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  • FIRST POST
    • Nicholas
    • By Nicholas 20th Sep 19, 11:14 AM
    • 606Posts
    • 144Thanks
    Nicholas
    Credit card v paypal
    • #1
    • 20th Sep 19, 11:14 AM
    Credit card v paypal 20th Sep 19 at 11:14 AM
    I'm considering making a 600ish online purchase from a company trading in the UK, and the checkout has two options:
    Sign-into Paypal account or continue as guest.

    Is there any difference in the protection using a credit card through a paypal account versus inputting credit card details as a guest? As a guest, am I relying on protection from the credit card company?
Page 1
    • Ebe Scrooge
    • By Ebe Scrooge 20th Sep 19, 11:41 AM
    • 4,399 Posts
    • 3,943 Thanks
    Ebe Scrooge
    • #2
    • 20th Sep 19, 11:41 AM
    • #2
    • 20th Sep 19, 11:41 AM
    If you use Paypal, you won't be entitled to the same S75 protection you would have if paying directly by credit card. It doesn't matter if you buy as a guest or whether you sign up for an account - personally I'd always opt for paying by credit card.
    I may not know much about art, but I know what I like.
    • Nicholas
    • By Nicholas 20th Sep 19, 4:10 PM
    • 606 Posts
    • 144 Thanks
    Nicholas
    • #3
    • 20th Sep 19, 4:10 PM
    • #3
    • 20th Sep 19, 4:10 PM
    If you use Paypal, you won't be entitled to the same S75 protection you would have if paying directly by credit card. It doesn't matter if you buy as a guest or whether you sign up for an account - personally I'd always opt for paying by credit card.
    Originally posted by Ebe Scrooge
    So if I pay as a paypal guest using a credit card I get full S75 protection?

    Edit: I've re-read what you wrote and I think you are saying avoid paypal altogether? Bit difficult with this company because that is the only payment method offered. I suppose I will have to decide if I want to do business with them at all.
    Last edited by Nicholas; 20-09-2019 at 4:43 PM.
    • Willing2Learn
    • By Willing2Learn 20th Sep 19, 6:32 PM
    • 4,421 Posts
    • 3,967 Thanks
    Willing2Learn
    • #4
    • 20th Sep 19, 6:32 PM
    • #4
    • 20th Sep 19, 6:32 PM
    Personally, if I am purchasing anything of significant value (100 or over) then I will always use a credit card and actively avoid PayPal...So if a company only has a PayPal option to pay for something valued over 100, then I will look elsewhere, even if it means paying a bit more...
    I work within the voluntary sector, supporting vulnerable people to rebuild their lives.

    I love my job

    • born again
    • By born again 20th Sep 19, 7:03 PM
    • 382 Posts
    • 180 Thanks
    born again
    • #5
    • 20th Sep 19, 7:03 PM
    • #5
    • 20th Sep 19, 7:03 PM
    Do not go as guest. It means you miss out on paypal protection...
    • Ben8282
    • By Ben8282 20th Sep 19, 7:16 PM
    • 3,572 Posts
    • 1,979 Thanks
    Ben8282
    • #6
    • 20th Sep 19, 7:16 PM
    • #6
    • 20th Sep 19, 7:16 PM
    You won't get s75 protection either way as continuing as a guest will just mean that you are using the credit card to fund paypal and transferring the funds using paypal without having a paypal account/without using your paypal account.

    Is this a genuine UK company? This scenario where the website offers a choice of payment by paypal or payment by credit card which then takes you to a page which allows you to use paypal as a guest when you click on the pay by credit card link is familiar to me and is used by Chinese individuals masquerading as a UK company. Beware. A .co.uk domain name means NOTHING.
    Last edited by Ben8282; 20-09-2019 at 7:22 PM.
    • Nicholas
    • By Nicholas 20th Sep 19, 8:14 PM
    • 606 Posts
    • 144 Thanks
    Nicholas
    • #7
    • 20th Sep 19, 8:14 PM
    • #7
    • 20th Sep 19, 8:14 PM
    Is this a genuine UK company? This scenario where the website offers a choice of payment by paypal or payment by credit card which then takes you to a page which allows you to use paypal as a guest when you click on the pay by credit card link is familiar to me and is used by Chinese individuals masquerading as a UK company. Beware. A .co.uk domain name means NOTHING.
    Originally posted by Ben8282
    They seem to be UK based

    ABOUT
    futeko.com was established in 2010 to sell the best of.. FUTure Entertainment teKhnOlogy.

