Which is best, paypal or credit card?

lindos90

Im possibly about to make a couple of largish purchases from ebay (appliances and accessories for a new kitchen).

I know all sellers are expected to accept Paypal, but some of the sellers ive been looking at also accept credit and debit cards, and suggest the buyer calls and pays directly on the phone after 'buying it now'.

Now if I recieve my goods, and they are damaged/faulty which option would give me the best recourse? (im trying to have hindsight before it happens:rotfl:)

Should I pay by pay pal, thereby giving me paypal protection, or would a creditcard give me as much, if not more consumer protection if things went wrong?

zorber

lindos90 wrote: »

Im possibly about to make a couple of largish purchases from ebay (appliances and accessories for a new kitchen).

I know all sellers are expected to accept Paypal, but some of the sellers ive been looking at also accept credit and debit cards, and suggest the buyer calls and pays directly on the phone after 'buying it now'.

Now if I recieve my goods, and they are damaged/faulty which option would give me the best recourse? (im trying to have hindsight before it happens:rotfl:)

Should I pay by pay pal, thereby giving me paypal protection, or would a creditcard give me as much, if not more consumer protection if things went wrong?

Credit card gives you maximum payment protection especially against non delivery. I personally hate paypal but if you use paypal and then use a credit card to fund the payment you get protection against paypal.

As for items damaged on delivery you would have to send them back by recorded delivery so would be out of pocket. Advice dont go there if you think the transaction is risky

lindos90

Thanks, I thought the buyer only had to pay return costs if it was not a business seller? (for faulty/dmaged items, not a change of mind)

soolin

lindos90 wrote: »

Thanks, I thought the buyer only had to pay return costs if it was not a business seller? (for faulty/dmaged items, not a change of mind)

There is no way though of forcing a seller to refund return postage unless you go to the effort of small claims.

lindos90

soolin wrote: »

There is no way though of forcing a seller to refund return postage unless you go to the effort of small claims.[/
QUOTE]

Thanks Soolin, is that something perculiar to Ebay?

I half remember something in legislation that says a customer is not liable for return of postage of item is damaged/faulty, but can't remember exactly where it was from.

macfly

It's not peculiar to ebay. If any vendor refuses to comply with the law, county court is your only recourse.

mobile48

You have extra protection with items brought But It Now from a business seller.

If you decide to use PayPal make sure you take time and care to change the option for the transaction to take payment from the source you decide to use.

Even if you do this correctly PayPal does not always use the method you want and may take from an alternative source however the only experience I have of this is PayPal taking it from a credit card and not a bank.

PayPal buyer protection terms say they do not cover items that cannot be posted. No idea what it means but personally I would check first.

mobile48

Read the following:

http://www.which.co.uk/consumer-rights/sale-of-goods/your-rights-when-paying-by-credit-card/chargeback-on-credit-and-visa-debit-cards/

Especially the bit about PayPal at the end.

What does that bit mean?

Why I ask the question is it only covers two of the three sources PayPal can take money from (balance/current account/card).