PayPal
E Z Peaces
available. Many sellers require buyers to use PayPal.
PayPal says an advantage for the buyer is that the seller doesn't see
credit-card numbers. Are there disadvantages?
Gary Heston
Check:
www.aboutpaypal.org/paypal_sucks/
Or just search for "paypal sucks".
Gary
--
Gary Heston ghe...@hiwaay.net http://www.thebreastcancersite.com/
Why is it that these days, the words "What idiot" are so frequently
followed by the words "at Microsoft"?
E Z Peaces
> In article <37UGk.45094$rD2....@bignews4.bellsouth.net>,
> E Z Peaces <ca...@invalid.invalid> wrote:
>> Ebay can be a convenient, frugal way to buy items that aren't locally
>> available. Many sellers require buyers to use PayPal.
>
>> PayPal says an advantage for the buyer is that the seller doesn't see
>> credit-card numbers. Are there disadvantages?
>
> Check:
>
> www.paypalsucks.com
>
> www.paypalsucks.org
>
> www.aboutpaypal.org/paypal_sucks/
>
> www.paypalwarning.com
>
> Or just search for "paypal sucks".
>
>
> Gary
>
Does the lack of PayPal limit my access to Ebay products? What's the
best way to pay?
Vic Smith
wrote:
>Ebay can be a convenient, frugal way to buy items that aren't locally
Never used PayPal as a seller, so I can't speak for that.
I've bought close to 200 items on eBay using PayPal over the past 5
years or so and never had a problem. Used it for a 4 or 5 other
merchants too.
After the first 10 or so purchases using a CC with PayPal they
required a bank account number and an easy verification process.
Something about being "verified."
I didn't care for that, but ultimately figured I would trust them, and
make it easier to purchase. It's worked very well.
Their default for purchases is from your bank account, so remember to
change it each time to CC if that's what you prefer.
Once you get over the bank account hurdle, you realize that paying
through them keeps you from spreading your CC number all over the
place. So, PayPal has worked for me.
--Vic
clams_casino
As an eBay seller for nearly ten years, I've found Paypal to be highly
convenient and reliable. As a buyer, you should always fund your Paypal
payment through a credit card for added insurance against an unreliable
seller. If there is ever a dispute, Paypal may or may not back your
purchase, but your credit card company will most always provide you with
a full refund. Since payment is nearly immediate, the seller can ship
immediately. The biggest complaint by sellers is that when there is a
misunderstanding, the buyer can reverse charges when it's funded via
credit card. I'm not aware of any potential problems for buyers
(provided the purchases are funded via credit card). The problem is
actually potentially unreliable ebay sellers, not Paypal.
Vic Smith
wrote:
>Gary Heston wrote:
>> In article <37UGk.45094$rD2....@bignews4.bellsouth.net>,
>> E Z Peaces <ca...@invalid.invalid> wrote:
>>> Ebay can be a convenient, frugal way to buy items that aren't locally
>>> available. Many sellers require buyers to use PayPal.
>>
>>> PayPal says an advantage for the buyer is that the seller doesn't see
>>> credit-card numbers. Are there disadvantages?
>>
>> Check:
>>
>> www.paypalsucks.com
>>
>> www.paypalsucks.org
>>
>> www.aboutpaypal.org/paypal_sucks/
>>
>> www.paypalwarning.com
>>
>> Or just search for "paypal sucks".
>>
>>
>> Gary
>>
>
>Does the lack of PayPal limit my access to Ebay products?
You already answered that at the top. Some sellers take only PayPal.
> What's the
>best way to pay?
Personal issue. I use my CC, but never carry a balance.
Gives protection in disputes, though that never happened with anything
I used PayPal for.
Some like payment taken from their bank. Your call.
I don't use checks or MO's.
--Vic
Gary Heston
E Z Peaces <ca...@invalid.invalid> wrote:
[ ... ]
>>> PayPal says an advantage for the buyer is that the seller doesn't see
>>> credit-card numbers. Are there disadvantages?
