Paypal Alternative

BenjaminBritcliffe

Hello, Recently I have had a major poor experience with Paypal and their customer serivces. Only problem is I like using ebay. I have a few questions.

A. Is it safer to just use your card than having an account with PP?

B. What if something such as an Item is not as described etc. and I just use my card? Who do I call to get my money back? My card company?

If all else fails I guess amazon is the altenative!

soolin

BenjaminBritcliffe wrote: »

Hello, Recently I have had a major poor experience with Paypal and their customer serivces. Only problem is I like using ebay. I have a few questions.

A. Is it safer to just use your card than having an account with PP?

B. What if something such as an Item is not as described etc. and I just use my card? Who do I call to get my money back? My card company?

If all else fails I guess amazon is the altenative!

A) using a credit card gives you protection of a sort, not quite as easy as using paypal but there is some protection depending on your card and the amount you spend. However, not many sellers take credit cards on eBay.

. Depends on your card and the amount you spend, no quick and easy claim as there is with eBay

C). Amazon have their own payment system and don't use paypal.

JethroUK

BenjaminBritcliffe wrote: »

Hello, Recently I have had a major poor experience with Paypal and their customer serivces. Only problem is I like using ebay. I have a few questions.

A. Is it safer to just use your card than having an account with PP?

B. What if something such as an Item is not as described etc. and I just use my card? Who do I call to get my money back? My card company?

If all else fails I guess amazon is the altenative!

Add far as I know eBay insist you have a paypal account and that you have to offer paypal as a method of payment to your buyers

Could be old news so I'm not for sure our still applies particularly since eBay and pay pal are now separating

RFW

JethroUK wrote: »

Add far as I know eBay insist you have a paypal account and that you have to offer paypal as a method of payment to your buyers

Could be old news so I'm not for sure our still applies particularly since eBay and pay pal are now separating

It still applies and will do well after they split.

soolin

JethroUK wrote: »

Add far as I know eBay insist you have a paypal account and that you have to offer paypal as a method of payment to your buyers

Could be old news so I'm not for sure our still applies particularly since eBay and pay pal are now separating

A seller must have and must offer paypal. A buyer doesn't have to have a paypal account, but it is possible for a seller to block buyers who don't have one.

From the OP I assumed the OP was a buyer, although admittedly a buyer who feels paypal doesn't give enough protection is quite unusual.

VanyaHargreeves

Paypal gives you protection beyond statutory rights. Credit/Debit cards will give you protection, but generally it's when you spend over a certain amount, and most of the time the rights you get will be the basic statutory ones. It depends on your provider and the type of card you have with them.

JethroUK

VanyaHargreeves wrote: »

Paypal gives you protection beyond statutory rights. Credit/Debit cards will give you protection, but generally it's when you spend over a certain amount, and most of the time the rights you get will be the basic statutory ones. It depends on your provider and the type of card you have with them.

Nope

you don't need a credit card company to get your statutory rights
That's what the law is for
although they can often help

All any protection offered by your credit card company is always over and above your statutory rights

martindow

Is the OP is thinking of using a card to pay via paypal rather than using a card directly to pay the seller? I don't think that gives any additional protection as card issuers are likely to refuse Section 75 claims as they consider paypal as third party payments.

RFW

JethroUK wrote: »

Nope

you don't need a credit card company to get your statutory rights
That's what the law is for
although they can often help

All any protection offered by your credit card company is always over and above your statutory rights

That's not actually correct under section 75 of the consumer credit act, the credit card company is "jointly and severally liable for any breach of contract or misrepresentation by the company". It is for purchases over £100.
That isn't above statutory rights, the credit card company has the same responsibility as the retailer, so within statutory rights. They offer joint protection within the law, nothing more than that.

Details in a Which article here.