Using A Credit Card For Safe Puchases Instead of Paypal

MyRealNameToo

https://forums.moneysavingexpert.com/discussion/6670921/using-a-credit-card-for-safe-puchases-instead-of-paypal

All protections have rules and boundaries intended to make their application straightforwards, cost effective and balance protections of the card holder with certainty for all the other parties.

Chargeback and S75 are likely better than PayPal, though the former isnt mutually exclusive, overall but there are scenarios where PayPal protection would apply whereas a S75 wouldnt so it's not that there is an absolute hierarchy.

CliveOfIndia

"M&S have a similar arrangement with HSBC"

M&S are actually owned by HSBC - so, although they operate as a different business area within the HSBC company, it's likely that the HSBC procedures also apply to M&S.

https://bank.marksandspencer.com/about-us/fscs-protection/

born_again

https://forums.moneysavingexpert.com/discussion/comment/82022194#Comment_82022194

Use a credit card direct to merchant.

CC should get funds back, but will not replace item.

TracyJackson12

Both options have their advantages. A credit card can offer strong purchase protection and chargeback rights, while PayPal adds an extra layer between you and the seller. The best choice often depends on the retailer and the type of purchase being made.

Emmia

https://forums.moneysavingexpert.com/discussion/comment/82022917#Comment_82022917

Some credit cards (like Amex) offer the option of a one time card details which can help avoid subsequent fraudulent transactions when used for online purchases.

theFlash

https://forums.moneysavingexpert.com/discussion/comment/82022937#Comment_82022937

That's a very interesting point. None seem to detail this in the card description, but for my purposes I think this would be vital.

Maegi

https://forums.moneysavingexpert.com/discussion/comment/82022508#Comment_82022508

M&S don't have a similar arrangement - M&S Bank is now just a brand of HSBC UK much like First Direct.

Chargeback T&Cs are also defined by the card scheme not the card Issuer; so other than any general customer service skills, a Mastercard from one UK issuer will have the same protections as another UK issuer.

I personally use PayPal for low value transactions as they're fairly good at refunding if any issues and much less hoops to jump through than a chargeback.

theFlash

I found that Paypal immediately dismissed any claim if initiated even a day after 30 days. Its often after that time limit that you find that the supplier is not going to honour their own guarantee or your statuary rights. So I find Paypal to be not fit for the purposes I expected.

I gather it used to be a longer period after purchase, but they've been limiting things quite a lot recently.