>> Check:
>> www.aboutpaypal.org/paypal_sucks/
>> Or just search for "paypal sucks".
>Does the lack of PayPal limit my access to Ebay products? What's the
>best way to pay?
As of late October, the only way for US customers will be PayPal, local
pickup, or credit card direct to the seller. They're disallowing the
use of checks (personal, business, or certified) or money orders.
Too bad (for eBay) that checks and money orders are the only ways
to pay that are acceptable to me.
E Z Peaces
> In article <R6VGk.59696$XB4....@bignews9.bellsouth.net>,
> E Z Peaces <ca...@invalid.invalid> wrote:
>> Gary Heston wrote:
> [ ... ]
>>>> PayPal says an advantage for the buyer is that the seller doesn't see
>>>> credit-card numbers. Are there disadvantages?
>
>>> Check:
>
>>> www.paypalsucks.com
>
>>> www.paypalsucks.org
>
>>> www.aboutpaypal.org/paypal_sucks/
>
>>> www.paypalwarning.com
>
>>> Or just search for "paypal sucks".
Now I see three of the pages direct us to National Merchant Bancard.
The fourth won't open.
>
>> Does the lack of PayPal limit my access to Ebay products? What's the
>> best way to pay?
>
> As of late October, the only way for US customers will be PayPal, local
> pickup, or credit card direct to the seller. They're disallowing the
> use of checks (personal, business, or certified) or money orders.
>
> Too bad (for eBay) that checks and money orders are the only ways
> to pay that are acceptable to me.
>
>
> Gary
>
Are they disallowing mailed payments because the seller doesn't know if
they will arrive?
Rod Speed
Nope, so ebay gets the paypal commission.
Rod Speed
> Gary Heston wrote:
>> In article <37UGk.45094$rD2....@bignews4.bellsouth.net>,
>> E Z Peaces <ca...@invalid.invalid> wrote:
>>> Ebay can be a convenient, frugal way to buy items that aren't
>>> locally available. Many sellers require buyers to use PayPal.
>>
>>> PayPal says an advantage for the buyer is that the seller doesn't
>>> see credit-card numbers. Are there disadvantages?
>>
>> Check:
>>
>> www.paypalsucks.com
>>
>> www.paypalsucks.org
>>
>> www.aboutpaypal.org/paypal_sucks/
>>
>> www.paypalwarning.com
>>
>> Or just search for "paypal sucks".
> Does the lack of PayPal limit my access to Ebay products?
Corse it does.
> What's the best way to pay?
Paypal.
clams_casino
Historically, about 90% of all ebay transactions have been paid via
Paypal. Soon, eBay will no longer allow for cash, check or money order
payment (except local pickups) where Paypal will be the only means to pay.
clams_casino
>In article <R6VGk.59696$XB4....@bignews9.bellsouth.net>,
>E Z Peaces <ca...@invalid.invalid> wrote:
>
>
>>Gary Heston wrote:
>>
>>
> [ ... ]
>
>
>>>>PayPal says an advantage for the buyer is that the seller doesn't see
>>>>credit-card numbers. Are there disadvantages?
>>>>
>>>>
>
>
>
>>>Check:
>>>
>>>
>
>
>
>>> www.paypalsucks.com
>>>
>>>
>
>
>
>>> www.paypalsucks.org
>>>
>>>
>
>
>
>>> www.aboutpaypal.org/paypal_sucks/
>>>
>>>
>
>
>
>>> www.paypalwarning.com
>>>
>>>
>
>
>
>>>Or just search for "paypal sucks".
>>>
>>>
>
>
>
>>Does the lack of PayPal limit my access to Ebay products? What's the
>>best way to pay?
>>
>>
>
>As of late October, the only way for US customers will be PayPal, local
>pickup, or credit card direct to the seller. They're disallowing the
>use of checks (personal, business, or certified) or money orders.
>
>Too bad (for eBay) that checks and money orders are the only ways
>to pay that are acceptable to me.
