Most secure way to pay fir villa abroad

mrs_lds

We are going abroad in april and want to book a villa. They dont take credit card but pay pal.
Is paypal secure to pay??

jonesMUFCforever

Is it a one off villa from a person as opposed to a company website?

I don't really know enough about Paypal to give advice but if it is a company and they don't accept cards then they would not get my business.

martindow

Paypal allow claims up to 180 days which you would be well within. It will certainly provide more protection that a bank transfer for instance but I've no idea how easy it would be to claim. Here's a Which? article on using Paypal.

https://www.which.co.uk/consumer-rights/advice/can-i-claim-against-paypal-if-i-dont-get-what-i-paid-for

If you choose to pay this way you can pay with a credit card although this won't give you S75 protection as you are paying via an intermediary.

Have you googled the name of the person asking for payment or the address to see if you can find anything reassuring (or not)?

NoodleDoodleMan

You can link your PayPal account to a credit card which (I presume) gives you the safeguards provided by the CC company.

Mine is American Express Platinum, all PP purchases appear on my Amex monthly statement - and I get cashback as well, a nice little earner.

PeacefulWaters

NoodleDoodleMan wrote: »

You can link your PayPal account to a credit card which (I presume) gives you the safeguards provided by the CC company.

Mine is American Express Platinum, all PP purchases appear on my Amex monthly statement - and I get cashback as well, a nice little earner.

Breaks the chain for Section 75 protection.

knightstyle

Make sure you do not use the gift method of paying by Paypal. The owner should send you a paypal payment request detailing what you are paying for.

benjus

I've noticed that PayPal itself now offers a credit option... I guess that this would give Section 75 protection. Might be the safest way to pay. No idea if the interest rate is competitive, but you can pay it off straight away to avoid that anyway.

Voyager2002

NoodleDoodleMan wrote: »

You can link your PayPal account to a credit card which (I presume) gives you the safeguards provided by the CC company.

Mine is American Express Platinum, all PP purchases appear on my Amex monthly statement - and I get cashback as well, a nice little earner.

No, for the reason stated immediately below your post.

NoodleDoodleMan

No, for the reason stated immediately below your post.

Thanks for the clarification.

Not that I would use PayPal to purchase anything that I wanted credit card protection for, or any substantial outlay.

More and more online merchants are accepting PP and the cashback is useful via Amex.

unholyangel

You can be protected via section 75 when using paypal, but only where they are acting as nothing more than a payment processor.

The issue with paypal is that usually instead of paypal taking the money straight from your card to give to the retailer, you actually use your paypal balance - for which your card is the funding source. So the money instead goes from your card to your paypal balance then to the trader to pay (which as above, breaks the necessary chain).

As for OP's issue....how much are you paying and is it above the amount paypal offer protection on?

mrs_lds

unholyangel wrote: »

You can be protected via section 75 when using paypal, but only where they are acting as nothing more than a payment processor.

The issue with paypal is that usually instead of paypal taking the money straight from your card to give to the retailer, you actually use your paypal balance - for which your card is the funding source. So the money instead goes from your card to your paypal balance then to the trader to pay (which as above, breaks the necessary chain).

As for OP's issue....how much are you paying and is it above the amount paypal offer protection on?

We are oaying £700