Using PayPal on site like Timu rather than my own bank details

Socialsam1

hi, having looked at Temu etc, I am reluctant to use my own bank details to make a purchase. I was wondering if it would be better to use PayPal, that way it would be more secure. I was wondering what peoples experiences with PayPal have been like in addition would there be an alternative. Many thanks 

RFW

Socialsam1 said:

hi, having looked at Temu etc, I am reluctant to use my own bank details to make a purchase. I was wondering if it would be better to use PayPal, that way it would be more secure. I was wondering what peoples experiences with PayPal have been like in addition would there be an alternative. Many thanks 

I'd recommend using Paypal on every website, or another payment gateway that offers an extra layer of support.

I've used Apple and Google Pay but never had an issue so don't know what their help is like.

forgotmyname

More secure in some ways but with huge negatives in others.

Pay directly by card and you can do a chargeback or S75 but paying via paypal removes that option with some
banks/card providers.

I pay by card on almost everything and use the banking app to freeze the card from online purchases. Quite often
I make purchases and need to verify them with the app anyway.

RFW

forgotmyname said:

Pay directly by card and you can do a chargeback or S75 but paying via paypal removes that option with some
banks/card providers.

We're all different. Can I just clarify that section 75 is for credit card payments exceeding £100. So if you're not using a credit card and a purchase is under £100 then Paypal would give you the protection that the credit card companies wouldn't. Paypal is also quicker at getting your money back if there's a problem.

https://www.moneysavingexpert.com/reclaim/section75-protect-your-purchases/

vacheron

We have a Revolut card and not only is cheap for overseas spending, but the app allows you to generate a one time disposable card number for companies where you aren't expecting to make many any repeat purchases.

As soon as that card number is used once, the number changes and the old "card" expires so further payments cannot be taken. 

RFW

vacheron said:

We have a Revolut card and not only is cheap for overseas spending, but the app allows you to generate a one time disposable card number for companies where you aren't expecting to make many any repeat purchases.

As soon as that card number is used once, the number changes and the old "card" expires so further payments cannot be taken. 

Chase can let you generate new card numbers too, presumably others have that facility. One downside is that I've seen old numbers being used again, even though inactive, in one case a card was out of date too. That was nothing untoward, more of me not updating a card on a subscription but I was surprised it could happen.
I doubt any option is entirely scam proof. The best is to cover yourself as much as possible and be covered enough for the third party/bank to pick up the tab if something goes wrong.

teresa54

I use Paypal on Temu just to make me less more secure. I've had one instance, not Temu, it was an independent site, where Paypal gave me a refund where chargeback wasn't accepted - by Monzo [other times they've been very helpful, never had a chargeback refused, even one with Argos where they weren't replying to pleas for return of faulty strimmer - got the whole amount refunded]. Anyway, I luckily found a site which identifies scams, including the one I used. I sent the claim plus a link to the site and got the money back immediately so I imagine that if you can prove beyond reasonable doubt that your claim is valid then PayPal, at least in this instance, coughs up. Mind you, the scammers tried twice on the same day of refund to take another payment - c£50! Luckily the Monzo account is just for daily purchases and I hadn't topped it up so the payment was refused both times. I couldn't believe the cheek.  

soolin

Please note this thread is almost a year old.

mta999

Yes a year old but worth mentioning that there have been stories of people paying by PayPal and the merchant then setting up a continuous payment mandate and helping themselves ...

soolin

mta999 said:

Yes a year old but worth mentioning that there have been stories of people paying by PayPal and the merchant then setting up a continuous payment mandate and helping themselves ...

There's stories about all sorts of scammers, most of us use paypal frequently with no issues. 

mta999

soolin said:

mta999 said:

Yes a year old but worth mentioning that there have been stories of people paying by PayPal and the merchant then setting up a continuous payment mandate and helping themselves ...

There's stories about all sorts of scammers, most of us use paypal frequently with no issues. 

to quote a common phrase ...past performance is not indicative of future results