>
>
>Gary
>
>
>
Payment via checks & money order has always been a risky approach for
buyers. If the transaction goes sour, the buyer will always lose. If
payment is via credit card funded Paypal, the buyer has added protection
in that his credit card company will most always side with the buyer &
provide a full refund should Paypal not honor the refund..
elise d faber
i'm still not verified and will give up paypal and ebay if i have to
do that. there is no way that i would give paypal acccess to my bank
account. i have heard too many stories about unexpected raids by
paypal. of course, i don't sell much and when i do i require a usps
money order.
elise
Vic Smith
wrote:
>
>i'm still not verified and will give up paypal and ebay if i have to
>do that. there is no way that i would give paypal acccess to my bank
>account. i have heard too many stories about unexpected raids by
>paypal. of course, i don't sell much and when i do i require a usps
>money order.
>
Your choice, of course. But I think you would get better bids on your
items if you offered PayPal. I don't even bid on items that don't
offer PayPal payment, and I'm pretty sure I'm not alone.
--Vic
h
"elise d faber" <edie...@yahoo.com> wrote in message >
> i'm still not verified and will give up paypal and ebay if i have to
> do that. there is no way that i would give paypal acccess to my bank
> account. i have heard too many stories about unexpected raids by
> paypal. of course, i don't sell much and when i do i require a usps
> money order.
>
> elise
I'm amazed anyone is willing buy anything from you if you require a money
order. I would never go through the hassle of leaving the house (I work at
home), driving to the bank (I never have cash) and then to the USPS to wait
in a very long, slow line, and then have to shell out $1.05 for the money
order. Then I have to spend $.42 for a stamp, and a few cents for an
envelope, find your address, then mail the envelope. Good grief, that adds
several days to the wait time just to have the item shipped. And on top of
all that, I won't get my 1-5% cash back on my purchase that I would normally
get using my credit card through PayPal, but I've spent and extra $1.50 plus
gas and 45 minutes of my time just for the "privilege" of buying from you.
Checks and money orders? Are you people kidding? This is 2008, not 1908.
It's simply not frugal to pay for things with checks and money orders
because they cost too much in time and money.
Vic Smith
> BTW: PayPal's default payment method for purchases is
>user-selectable. It is important actually to _read_ the information
>presented on the PP site.
Read this
http://www.mightybargainhunter.com/2008/04/16/why-paypal-makes-it-a-chore-to-pay-by-credit-card/
Which confirms what I said about my personal verified account.
The default is the bank account, and can't be changed.
If you know otherwise, and tell me how to do it, I will genuflect in
your direction.
--Vic
elise d faber
that's ok with me. i don't sell many things and none are 'vintage
collectors' items'. if it doesn't sell on ebay, i freecycle it. if i
did want to do more selling and use paypal for that, i would ope a
throw-away bank account just for paypal.
elise
elise d faber
wrote:
i don't sell enough things to care whether i get your business.it is
just a way of maybe getting a little money ack on things that i will
freecycleif it doesn;t go on ebay.
elise
E Z Peaces
One user says PayPal has a $100 limit for credit cards. He tried to buy
a $40 item three weeks after buying a $75 item. He kept getting error
messages. Eventually he called his bank and learned that each time
PayPal had given him an error message, his CC had billed him $1. I wish
I knew more about that.
larry
>
> One user says PayPal has a $100 limit for credit cards.
PER Month
> He tried to buy
> a $40 item three weeks after buying a $75 item. He kept getting error
> messages. Eventually he called his bank and learned that each time
> PayPal had given him an error message, his CC had billed him $1.
Maybe the $1 was the pre authorization used to test for a
valid cc account. It does lower your "available credit" but
is not an actual charge unless the charge is processed
(posted). Pay at the pump can do a $100 pre-authorization,
but later post the actual $40 that cancels the $100
pre-auth. Did he get a bill with the $1 charges?
Some online cc's show the pre-auths, most no longer do
because they had too many calls about "I never charged $300
for a car rental, hotel room, etc". Or got an cc overlimit
warning.
Paypal is ok as long as you understand and prepare for your
risks dealing with them. The former WAMU had an "on-line"
checking/debit card account with a $50 limit that was
perfect to hang a paypal account on. You just did an online
transfer as needed to cover your internet transactions.
