Paypal must be having a laugh?

custardy

Laurie_Sicard-Askey wrote: »

It does with contactless payments.

10 years ago? You were a bit ahead of the curve were you not?
Or if you mean present day. The money just transfers via magic?

unholyangel

Laurie_Sicard-Askey wrote: »

It does with contactless payments.

Custardy is referring to the merchants ability to take payment rather than the customers ability to make payment.

When you buy from a shop they use a payment processor like streamline to enable them to collect card payments. No payment processor = card payments (even contactless) not accepted.

GotNoMoney

Paypal should not be taking the funds from my bank if the balance is there in Paypal already. They state this twice on their website in my account:

On the left it says: "Paying instore. Choose how you prefer to pay in shops. If you have a PayPal balance, we'll use it first."

On the right it says: "Paying online. Choose how you prefer to pay at other sites. If you have a PayPal balance, we'll use it first."

That part " If you have a PayPal balance, we'll use it first" isn't true.

There can be funds in Paypal and money gets taken from my bank, straight off the bat. When that happens the money doesn't reduce in Paypal, I end up transferring it BACK to my bank and then get a £10 bank charge because Paypal tried to take money when there wasn't enough to cover it in the bank! It always is there in Paypal where it is supposed to be if buying something on eBay which is what I was doing.

I repeat: " If you have a PayPal balance, we'll use it first"

First!

They don't, aren't and this can't possibly be legal.

I am sick of getting £10 charges!

Leaving no money in Paypal doesn't work, then they don't take it from my bank or Paypal and just ask me to put money in Paypal, it is some sort of "bank charge racket" or something. Paypal hates you not having a balance in Paypal... to the point they won't take out money from Paypal, they will go directly to your bank account - even though you already did transfer enough funds into Paypal.

I don't think people quite grasp how illegal that is especially with "If you have a PayPal balance, we'll use it first" listed under all payments on their own website.

No one cares and they always get their own way even if stealing is occurring.

hollydays

I haven't read the whole thread , but you do realise there is a charge for using PayPal with merchants? Could it be the charge that has put your account into the red?

bod1467

Is there really? Do these merchants make it clear to consumers that they are adding a charge for using Paypal as the payment method - before the transaction completes? (OP is a consumer, not a merchant).

OP - are you saying these bank charges have happened more than once? if yes, why hadn't you worked out earlier what was happening? (There's an expression along the lines of ... Fool me once, shame on you; fool me twice, shame on me. Or you could also look up George Dubya's hilarious goof).

That said, you seem to have evidence of Paypal not following their own policies - why not send Paypal a letter before action to reclaim your bank charges?

takman

It quite clearly tells you when you pay with PayPal where the funds are coming from. Next time you buy something just pay for attention to what it says and if it says it will take the money from your card then stop the transaction if you don't have enough money!.

I've never had this problem with PayPal and it has always used the balance first automatically. They do this because if they take the money from a card it costs them more to process than money already in the account. So they have no incentive to take the money from a car when their is a balance in PayPal.

But considering that you seem to have no idea how PayPal works it seems it's more likely that the fault is to do with user error than PayPal.

wealdroam

GotNoMoney wrote: »

Paypal should not be taking the funds from my bank if the balance is there in Paypal already. They state this twice on their website in my account:

On the left it says: "Paying instore. Choose how you prefer to pay in shops. If you have a PayPal balance, we'll use it first."

On the right it says: "Paying online. Choose how you prefer to pay at other sites. If you have a PayPal balance, we'll use it first."

That part " If you have a PayPal balance, we'll use it first" isn't true.

There can be funds in Paypal and money gets taken from my bank, straight off the bat. When that happens the money doesn't reduce in Paypal, I end up transferring it BACK to my bank and then get a £10 bank charge because Paypal tried to take money when there wasn't enough to cover it in the bank! It always is there in Paypal where it is supposed to be if buying something on eBay which is what I was doing.

I repeat: " If you have a PayPal balance, we'll use it first"

First!

They don't, aren't and this can't possibly be legal.

I am sick of getting £10 charges!

