Will not accept paypal

lainyshotts

i have tried to pay a couple of items this weel thriugh pay pal as that was a preferred payment on the items but they have been refused and refunded to me and thery want me to pay cash through pay pal and i don't know how to to this they said that there pay pal doesn't accept credit card but it is my switch card that i use what do i do? Help Lorraine

Thefunkygibbons

This is a recent problem I have spotted

The seller does not have a business paypal account but only a personal one.

That means that they can only accept paypal where it is funded from a paypal balance not from a credit card.

Therefore, that means that you have to fund your paypal account from previous transactions or by loading it yourself (at your expense)

I think that this is a nuisance if the vendor did not make this clear in the auction

If you want to save money, send a cheque but this increase your risk and will delay the item

roses

You first have to withdraw from your bank account to your paypal account (approx 5 days) then you can pay the seller. As Thefunkygibbons says, the seller does not have a business account & paypal insist you must pay for a business account if you want to accept money from people who pay using debit or credit cards.

It sucks as I refuse to pay for a premiem account as their fees are already extortionate which means people who pay me on ebay when I sell items have to pay via cash or postal order/cheque!

lainyshotts

thankyou, i think i will get a couple of postal orders as i haven't a cheque book

Jellicle

Yep, me too.
(I have a 'personal' Paypal account and can't accept card payments - the fees involved does not make it worthwhile on ebay unless you are a serious trader).

PayPal charges over the top for payments from accounts funded by a card (credit or debit/switch).

I offer PayPal as an option on my auctions BUT spell out that I prefer payment by cheque and will accept postal orders and bank transfers too.

However when I click the Paypal option whilst creating a listing PayPal always puts up their logo with the visa/credit cards pictures and puts it first on the list of my payment options. This is an underhand marketing ploy by Paypal. (They also make it hard to choose this option rather than the "Paypal preferred" option).

If a seller says he accepts cheques as well as Paypal then usually you can trust them (all else being well) because if they are taking the risk with Paypal (it protects the buyer) then they have confidence in their item and that there will be no problems.
A Seller acceptting a cheque is taking the risk that it is a stolen chequebook (they can't check the signature) so again it should be okay for the buyer.

When it comes down to it all internet purchases are based on trust.
Check out their feedback and if everything looks okay, and you still want the item, then send a cheque.

Obviously if a lot of money is involved then the risk is greater - but if that is the case then even Paypal may not protect you (they are too easy to defraud!)

kika32

Personally, I'd point out the cost to them of purchasing the Postal Orders and ask that they contribute towards it.

By listing Paypal as a payment method, they are obliged to accept it. It's not your fault they do not have a account capable of accepting funding from cards and did not bother to mention this in the listing. If they had, that would be a different matter but neglecting to inform you of that information beforehand leaves them at fault.

innovate

lainyshotts, I think you should be able to use the "send money" function in Paypal. You can fund this from a bank card, and unless I am very mistaken, the recipient can receive the payment into their personal account.

Just make sure your previous payment has actually been refunded before you pay again, by whatever method!

soolin

kika32 wrote:

Personally, I'd point out the cost to them of purchasing the Postal Orders and ask that they contribute towards it.

By listing Paypal as a payment method, they are obliged to accept it. It's not your fault they do not have a account capable of accepting funding from cards and did not bother to mention this in the listing. If they had, that would be a different matter but neglecting to inform you of that information beforehand leaves them at fault.

I agree. If the original auction said that the seller took paypal then he is obliged to accept paypal funded whoever the buyer wished to fund it. I certainly would not now pay using a different method that gives me no protection. In fact the buyer now has th eopportunity to report the seller as a non perfomring seller for refusing the payment method outlined in the auction.

If a seller does not want to accept paypal payments via credit or debit cards then they must not show the paypal logo in their auctions. All they can do is mention in the auction listing that they will accept paypal only funded by a direct paypal transfer.

Soo

masonic

roses wrote:

You first have to withdraw from your bank account to your paypal account (approx 5 days) then you can pay the seller.

Correct me if I'm wrong, but if you have a bank account registered, you can pay by instant bank transfer (i.e. pay normally, but funded from your bank account rather than credit card) the payment is just as quick as credit card. The problem with this method of payment is that you don't have your credit card company to fall back on if something goes wrong and paypal do not find in your favour.

Personally, if I was faced with this situation, I would probably insist on the payment being accepted by credit card, or start a non-performing seller complaint with the aim of pulling out of the sale. If I did decide to pay by another means, then I would certainly not be leaving positive feedback.

innovate

soolin wrote:

I agree. If the original auction said that the seller took paypal then he is obliged to accept paypal funded whoever the buyer wished to fund it. I certainly would not now pay using a different method that gives me no protection. In fact the buyer now has th eopportunity to report the seller as a non perfomring seller for refusing the payment method outlined in the auction.

Soo

We are warming up an old thread again - I would advise against filing a non-performing seller because that is likely to cause further aggro and - based on my experience - may actually not be awarded to the buyer.

I would think there is a good chance that the seller was entirely unaware that he had offered credit/debit card payment, and an "in-the-face" approach by filing a dispute may not be the smartest way to resolve the matter.

soolin wrote:

If a seller does not want to accept paypal payments via credit or debit cards then they must not show the paypal logo in their auctions. All they can do is mention in the auction listing that they will accept paypal only funded by a direct paypal transfer.

Soo

This is good advice, but there is nothing in the auction set-up that 'warns' the seller that by ticking the 'I prefer Paypal' box that this means they accept credit cards. I maintain that this is deliberate tricking (by eBay) people into signing up for the Premier Paypal accounts, thereby raking in more money for Paypal/eBay (after all, they somehow must find the odd $2.6bn to make acquisitions, alongside paying fat executive salaries and shareholder dividends! :cool: )

soolin

Innovate, you make a good point but actually what you say reinforces my view that this seller should be reported and avoided now. If a seller does not read terms and conditions on paypal and ebay when signing up, what else haven't they read?

Overlooking the fairly easy to spot restrictions on a basic paypal account is not particularly easy. Sellers must understand what they are agreeing to when they choose to accept paypal and sell on ebay, even if they plead ignorance they should ensure that the buyer doesn't suffer because of it.

Soo