~~~vic & h
how about a thread how to eliminate checks! i'm down to a
dozen a year. the local tax office takes cash or check
only. bank online pay takes a setup, and then scheduled 10
days before due date. So they can mail a check ;-) The last
reason I had for checking was to get my canceled tax checks
back, but now I get crappy unreadable on-line images back.
Haven't had a legal case with this yet, but last one for
"safe-keeping" checks almost cost us $1300 when judge would
only accept copy of front and BACK of canceled check, stupid
bank didn't copy the backs. Only won because we found a
later statement showing they credited the check they didn't
get ;-)
-- larry / dallas
Vic Smith
>E Z Peaces wrote:
>>
>> One user says PayPal has a $100 limit for credit cards.
>
>PER Month
>
That's not "normal" if the claim is even true.
I have a regular PP acct and never had such a limit.
There's plenty of stuff via google to see how PP works.
It's not mysterious or nefarious.
>
>~~~vic & h
>
>how about a thread how to eliminate checks! i'm down to a
>dozen a year. the local tax office takes cash or check
>only. bank online pay takes a setup, and then scheduled 10
>days before due date. So they can mail a check ;-) The last
>reason I had for checking was to get my canceled tax checks
>back, but now I get crappy unreadable on-line images back.
>Haven't had a legal case with this yet, but last one for
>"safe-keeping" checks almost cost us $1300 when judge would
>only accept copy of front and BACK of canceled check, stupid
>bank didn't copy the backs. Only won because we found a
>later statement showing they credited the check they didn't
>get ;-)
>
I just checked my Chase account and see the on-line statement
includes both sides of the check. I download the acct statements,
and have them stored on multiple hard drives, but they have them on
the Chase site going back years. Probably wasting my time doing the
downloads, as I've never needed them. Never know though.
I use Quicken for paying my bills, through Chase. Still have to set
up payees, only once if the payee doesn't change anything.
Lead time is a day or two more than mailing a check yourself for some
payees, but I've noticed many lead times drop in half, apparently
because the payee gets set up for electronic transfer from Chase.
I just had to get new checks this year. Used the last one, which
had 19bb printed on it. Had to write over that since the year 2000
came around.
This new box of checks will outlive me, but just in case I make it to
2100 I got them with all blanks in the date. Fool me once.....
It's not worth it for me to not have checks.
I paid 4 tradesmen this year with checks for work on my house, and
doing it otherwise would have been a hassle.
Then my wife and daughter subscribe to a couple magazines that aren't
set up on-line and require a subscription form with a check.
But if you can pay everything on-line, or with cash, and maybe do an
occasional MO, you could save by not having checks.
That box of checks cost me over 20 bucks because I did it the easy
way, through the Chase on-line.
Anyway, I'm not there. It just seems that once in a while the easiest
way to pay is to find where you buried the checkbook.
I wrote more checks this year, about 6, than the previous 3 years
combined.
--Vic
Gary Heston
E Z Peaces <ca...@invalid.invalid> wrote:
>Gary Heston wrote:
>> [ ... ] They're disallowing the
>> use of checks (personal, business, or certified) or money orders.
>> Too bad (for eBay) that checks and money orders are the only ways
>> to pay that are acceptable to me.
>Are they disallowing mailed payments because the seller doesn't know if
>they will arrive?
The stated reasons were "to provide a more consistent experience" and "to
reduce fraud". Although any fraud involving USPS money orders is extremely
rare, and no listings I ever looked at where checks were accepted failed
to state that the merchandise would not ship until after it cleared, or
would be held for some period of time to allow it to clear.
Most comments I've seen feel they're trying to push people to use PayPal
in order to collect a fee; they can't collect one on check or money order
payments. eBay tried to force everyone in Australia to use PayPal only;
the Austrailian government started an anti-trust investigation, eBay then
dropped the effort. Looks like they're trying a different strategy, here,
kill off the alternatives one or two at a time, until PayPal is the only
choice left.
