Waiting for PayPal before posting

Sugar_Coated_Owl

You don't have to be a business seller to qualify for seller protection.

frivolous_fay

robbirroy wrote: »

Even posting by special delivery to a confirmed address doesn't stop the "item not as described and I'll send the seller an empty envelope so I have proof of return postage" scam or the "swap my broken innards for the brand new item" scam

You'll note I referred to 'chargebacks'

Spartan

FloFlo wrote: »

I am betting since the OP hasn't been back to reply to this thread that their payments have gone through as echeques which means the sellers have NOT received the money into their paypal accounts yet. Surely sellers can't be expected to post goods before payment has gone into their paypal accounts!

The payments weren't echeques, the PayPal payments were the same as usual for me - out of my bank AND PayPal account as soon as I clicked 'Pay'. The sellers weren't waiting for the money to go into their PayPal accounts, they were waiting for it to go into their banks.

I haven't been back to reply for very seperate reasons. Incidentally, I have not had this problem since, despite my usual (i.e. huge) amount of eBay purchases.

stolt

Hi i've seen this method mentioned over at paypalsucks.com, in fact most of the mods insist that you withdraw the money beforehand,having been on the end of paypal problems i can see why they would. I think for buyers it makes them feel safe and they dont have to fuss over chqs or postal orders.. I bet their members of paypalsucks.com.

surely if they had withdrawn it and you had a problem, and paypal found in your favour they would still refund you and then try to claim the money from the seller.

Spartan

stolt wrote: »

Hi i've seen this method mentioned over at paypalsucks.com, in fact most of the mods insist that you withdraw the money beforehand,having been on the end of paypal problems i can see why they would. I think for buyers it makes them feel safe and they dont have to fuss over chqs or postal orders.. I bet their members of paypalsucks.com.

surely if they had withdrawn it and you had a problem, and paypal found in your favour they would still refund you and then try to claim the money from the seller.

They most ceratinly would! It makes no difference whether the money is actually in someone's PayPal account or not - it a refund is rewarded the money is recovered, so long as the account still exists.
Plus when people engage in these 'waiting for the money to transfer to their bank' shenanigans they are completely sidestepping the fact that the whole point of PayPal is that it is INSTANT!!! (Well, not the whole point, but you know what I mean!)

digerati

Not to burst anyone's bubble's but recent (so-called) instant PayPal payments have been anything but. Apparently PayPal has a new fraud detection module that is prone to converting instant (balance or CC funded) payments to eCheque ones. The time lag is used by PayPal to decrease the velocity of multiple fraudulent payments, since it takes around 10 days to hit the recipient's PayPal account. This prevents the criminally-minded from going on large spending sprees funded from phished bank account details or purloined credit card data.

On several of the eBay forums (Seller Central, PowerSellers), sellers have reported a huge increase in the number of eCheques they're getting. After informing the customers of the need for funds to clear they were usually told that they were actually card funded. PayPal took it upon themselves to convert the payment to eCheque (presumably to slow the transfer - hinting at a potential of fraudulently obtained funds).

Hope this clears up the matter a bit more. This is unrelated to seller's not shipping until funds are safe in their bank accounts, which isn't standard practise. Such sellers would be better advised to insist on bank transfer which neatly bypass the PayPal toll gates. From May 2008 such transfers should be same or next business day, meaning sellers can ship much faster.

soolin

I don't think the echeque issue explains the problem on this thread though. If any seller gets an echeque then we quite rightkly wait until it clears until we ship..as per paypal's own instructions. This has nothing at all to do with cleared (ie non echeque payments) being transferred to recipients bank account before seller will ship.

A payment is either instant or it is not. An instant cleared payment requires seller to ship , an echeque does not..at least until such time as echeque clears.

doingwhatican

I do believe an echeque is when paypal use a direct debit to take the money from your bank rather than a terminal type transaction. They do this becuase it is cheaper for them to do so, plus they can sit on your money for ages and earn interest off it.

VickyA_2

I found this thread as I was looking for info about echeques. I bought a couple of things last week on ebay and paid the "normal" way through Paypal. The only option that paypal gave me was to pay via an echeque. It seems, having read through this thread that there is no way round this echeque malarky.

I even had "cleared funds" in my Paypal account.

Krystaltips

VickyA wrote: »

It seems, having read through this thread that there is no way round this echeque malarky.

I even had "cleared funds" in my Paypal account.

I had this exact same problem on Friday Vicky, I figured out it was because I hadn't updated my new debit card details so I updated them, got the seller to refund my echeque and then tried again. The new payment went straight through with account funds and a small top up from my debit card.

I checked my bank this morning and realised that paypal had deducted the echeque amount with a direct debit but it wasn't showing anywhere on my paypal account so I rang them up (With a little help from say no to 0870) to be told that the money would just be credited to my paypal account, I could transfer the money back myself for the standard 25p charge and a weeks wait but there was nobody available for me to speak to that could authorise a refund of the payment. I just rang my bank and made a claim under the direct debit guarantee!