxfam have decided to send my mobile phone to the full version of their website.  Rather than provide me with an optimal experience, they're making it slow, costly, and awkward for me to give them money.</p>

<h2 id="paypal-mobile"><a href="https://shkspr.mobi/blog/2011/02/bad-oxfam-no-qr-cookie-for-you/#paypal-mobile">PayPal Mobile</a></h2>

<p>After clicking through a few screens to try and give them some cash, we get to PayPal.
<img src="https://shkspr.mobi/blog/wp-content/uploads/2011/02/PayPal-Mobile-Screen.jpg" alt="PayPal Mobile Screen" title="PayPal Mobile Screen" width="317" height="528" class="aligncenter size-full wp-image-3564">
Perfect. At this stage of the transaction - if the user has even got this far - PayPal provide their optimal mobile user experience.</p>

<h2 id="conclusion"><a href="https://shkspr.mobi/blog/2011/02/bad-oxfam-no-qr-cookie-for-you/#conclusion">Conclusion</a></h2>

<ul>
    <li>Poorly formatted code.</li>
    <li>Mobile unfriendly landing page with security issues.</li>
    <li>Multiple clicks to donate.</li>
    <li>Overall, why bother?</li>
</ul>

<p>If anyone from Oxfam is reading, the interaction should go:
Scan - mobile friendly landing page - straight to donation.  No more than 3 clicks including the original scan of the code.</p>

<iframe src="https://www.slideshare.net/slideshow/embed_code/key/2GPyZbw95kU8y?startSlide=1" width="597" height="486" frameborder="0" marginwidth="0" marginheight="0" scrolling="no" style="border:1px solid #CCC; border-width:1px;   margin-bottom:5px;max-width: 100%;" allowfullscreen=""></iframe>

<div style="margin-bottom:5px"><strong><a href="https://www.slideshare.net/slideshow/charity-hack-qr-codes/5233233" title="Charity hack   qr codes" target="_blank">Charity hack   qr codes</a></strong> from <strong><a href="https://www.slideshare.net/edent" target="_blank">Terence Eden</a></strong></div>
<img src="https://shkspr.mobi/blog/wp-content/themes/edent-wordpress-theme/info/okgo.php?ID=3561&HTTP_REFERER=RSS" alt="" width="1" height="1" loading="eager">]]></content:encoded>
					
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		<item>
		<title><![CDATA[Charity Hack - QR Codes For Enhanced Mobile Giving]]></title>
		<link>https://shkspr.mobi/blog/2010/09/charity-hack-qr-codes-for-enhanced-mobile-giving/</link>
					<comments>https://shkspr.mobi/blog/2010/09/charity-hack-qr-codes-for-enhanced-mobile-giving/#respond</comments>
				<dc:creator><![CDATA[@edent]]></dc:creator>
		<pubDate>Sun, 19 Sep 2010 17:02:27 +0000</pubDate>
				<category><![CDATA[mobile]]></category>
		<category><![CDATA[qr]]></category>
		<category><![CDATA[charity]]></category>
		<category><![CDATA[charityhack]]></category>
		<category><![CDATA[justgiving]]></category>
		<category><![CDATA[paypal]]></category>
		<category><![CDATA[QR Codes]]></category>
		<category><![CDATA[taykt]]></category>
		<guid isPermaLink="false">http://shkspr.mobi/blog/?p=2541</guid>

					<description><![CDATA[This is the presentation I gave for Charity Hack 2010.         Charity hack qr codes  from Terence Eden   If you&#039;re on mobile, you can view the mobile friendly version of the slides.  Audio and video coming later.  The gist of the talk is - use QR codes to drive mobile donations.  Use return SMS to encourage people to share with their friends. …]]></description>
										<content:encoded><![CDATA[<p><a href="http://www.flickr.com/photos/monsieurledan/5004855335/"><img src="https://shkspr.mobi/blog/wp-content/uploads/2010/09/5004855335_b5906046f3.jpg" alt="Photo of Terence wearing a QR code t-shirt at CharityHack" title="Copyright Dan Monsieurle  " width="500" height="333" class="aligncenter size-full wp-image-2552"></a></p>

<p>This is the presentation I gave for <a href="https://web.archive.org/web/20100921015255/http://charityhack.org/">Charity Hack 2010</a>.</p>

<p><a href="https://web.archive.org/web/20100921015255/http://charityhack.org/"><img alt="Charity Hack Logo" src="https://shkspr.mobi/blog/wp-content/uploads/2010/09/logo.png" title="Charity Hack Logo" class="aligncenter" width="214" height="75"></a></p>

<iframe title="Charity hack   qr codes" src="https://www.slideshare.net/slideshow/embed_code/key/2GPyZbw95kU8y" width="427" height="356" frameborder="0" marginwidth="0" marginheight="0" scrolling="no" style="border:1px solid #CCC; border-width:1px; margin-bottom:5px; max-width: 100%;" allowfullscreen=""> </iframe>

<div style="margin-bottom:5px"> <strong> <a href="https://www.slideshare.net/edent/charity-hack-qr-codes" title="Charity hack qr codes" target="_blank">Charity hack qr codes</a> </strong> from <strong><a href="https://www.slideshare.net/edent" target="_blank">Terence Eden</a></strong> </div>

<p>If you're on mobile, <a href="http://www.slideshare.net/edent/charity-hack-qr-codes">you can view the mobile friendly version of the slides</a>.</p>

<p>Audio and video coming later.</p>

<p>The gist of the talk is - use QR codes to drive mobile donations.  Use return SMS to encourage people to share with their friends.</p>
<img src="https://shkspr.mobi/blog/wp-content/themes/edent-wordpress-theme/info/okgo.php?ID=2541&HTTP_REFERER=RSS" alt="" width="1" height="1" loading="eager">]]></content:encoded>
					
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