Gary Heston
[ ... ]
>Checks and money orders? Are you people kidding? This is 2008, not 1908.
>It's simply not frugal to pay for things with checks and money orders
>because they cost too much in time and money.
Too much for you, anyway. For some of us, security has a higher priority,
and the sellers get a better deal--someone has to pay those PayPal fees.
larry
> Vic Smith <thismaila...@comcast.net> wrote:
>
>> The default is the bank account, and can't be changed.
>> If you know otherwise, and tell me how to do it, I will genuflect in
>> your direction.
> The ringer is "In some, but not all instances", it seems. If this
> feature is not available to you, perhaps a query to PP support will
> reveal what criteria they use to determine who gets it and who doesn't.
You can preset funding source on-
"Billing Type: Preapproved Payments
~~~~~~~~~~~~~~~~~~~~~~
Manage your Billing Agreement by logging into your PayPal
account and clicking the Billing Agreement link under your
Profile. In your Profile, you can choose and edit your
preferred funding source and cancel your Billing Agreement."
Also-
"You have successfully signed up for a subscription to xxxx
- Subscription using PayPal."
Everything else you need to override the default bank acount
to use cc.
BTW: The limit per month is the non- account holder deal
where you can make a paypal payment with credit card. There
ia also a deal where you can receive payments without an
upgraded account, I think that has the $100 per month, and
also has a "max" limit when you must upgrade to receive any
more payments. They change that stuff all the time, but it
is on their webpage ;-)
-- larry / dallas
clams_casino
>In article <gcijk2$oas$1...@aioe.org>, h <tmc...@searchmachine.com> wrote:
> [ ... ]
>
>
>
>>Checks and money orders? Are you people kidding? This is 2008, not 1908.
>>It's simply not frugal to pay for things with checks and money orders
>>because they cost too much in time and money.
>>
>>
>
>Too much for you, anyway. For some of us, security has a higher priority,
>and the sellers get a better deal--someone has to pay those PayPal fees.
>
>
>Gary
>
>
>
For us (over 10k Paypal payments received) Paypal fees are worth the
convenience vs. their fees because the payment is immediate. No bounced
checks, no trips to the bank and best of all, the items can be shipped
immediately - minimal wasted time finding the item vs. when payment is
received weeks after the auction ends. For casual sellers of a few
items, that may be acceptable, but with hundreds of auctions ending
weekly, shipping immediately is a significant time saver.
Added bonus for accepting Paypal is that 90% of all auctions are paid
via Paypal. To exclude those who prefer to pay via paypal significantly
reduces the number of potential bidders.
Your concern over security is only in your head, unless you are one of
the unreliable sellers who get credit card charge backs for disputed sales.
h
"Gary Heston" <ghe...@hiwaay.net> wrote in message
news:JrWdndkcgNf-wXDV...@posted.hiwaay2...
> In article <gcijk2$oas$1...@aioe.org>, h <tmc...@searchmachine.com> wrote:
> [ ... ]
>
>>Checks and money orders? Are you people kidding? This is 2008, not 1908.
>>It's simply not frugal to pay for things with checks and money orders
>>because they cost too much in time and money.
>
> Too much for you, anyway. For some of us, security has a higher priority,
> and the sellers get a better deal--someone has to pay those PayPal fees.
>
>
PayPal, using your credit card, you are 100% protected against fraud. Credit
cards are the ONLY payment option which offers a refund if the goods or
services are not provided. If you pay via check or money order you have no
recourse if the merchant fails to ship the goods, or they are not as
described. Well, I guess you could hire a lawyer and sue the merchant. Yeah,
that's frugal. How can any adult not know this?
Vic Smith
> The ringer is "In some, but not all instances", it seems. If this
>feature is not available to you, perhaps a query to PP support will
>reveal what criteria they use to determine who gets it and who doesn't.
Not a big deal. I'm used to changing the source to CC when I make a
purchase. Not a heavy user. I'll keep your advice in mind next time
I get to the point you mentioned, and see if I can change the default.
--Vic