    Our core business has always been leading edge media playback devices, from the early Sigma/Realtek dedicated media players to the current Android based multi-purpose media boxes.

    Our base and stock is in Manchester, UK.

    We are wholly owned by the UK Limited Company SDHDIGITAL LTD. Registered in England #GB7129250. We are GB VAT registered.

    Registered Office:

    SDHDIGITAL LTD,
    Unit 200,
    275 Deansgate,
    Manchester,
    M3 4EL,
    United Kingdom.
    They're mentioned alot on AVForums website, and their prices undercut Amazon by a fair bit. It's because they are cheaper and only use Paypal is why I am a bit wary.
    • Ben8282
    • By Ben8282 20th Sep 19, 8:34 PM
    • 3,572 Posts
    • 1,979 Thanks
    Ben8282
    • #8
    • 20th Sep 19, 8:34 PM
    • #8
    • 20th Sep 19, 8:34 PM
    I do not wish to attempt to make a determination as to if this is a genuine UK company or not.
    However, I find it strange that their entire range of stock consists of 16 items.
    I also very much do not like the way that the various credit card symbols are displayed but when you cli9ck on them you are taken to the paypal payment page.This is the same as the fake Chinese websites and, again like the fake Chinese websites, gives no idea at this stage of the name of the company or person that the payment is being made to..
    I think in your case, assuming the saving is significant, I would first order one of the very low value items such as the UK/Europe adaptor plug at 8.99. You may not want it but one day it might come in hamdy so it wouldn't be a complete waste of money. When you get the paypal receipt e-mail after making the payment by credit card, you will be able to see where the money has gone. If it has gone to an individual with a Chinese sounding name or to the UK company named. You will also see how long it takes to receive the plug and if it has been dispatched in the UK or China.

    I would like to add that there is nothing wrong, as such, with buying goods from Chinese individuals based in china providing that you do so knowingly and not as a result of such individuals pretending to be a UK company. In the case of my own experience the item in question, of relatively low value, was eventually received after a delay of a few weeks, and was posted in China. The item worked and was as described.

    But irrespective of if this is a genuine UK company or not there will be NO s75 protection on this type of payment.
    Last edited by Ben8282; 21-09-2019 at 1:10 AM.
    • eco_warrior
    • By eco_warrior 20th Sep 19, 8:37 PM
    • 515 Posts
    • 236 Thanks
    eco_warrior
    • #9
    • 20th Sep 19, 8:37 PM
    • #9
    • 20th Sep 19, 8:37 PM
    What are you buying?
    • Nicholas
    • By Nicholas 21st Sep 19, 9:06 AM
    • 606 Posts
    • 144 Thanks
    Nicholas
    Ironically, since I started this thread, Amazon have dropped some of their prices.
    • born again
    • By born again 21st Sep 19, 2:37 PM
    • 382 Posts
    • 180 Thanks
    born again
    19 Jan 2010 Incorporation
    Model articles adopted (Amended Provisions)
    Well they have been registered on companies house since the above date. Seem to be be run by a individual.
    Which could explain the limited numbers of products sold. As well as why they use paypal and not a merchant bank which would charge a lot more.
    • Nicholas
    • By Nicholas 21st Sep 19, 4:14 PM
    • 606 Posts
    • 144 Thanks
    Nicholas
    Well they have been registered on companies house since the above date. Seem to be be run by a individual.
    Which could explain the limited numbers of products sold. As well as why they use paypal and not a merchant bank which would charge a lot more.
    Originally posted by born again
    Yes, on their forums it does state that it is a very small company (translate: individual), so not able to keep a lot of stock, especially of the higher end items. Managed to get themselves a respectable business address.

    Still, one of the items I was considering is (for now) cheaper by a couple of quid on Amazon and being sold by Amazon themselves, so will be able to do a credit card transaction and feel a lot safer.
    Last edited by Nicholas; 21-09-2019 at 4:16 PM.
    • Ben8282
    • By Ben8282 21st Sep 19, 7:44 PM
    • 3,572 Posts
    • 1,979 Thanks
    Ben8282
    The respectable business address is almost certainly a mailing address only.
    Why does an individual need to form a limited company to sell such a small number of items online.
    Most individuals who sell items online like this don't actually keep stock. They buy it when ordered.
    Most small companies like this don't have forums.
    I remain very suspicious of them and don't like the paypal only payment option especially the way the name of the person/company that the payment is being made to is not disclosed and will not be revealed until you receive the paypal receipt by e-mail after you have paid.
    Last edited by Ben8282; 21-09-2019 at 7:47 PM.
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