PayPal - why?

forgotmyname

Kernel_Sanders wrote: »

Why? It has always worked on its own when I've used XP.

Printscreen captures the whole screen. Using ALT only captures the front window thats open. Ideal for popup boxes or where you do not need the full screen.

SnowTiger

Thrugelmir wrote: »

Paypal will default to a registered bank current account first.

After that credit cards are listed.

You should have selected the right account to be debited.

I did. The one ending 8072. PayPal decided it would take the money from my bank account instead.

Thrugelmir wrote: »

Unless you have a currency account. Then you'll suffer an exchange conversion cost. Unavoidable.

You can change the currency option here. Log in to PayPal first to set cookies, then go to that page. It seems to have got lost during PayPals website simplification.

I've spoke to PayPal about the issue. Their response was the same as yours: tough.

They gave me two options: contact the seller and ask them to cancel the transaction or cancel the Direct Debit.

SuperAllyB

DragonQ wrote: »

Yeah I don't like the way PayPal works these days much either. It has no setting any more, as far as I can tell, to select a default payment system, so I have to select my credit card manually for each transaction. It also often copies the address incorrectly during redirection from the seller's website.

You should be able to select whether you want the purchase to be in local currency or GBP though (obviously you want the latter for zero-loading, zero-fee cards).

Isn't the highlighted bit the wrong way round? Assuming you're talking about cards like Halifax Clarity or Santander Zero.

cfw1994

Still not clear to me why PayPal insists on using the bank account first over the credit card.
Asked them ages ago, but no response. Someone else asked today, which reminded me of this little irritation!

Anyone here know why?!

molerat

Probably costs them less.

OceanSound

Given up on paypal, after they stopped a payment for 'payment review', and held it for just over 24 hours. I didn't receive a notification through email or the account interface. When I complained to paypal, they didn't respond in the 4-8 weeks.

Took it to the financial ombudsman service. They've immediately turned to the paypal user agreement and said paypal only need to send notification to the seller. Apparently, the part in the agreement where it says

PayPal will provide notices to you by email and/or in the Transaction History tab of your PayPal account.

applies to the seller only (because the previous sentence mentions the seller).

Careful, if you ever find the need to take a Paypal complaint to the financial ombudsman service, only 1 in 20 complaints are decided in favour of the consumer.

Chapuys

I used to sell a lot on ebay in my youth (well late teens, early twenties) and I was advised not to have a bank account attached to Paypal.

Firstly, if someone fraudulently claims against you, Paypal can deduct the money straight from your bank account without asking before as you have a direct debit mandate with them and agreed they could do it (Terms and Conditions).
Secondly, heavens forbid I become useless at online safety, hackers cannot deduct money from my bank account via the Paypal direct debit. Debit/Credit Card transactions are easier to claim against.

Shakin_Steve

The only reason I use PayPal is so that the merchant does not have a copy of my card details on their database. If you're only going to use a merchant once, as I did this week for some gardening stuff, then you really don't want your payment details sitting in their files for ever (or until someone eventually gets hold of them)

eDicky

DragonQ wrote: »

You should be able to select whether you want the purchase to be in local currency or GBP though (obviously you want the latter for zero-loading, zero-fee cards).

No - you want the former, so that your card does the conversion, not Paypal.

Is the currency not selectable? I think it used to be.

Cornwall2000

Just had the same hassle with Paypal deciding to do it's own conversion instead of charging Halifax Clarity Credit Card in dollars.

I'm sure it used to ask at checkout.

The option to change this preference is very hidden away. Also Paypal customer service on the phone were absolutely no use and told me there was no option to pay in foreign currency.
This link worked for me

https://www.paypal.com/uk/cgi-bin/webscr?cmd=_profile-merchant-pull-funding&buyer_hub
then click on "Conversion Options" next to the card in question.
You need to be logged in to paypal first.

Just waiting now for the seller to refund the transaction.