Leaving no money in Paypal doesn't work, then they don't take it from my bank or Paypal and just ask me to put money in Paypal, it is some sort of "bank charge racket" or something. Paypal hates you not having a balance in Paypal... to the point they won't take out money from Paypal, they will go directly to your bank account - even though you already did transfer enough funds into Paypal.

I don't think people quite grasp how illegal that is especially with "If you have a PayPal balance, we'll use it first" listed under all payments on their own website.

No one cares and they always get their own way even if stealing is occurring.

Have you checked your settings - as advised several weeks ago, in post#5?

GotNoMoney

wealdroam wrote: »

Have you checked your settings - as advised several weeks ago, in post#5?

No because it says (twice) on the settings page of my Paypal account that they will take funds from Paypal first.

Please see image: http://i.imgur.com/KJWHMYX.png
(look what it says next to the green circles with ticks!)

There aren't "settings" and if there were, I would only be looking at something that is telling me it will take funds from Paypal first, when that isn't what happens.

No it isn't the 3.4% charge or the 20p flat charge. That doesn't even come close, it is the full amount.

Here's how it happens:

1. See a nice item I want on eBay.
2. Transfer whatever it is exactly to Paypal, let say £30.
3. Wait five minutes.
4. Pay for the item on Paypal.
5. A few days pass and the money in Paypal (£30) is still there.
6. I leave the money there thinking they will take it eventually.
7. A few more days pass.
8. Paypal unlawfully takes £30 from my bank account.
9. I transfer the £30 back from Paypal to my bank.
10. My bank sends me a £10 charge for going overdrawn.

It has nothing to do with settings and everything to do with stealing.

Changing settings can't make that say anything better than that. They say they will use Paypal funds first then do the complete opposite.

With this in mind what exactly is Paypal at that point apart from a blue logo?

They are doing literally nothing because they aren't even providing me with a service if they are taking money from my bank straight off. I mean I could just pay on a debit or credit card to do that, so where is Paypal actually offering goods or services in any of that? They aren't!

Also since the money is directly being taken why is there a 3.4% Paypal charge?

Paypal was provably not used, the money remained sat there?! So how come they can still charge 3.4% when the bank (not Paypal) is being used as the payment source (against my will)?

How can Paypal legally be allowed to force users in the UK to use it on eBay and then break laws by taking money at the same time as telling the customer they take Paypal funds "first" for online and offline payments?

They are liars.

You're telling me to change settings when no such settings exist to be changed and it is already "set" to take funds from Paypal first anyway.

custardy

GotNoMoney wrote: »

No because it says (twice) on the main page of my Paypal account that they will take funds from Paypal first.

There aren't "settings" and if there were I would only be looking at something that is telling me it will take funds from Paypal first, when that isn't what happens.

No it isn't the 3.4% charge or the 20p flat charge. That doesn't even come close, it is the full amount.

Here's how it happens:

1. See a nice item I want on eBay.
2. Transfer whatever it is exactly to Paypal, let say £30.
3. Wait five minutes.
4. Pay for the item on Paypal.
5. A few days pass and the money in Paypal (£30) is still there.
6. I leave the money there thinking they will take it eventually.
7. A few more days pass.
8. Paypal unlawfully takes £30 from my bank account.
9. I transfer the £30 back from Paypal to my bank.
10. My bank sends me a £10 charge for going overdrawn.

It has nothing to do with settings and everything to do with stealing.

Stage 2 is not required. Simple as that.
When you make a purchase,you select the funding option from the checkout page.
So you went with card/instant payment vs paypal balance.

shaun_from_Africa

GotNoMoney wrote: »

Telling me to mess about with settings won't do anything, except make me think you work for Paypal in some capacity.

You are 100% correct. Telling you to change the Paypal settings won't do anything.
However, your actually following advice and changing the setting most certainly will do something.

Seeing as your post refers to using Paypal to buy something from ebay, I will use that to show where you are going wrong.
When you choose "pay with paypal", you get this on the checkout page:

Notice that above the credit card symbols it states "pay after delivery". This is the default option and with this, the money is taken from your bank.
There is also a "change" option in the same place.
Click on this link and you get the following and this page allows you to choose where the payment will come from: