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  • FIRST POST
    • stp101
    • By stp101 14th Jun 19, 9:00 AM
    • 13Posts
    • 2Thanks
    stp101
    Paypal vs Credit Card for Overseas Items below £100
    • #1
    • 14th Jun 19, 9:00 AM
    Paypal vs Credit Card for Overseas Items below £100 14th Jun 19 at 9:00 AM
    I'm looking at purchasing some furniture from a website in Europe. I was thinking that I should use my credit card in case anything goes wrong, however I noticed that the site also accepts PayPal.

    The items I'm purchasing are each below £100, so they wouldn't be covered under Section 75. Does it make more sense to pay with PayPal to make use of their buyer protection?
    Last edited by stp101; 14-06-2019 at 10:51 AM.
Page 1
    • 18cc
    • By 18cc 14th Jun 19, 11:12 AM
    • 1,845 Posts
    • 1,364 Thanks
    18cc
    • #2
    • 14th Jun 19, 11:12 AM
    • #2
    • 14th Jun 19, 11:12 AM
    I think you will get a worse exchange rate from PayPal then you would from a credit card such as tandem or clarity or a bank card such a starling

    so in effect you would be paying for your PayPal buyer protection

    it's it's up to you if you want buyer protection and the ccompanying worse exchange rates of PayPal or if you want to take the risk and get much better exchange rate from the cards I mentioned
    • stp101
    • By stp101 14th Jun 19, 11:31 AM
    • 13 Posts
    • 2 Thanks
    stp101
    • #3
    • 14th Jun 19, 11:31 AM
    • #3
    • 14th Jun 19, 11:31 AM
    I think you will get a worse exchange rate from PayPal then you would from a credit card such as tandem or clarity or a bank card such a starling

    so in effect you would be paying for your PayPal buyer protection

    it's it's up to you if you want buyer protection and the ccompanying worse exchange rates of PayPal or if you want to take the risk and get much better exchange rate from the cards I mentioned
    Originally posted by 18cc
    Thank you, that's a very good point. Do you know if you can ask PayPal not to perform the currency exchange such that you could still get better rates if you used a Clarity card in-conjunction with PayPal?
    • JohnMl88
    • By JohnMl88 14th Jun 19, 11:58 AM
    • 66 Posts
    • 21 Thanks
    JohnMl88
    • #4
    • 14th Jun 19, 11:58 AM
    • #4
    • 14th Jun 19, 11:58 AM
    Thank you, that's a very good point. Do you know if you can ask PayPal not to perform the currency exchange such that you could still get better rates if you used a Clarity card in-conjunction with PayPal?
    Originally posted by stp101
    Yes, you can choose
    • PRAISETHESUN
    • By PRAISETHESUN 14th Jun 19, 2:57 PM
    • 1,305 Posts
    • 711 Thanks
    PRAISETHESUN
    • #5
    • 14th Jun 19, 2:57 PM
    • #5
    • 14th Jun 19, 2:57 PM
    https://roman-reviews.com/how-disable-paypal-currency-conversion-save-money-fees/

    PayPal doesn't make it easy to find, since they make money off of the poor exchange rates, but it can be done - follow the link above.
    • Terry Towelling
    • By Terry Towelling 14th Jun 19, 3:43 PM
    • 1,992 Posts
    • 1,683 Thanks
    Terry Towelling
    • #6
    • 14th Jun 19, 3:43 PM
    • #6
    • 14th Jun 19, 3:43 PM
    Don't forget you get Chargeback protection for a credit (or debit) card transaction regardless of the amount. Perhaps you need to anticipate the most likely sort of problem that might crop up and then make your decision based on that.

    I don't know enough about PayPal's buyer protection policy but I'd imagine the situations it covers will include a number of consumer-protection scenarios that are also covered by the Chargeback process. I'd also guess that the Chargeback process also covers many more potential problem areas than PayPal's policy and, as others have said, you are unlikely to get as good an exchange rate with PayPal.

    Personally (and regardless of my lack of PayPal knowledge) I'd use a card every time.
    • eco_warrior
    • By eco_warrior 14th Jun 19, 8:44 PM
    • 515 Posts
    • 236 Thanks
    eco_warrior
    • #7
    • 14th Jun 19, 8:44 PM
    • #7
    • 14th Jun 19, 8:44 PM
    I'm looking at purchasing some furniture from a website in Europe. I was thinking that I should use my credit card in case anything goes wrong, however I noticed that the site also accepts PayPal.

    The items I'm purchasing are each below £100, so they wouldn't be covered under Section 75. Does it make more sense to pay with PayPal to make use of their buyer protection?
    Originally posted by stp101
    If it was me I would pay the retailer directly and Iíd prefer to use a MasterCard as if the goods are faulty/damaged you donít need to return them to get a chargeback. On Visa you do.

    Donít know enough about PayPalís dispute process other than itís not as encompassing as either of the main card schemes.
    • stp101
    • By stp101 17th Jun 19, 4:29 PM
    • 13 Posts
    • 2 Thanks
    stp101
    • #8
    • 17th Jun 19, 4:29 PM
    • #8
    • 17th Jun 19, 4:29 PM
    Thank you all. Some great info in this thread. MasterCard for the win.
    • phillw
    • By phillw 17th Jun 19, 8:01 PM
    • 2,993 Posts
    • 2,460 Thanks
    phillw
    • #9
    • 17th Jun 19, 8:01 PM
    • #9
    • 17th Jun 19, 8:01 PM
    I tend to choose paypal over credit cards if I'm worried that the item might not be as described or may not turn up at all. Although I've had good and bad experiences putting in claims with both.
    • Terry Towelling
    • By Terry Towelling 17th Jun 19, 8:58 PM
    • 1,992 Posts
    • 1,683 Thanks
    Terry Towelling
    I tend to choose paypal over credit cards if I'm worried that the item might not be as described or may not turn up at all. Although I've had good and bad experiences putting in claims with both.
    Originally posted by phillw
    Are there any time limits on PayPal buyer protection claims?
    • phillw
    • By phillw 18th Jun 19, 2:05 AM
    • 2,993 Posts
    • 2,460 Thanks
    phillw
    Are there any time limits on PayPal buyer protection claims?
    Originally posted by Terry Towelling
    Yes, you need to open a dispute within 180 days.
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