New paypal account help pls

innovate

soolin wrote:

If you only want to keep a basic account for selling then you can't tick the 'I accept paypal' in the payment listings, all you can do is mention in your listings somewhere that you will take paypal as long as the buyer only uses a straight paypal balance transfer.
Soo

I could tick the "I prefer Payal" box when I had only a basic Payal account. That was in June this year.

I have since upgraded that account to 'premier', but I now also have got a second, basic, Paypal account.

I have set my ebay preferences so that all the three possible Paypal options are ticked. When I create an auction/shop item, I can specify which Paypal id (=email id) I want the payment to go to. It defaults to my Premier paypal account, so I have to remember to change it to my personal one if I want to use that one.

See the "avoiding Paypal charges " thread - I know you don't think my suggestion is a good one, and I might agree with you once my current trials are over....but then I might find it works for me and for my buyers....the jury is out

innovate

shellnsteve wrote:

If a seller displays the Paypal logos/this seller prefers Paypal line, then they can accept card payments.

A seller who only has a personal account cannot use the Paypal logos, but what they can do is put a little line in the listing saying they can accept Paypal but only from funds.

Unless this has changed since June this year, it is not correct that a 'basic paypal' seller cannot use the paypal logos implying that card payments are accepted.

I ran straight into a problem with this in June, caused a lot of heartache for the buyer and myself.

The situation: I had ticked the "prefer Paypal" box [resulting in that Paypal + cards logo being displayed in my auction], buyer paid with debit card, I got invitation to upgrade my account. I didn't accept the payment, buyer never reacted to my request to fulfil their payment via bank transfer [or sending me a cheque instead of the now credited Paypal payment], so I filed a non-payment dispute. Buyer and myself had some ping-pong message exchanges (both of us under the impression we were right) but right from the start of the filed dispute, I saw the "Final Value Fee Credit accepted" icon ticked (and eventually did get the credit, whilst the poor buyer has ended up with a non-payment strike).

My assessment of it all is that it is terribly confusing to both, buyers and sellers, and that Paypal/eBay [the same company, after all] are making it deliberately non-transparent, so Sellers are lured into premier accounts (i.e. ebay/paypal can make 20p +3.4% more of each transaction). See the thread on avoiding Paypal fees?

Wig's question "How do I know if my seller has a premier account? " is absolutely justified, IMO. And the answer at present appears to be "You don't, you rely on the seller having, or upgrading to, a premier/business account, or you risk a non-payment strike".

Unfair to both, buyers and sellers, and in the interest of eBay and its Paypal subsidiary only.

That's my two pennieth to this discussion - now shoot me dead if I am wrong!

One final comment: Coping with the additional Paypal premier account charges might well be ok for Powersellers, but for the occasional eBay seller, and for people trying to get onto the "powerseller ladder", it is an unwelcome obstacle. For buyers, especially the occasional ones [like 'mine', who got a non-payment strike on their first eBay transaction], this in-transparency can also prove frustrating. IMHO, it's eBay/Paypal who loose out in the end because they are making it unnecessarily complex/intransparent for their clients, in a quest to boost their own revenues. Their market leadership appears to be making them overly complacent at the moment.

masonic

Let me get this straight. Ebay would lodge a NPB strike against a buyer who sent a payment by CC using Paypal if the seller refuses to accept it? That does sound extremely unfair if it is the case.

shellsuit

Originally Posted by shellnsteve
If a seller displays the Paypal logos/this seller prefers Paypal line, then they can accept card payments.

A seller who only has a personal account cannot use the Paypal logos, but what they can do is put a little line in the listing saying they can accept Paypal but only from funds.


Unless this has changed since June this year, it is not correct that a 'basic paypal' seller cannot use the paypal logos implying that card payments are accepted.

A seller with a personal account cannot use the Paypal logos in their listings. If you look at the 'payment methods accepted' part of a listing, if you chose the Paypal option, it comes up with Mastercard/Visa/Delta etc logos.

As a personal account seller cannot accept payment by a card, they cannot use this option.

You can say in your listing description you accept Paypal but you must make it clear you can only accept payment from Paypal funds.

The piece about your buyer getting a non payment strike is unfair. You chose to opt for the Paypal logo, the buyer thought he could pay with a card but couldn't as you only had a personal account, so the buyer was in the right, you were in the wrong I'm afraid.

shellsuit

Taken from Paypals rules :

PayPal account holders may not deceive buyers as to the nature of their account. That is, if you advertise on a listing that you accept credit card payments through PayPal, you must have a Premier or Business PayPal account or be willing to upgrade from a Personal PayPal account to a Premier or Business PayPal account when you receive your first credit card funded payment.

PayPal account holders may not split payments between a Personal PayPal account and a Premier or Business PayPal account by directing buyers paying with credit card to pay their Premier or Business account and buyers paying with PayPal balance or bank account to pay their Personal account. Any business payments that are split and made to a Personal account will be subject to fees applicable to a Business or Premier account. Personal accounts are for personal use only. If you would like to do business through your PayPal account, please use a Premier or Business account.

soolin

Innovate..it is physically possible to tick the I accept paypal' box even if you don't have a premier account, however my point was that you 'shouldn't' tick the box as you don't accept paypal, only paypal direct transfers.

If you look in the ebay help section it makes it very clear, look particularly in the yellow box near the bottom of the page where it says clearly "Important: You should only select the PayPal option if you are willing to accept debit or credit cards through PayPal."

http://pages.ebay.co.uk/help/sell/paypal.html

Accepting paypal or not is nothing to do with being a power seller, yes we have some high powered power sellers on here, but there are also many of us who are just ordinary sellers.

Soo

shellsuit

masonic wrote:

Let me get this straight. Ebay would lodge a NPB strike against a buyer who sent a payment by CC using Paypal if the seller refuses to accept it? That does sound extremely unfair if it is the case.

e-Bay don't do this. If the seller in this case had gone down the 'mutual option' route, the buyer wouldn't have got a strike.

Obviously they were classed as a non paying bidder in this case, which is not true, as they did want to pay and were sticking to the sellers TOS. The seller changed the terms, so the buyer is not in the wrong here at all.

This is why it is SO important not to use the logos if you only have a personal account.

innovate

masonic wrote:

Let me get this straight. Ebay would lodge a NPB strike against a buyer who sent a payment by CC using Paypal if the seller refuses to accept it? That does sound extremely unfair if it is the case.

yes, this is what happened.

shellsuit

innovate wrote:

yes, this is what happened.

That couldn't have happened. You as the seller have to lodge the complaint. There is no option for you to lodge a complaint as 'I have changed my terms, refunded my buyer and want them to pay by other means'.

soolin

masonic wrote:

Let me get this straight. Ebay would lodge a NPB strike against a buyer who sent a payment by CC using Paypal if the seller refuses to accept it? That does sound extremely unfair if it is the case.

Unfortunately it is one of those unfair loopholes on ebay, however, it is also possible for the buyer to do a non performing seller claim on the same trasaction which is always worth considering. If I had an NPB against me for refusing to pay by cheque when the auction stated that paypal was accepted I would sure be letting ebay know how upset I was...

LIkewise, I'm not sure how many people are aware that if you have a buyer do a chargeback on you through paypal, as soon as they are paid out the seller can do an NPB assuming they are in time, and put a strike on the buyers account.

Soo