Paypal Not As Secure As You Think

frivolous_fay

Stuart_P wrote: »

disagree? no, simply saying that the post is opinion, not facts

I'm prepared to back up my so-called opinion with facts.

Are you?

Stuart_P

frivolous_fay wrote: »

I'm prepared to back up my so-called opinion with facts.

please do

frivolous_fay wrote: »

Are you?

which of my posts (my opinion remember) would you like me to 'back up' with facts?

frivolous_fay

Stuart_P wrote: »

which of my posts (my opinion remember) would you like me to 'back up' with facts?

Well, you accuse me of posting my 'opinion', but you have yet to qualify that.

So sure, start by explaining how my opinion is not factual.

windswept

If I may put in my two'penneth,
Paypal is always far safer for buyers than for sellers.
As long as buyers buy from sellers who have the buyer protection logo, even if their account is emptied, the money will be refunded to the buyer and the seller left in negative balance - fact.
My buyers are protected up to £500, so if a scammer decided to pick on me and buy goods to the value of £500, there is a large chance, that even if paypal wouldn't refund him directly, a credit card chargeback would have them rolling over and giving in. Even with full seller protection, I am not convinced that paypal would not take the money from me.
We are talking about buyers, aren't we?
If people are going to make sweeping generalisations, they should at least be prepared to back up their statement with actual facts.:rolleyes:

Stuart_P

frivolous_fay wrote: »

Well, you accuse me of posting my 'opinion', but you have yet to qualify that.

So sure, start by explaining how my opinion is not factual.

first off, where are the facts to prove or verify the statement below?

frivolous_fay wrote: »

Sure, paypal has its flaws but it is the SAFEST way to PAY on ebay.

unless verified or proven, it is opinion

frivolous_fay

Stuart_P wrote: »

first off, where are the facts to prove or verify the statement below?

unless verified or proven, it is opinion

K. I'll give a score of 1 to all the points below, assuming a transaction gone bad with an uncooperative seller.

FACT: Paypal has protection for sellers. It's not foolproof, but it's there. It can obtain a refund of up to 100%
1

FACT: You can fund paypal with a credit card. This gives you the option to do a chargeback. This can obtain a refund of up to 100%.
1

FACT: Paypal will mediate in an item not as described dispute. If successful, you can get a refund of up to 100%
1

Score 3, with all methods offering up to 100%,

Feel free to score an alternative payment method that has the capacity to refund 100% in the event of a dispute and an uncooperative seller.

Dave_Brooker

frivolous_fay wrote: »

Feel free to score an alternative payment method that has the capacity to refund 100% in the event of a dispute and an uncooperative seller.

Pay by cheque, no goods appear you can have an address and can thus sort it out.

frivolous_fay

I'm afraid having an address is not a magic wand which will make all your problems go away.

What if:

- It's a PO box?
- It's on the opposite end of the country and gosh, seller isn't replying to your letters? Are you really going to go to court over a few quid?
- It's not the residence of the seller, and the resident can't or won't supply the seller's address?
- It's an office address and no-one of that name works there?

The bank won't help - once it's paid in, the cheque is as good as untraceable.

greenstreetprince

Dave_Brooker wrote: »

Pay by cheque, no goods appear you can have an address and can thus sort it out.

sort what out?

you go to the police crying to say that you've been ripped off, you have to prove that you actually sent the cheque for a specific item, and then you have to prove that you never received goods.

whereas with paypal its down to the seller to provide proof of delivery.

RoyaleMale

frivolous_fay wrote: »

Because if paypal fail to get my refund, I'll be straight on the blower to my credit card, who have no problems giving me my cash back.

Yes but this will result in you owing paypal money. Your paypal account will show the credit card refund as deficit.