Afterpay & Zippay

[Khalz]

I think it'll be really good to have zip and afterpay as payment methods, it's good for people that can't make the full payment of the games they want to buy and that way they can buy more games and pay them at a later date. It'll be interesting to see if steam decides to do it, I think it'll be a good idea, something to think about, what are your thoughts?

[Washell]

Początkowo opublikowane przez Wcanywayz:

How about people stop telling others how to spend their money.

The crux of the issue is that they are *not* spending their money. If they were spending their money, they wouldn't need these services.

[Wca VR]

Początkowo opublikowane przez Washell:

Początkowo opublikowane przez Wcanywayz:

How about people stop telling others how to spend their money.

The crux of the issue is that they are *not* spending their money. If they were spending their money, they wouldn't need these services.

Then for some reason i have to point out the credit cards were used as the alternative.

"that they are *not* spending their money."
Actually they ARE.
They entered a credit agreement that the money is LOANED to them and legally theirs.
This is used when taking people to court for non-payments of similar LOAN types such as CARS, HOUSES , SMALL LOANS , BUSINESS LOANS and CREDIT CARDS.

Also that After and Zip pay are LOCK IN payments.
It's like layby but you get the item early.
Both the company payment types are strict in how much they offer and depend on the user to show money management by offering small amounts before raising the limit.

This is 100% UPTO THE CUSTOMER.
Not paying the repayments are non-optional.

If you disagree, please contact a debt collector and ask them.

[Nx Machina]

Początkowo opublikowane przez Wcanywayz:

Początkowo opublikowane przez Washell:

The crux of the issue is that they are *not* spending their money. If they were spending their money, they wouldn't need these services.

Then for some reason i have to point out the credit cards were used as the alternative.

"that they are *not* spending their money."
Actually they ARE.

Wrong. They are spending the credit card companies money, hence the term "credit" which is money loaned NOT money owned and until the final payment is made it remains the credit card companies money. Credit is DEBT.

If they were spending their money it would come out of their bank account, no middleman.

[Brian9824]

Don't see any point. Steam games are a luxury item. If you can't afford it then learn to save properly. Encouraging people to buy things they can't afford is reckless and dangerous and the reason why so many people are in debt.

[Wca VR]

Początkowo opublikowane przez Nx Machina:

Wrong. They are spending the credit card companies money, hence the term "credit" which is money loaned NOT money owned and until the final payment is made it remains the credit card companies money. Credit is DEBT.

If they were spending their money it would come out of their bank account, no middleman.

nah ... You're still WRONG.
You have to pay credit.
It's is linked to you forever.
Money IS considered by law YOURS when you borrow it.
you are expected to pay back the loan but not told what to spend it on!

Now if you're done debating semantics that are based on incorrect fallacies , we're done here yh :)

[Nx Machina]

Początkowo opublikowane przez Wcanywayz:

nah ... You're still WRONG.
You have to pay credit.
It's is linked to you forever.
Money IS considered by law YOURS when you borrow it.
you are expected to pay back the loan but not told what to spend it on!

Now if you're done debating semantics that are based on incorrect fallacies , we're done here yh :)

Until the FINAL payment is made the money LOANED to you has the status of DEBT, it is money you OWE in exchange to buy a product, it was never your money to begin with, nor was it yours when you purchased a product.

https://www.debt.com/what-is-credit/

[Drake Ravenwood]

Its an interesting idea. There will always be ones that abuse it so those sort of comments are useless. It would need to have a limit to first timers. Ive actually had someone try to pay for fuel using an afterpay card... facepalm. Ive got a good standing with afterpay myself, i generally dont have to pay for the fisrt 2 weeks and have a 3000 limit. but thats over years of use and always on time payments, I guess if you can prove your responsible it could be an option. Moving back to the points people have made about games not being essential etc. WELL you can buy DVDS on afterpay LOL

[Charles]

Good idea.

[Glitch]

yeah its a great idea, i too have been saying this.. not everyone can afford a game of 100 bucks out right.. some people have tight budgets and cant even afford small luxuries in life.. this caters for all income earners.. more worrying is it arrogant and ignorant attitude of people on here, because some of them can pay for a game out right they wish for others to be exactly like them, incredibly selfish and moronic view. If someone wished to spend 100 dollars on a game and repay that over 10 weeks, whats it to you? They are the one winning in the situation as they get discounts for other shops for using the service and can play the game they never would of been able to afford before..

[Brian9824]

Początkowo opublikowane przez SAS:

yeah its a great idea, i too have been saying this.. not everyone can afford a game of 100 bucks out right.. some people have tight budgets and cant even afford small luxuries in life.

Then there is this thing called budget management and putting money aside.

Początkowo opublikowane przez SAS:

. this caters for all income earners.. more worrying is it arrogant and ignorant attitude of people on here, because some of them can pay for a game out right they wish for others to be exactly like them, incredibly selfish and moronic view. If someone wished to spend 100 dollars on a game and repay that over 10 weeks, whats it to you? They are the one winning in the situation as they get discounts for other shops for using the service and can play the game they never would of been able to afford before..

Except they COULD afford to pay it before, they could have simply put some money aside over those 10 weeks and gotten the game without having to pay any extra fee's or deal with buying products you can't afford.

Attitude and sites like what the OP suggests are why a record number of people are in debt, because they can't manage their budget, or buy things they can afford. If you can't afford a new game, then you save, or wait for it to drop in price.

[Washell]

Początkowo opublikowane przez SAS:

not everyone can afford a game of 100 bucks out right

As someone who's been/is vocal against this *and* being unable to afford a 100 dollar game outright: credit is never the answer for entertainment or luxuries. Period. If you can only afford to put 10 bucks a month in. Do so and buy it after 10 months (probably only 5, because it'll be discounted then). Gaming is a luxury. You're not going to die not having the latest and the greatest, in spite of what all the marketing is telling you. Most games (especially 100 buck ones) don't come out of the blue. Plan ahead. Make rational decisions, not emotional, peer pressured or marketing influenced ones.

I wanted Fallout 4, which was released in 2015. I bought the GOTY edition two weeks ago for €9,99 and enjoying it very much. That's how you deal with a tight budget.

[Khalz]

When I first started this discussion it really wasn't to cause any arguments.

I was just saying it purely out of a business perspective for valve to increase their revenue.

There are alot of companies that offer buy now pay later

Klarna, Afterpay, Zippay, Openpay.

These are a few I have listed and there are plenty more.

There are always going to be opinions that will clash, for the people who agree and for the people who disagree. It would be a service that is there that could be used by people that would like to use it.

Of course these services would get a cut from the money that their customers will bring to valve but these services will increase sales by more than 200% so from a business perspective it will definitely boost revenue.

But at the end of the day it's each to their own on this particular discussion.

[Fake]

Początkowo opublikowane przez Khalz:

I was just saying it purely out of a business perspective for valve to increase their revenue.

There are alot of companies that offer buy now pay later

Klarna, Afterpay, Zippay, Openpay.

These are a few I have listed and there are plenty more.

Isn't that just a credit card?

[Tactictoe]

Zippay is FAR superior to any credit card, not that its anyone elses business how I wish to pay for something. This whole thread is just full of credit Karens.

[Fake]

Początkowo opublikowane przez Tactictoe:

Zippay is FAR superior to any credit card, not that its anyone elses business how I wish to pay for something. This whole thread is just full of credit Karens.

Please explain how it's superior.