I understand it is a breach of terms of service but as a customer, why should you care? It is not like it is breaching the law. And small businesses live on a much smaller margin than banks.

The business REALLY should care as all of their transactions are at risk of being voided, and the money returned to the customers if they're found to be violating the terms of service.

I somewhat care because it seems like a bit prone to tax fraud. Not sure if it is easy for the Danish tax agencies to spot this kind of transaction and enforce tax collection though.

Why wouldn't it be? The transaction is still recorded and tied to the person's bank account and national ID, so the person has to justify that income.

Are you sure it’s “most”? I can’t remember the last time I had to pay into someone’s private account instead of one of the correct ways to do it.

I never said it was free, but depending on the service you want, it is significantly cheaper than having a credit card terminal. One of the reasons it’s cheap is because it tells your bank about everything you buy. We worry about social media, but it’s the banks that know what brand of hemorrhoid medicine I purchased last week.

I’m not advocating either solutions, by the way. I’m just pointing out a use case. I mean, I care enough about privacy to not use google or Facebook, and I still use mobile pay because it’s really, really convenient.

Is is free for small businesses. They explicitly state that at least here in Finland. They also state that it is a temporary thing.