posted on February 10, 2003 11:03:33 PM new
I thought I heard that there was, so I went
and checked around myself (under the Profile
section). I could not find it. If you don't
take payment via CC they can't do a chargeback,
right? This just keeps getting worse and
worse. I pay fees to eBay (twice) and PayPal
(once, on 80% of my sales). Then I find out
PayPal requires an on-line tracking number,
so I change all my templates to add Delivery
Confirmation to my shipping charges, and now
PayPal has changed the User agreement again!
Even more crap loaded on to my back...
---
"Cannot say. Saying, I would know. Do not
know, so cannot say". -- Zathras (Babylon 5)
[ edited by zathras11 on Feb 10, 2003 11:09 PM ]
For 13 cents you can get 1st class eDC by using this label and cutting off the Priority Part. When you mail your packages and you have this label on your 1st class packages the PO scans it and it will charge you 13 cents and then it will show on your receipt. But the PO has to scan it.
It might take you more time to print these but it will save charges to your buyer.
posted on February 10, 2003 11:28:43 PM new
Does PayPal accept eDC as proof? I used it once and the tracking simply said "ELECTRONIC SHIPPING INFO RECEIVED, January 27, 2003
". All that says is that you filled out the form on the USPS website not that you took the parcel to the Post Office. Even regular DC only shows the addressee's zip code. It doesn't show the address, confirmed or unconfirmed.
posted on February 11, 2003 12:00:25 AM new
I did know about eDC, but I've never used
either kind of DC to send packages. I've
always offered Insurance with Return Receipt
as an option, but was told by a PayPal
supervisor a few days back that only DC
qualifies under the Seller Protection
portion of the user agreement.
Downgrading the account would place a limit
on how many $ I can accept through PayPal
per month, so that is not an option. Again,
I remember seeing others say you can limit
PayPal to bank account transfers or payment
from their account balance. How do you do that?
---
"Cannot say. Saying, I would know. Do not
know, so cannot say". -- Zathras (Babylon 5)
posted on February 11, 2003 12:30:31 AM new
Making Payments - Limits
What is the maximum amount I can receive with PayPal?
There is no limit to the amount of money you may receive with PayPal. However, if you have a Personal account, you may not receive any payments funded with a credit card.
posted on February 11, 2003 04:26:23 AM new
I downgraded my account about a year ago because of the high fees, and I am really glad I did it. The only problem is that in spite of stating it in my listing, and in my email to the buyer, some people STILL use a credit card to pay, so I have to just deny it, and explain it again. So far, only 1 has not paid again.
posted on February 11, 2003 09:56:40 PM new
I also take Personal Check, Cashier's Check,
Money Order, Cash, BidPay and I just signed
up for c2it at the end of December (got my
first payment that way about 10 days ago).
I could have sworn I read on here in a
previous discussion that you could change
a setting on the PayPal site to block
payment by CC. Oh well... I know I've
seen auctions that state "PayPal but no
payments by CC through PayPal" or something
to that effect.
So downgrade the account, or continue to
operate with PP's boot on my throat and
buyer's holding all the cards... TOUGH CHOICE!
80% or so of my payments are via PayPal.
---
"Cannot say. Saying, I would know. Do not
know, so cannot say". -- Zathras (Babylon 5)
posted on February 12, 2003 04:29:54 AM new
You can limit your receiving of CC under your profile, then payment receiving preferences.
There is one that says deny CC if the user has a Bank account attached to their Paypal account. This does limit all cc payments as people who do not have a confirmed bank account can still pay with a CC.
To limit all CC payments you would need to downgrade to a personal account.
posted on February 12, 2003 07:03:55 AM new
Just to clarify: though the risk of charge back is higher if you accept credit card payments, buyers can still make complaints to paypal even if they used their bank accounts. If any of the following happens, sellers will still lose:
-paypal forgets to tell you that a complaint was made and just takes back the money
-paypal ignores your response to the complaint and just takes back the money
-you don't have delivery confirmation
-you have DC but paypal decides it's not good enough
-you shipped to the address you were sent with the paypal payment but it was not the confirmed address
-the customer you shipped to received a payment from a different paypal account that had an allegation of fraud. Paypal will follow the money trail and take it from whoever has it, even if they were not a party to the fraud
-customer makes an "item not as described" complaint where even proof of delivery is not good enough
-you are not a verified seller with a business account and therefore you have no protection
More loopholes will added as Paypal changes their terms regularly.
Third party payment services have proven to be way too easy to defraud and/or difficult to use. Maybe it does only happen to 1% of the accounts but would you open a bank account and have your entire business depend on a bank that says "We arbitrarilly shut down 1% of our accounts"? Paypal, C2it etc are nice to have for those customers who don't want to give you their credit card and don't feel like sending checks or money orders but to depend on these to run your business is asking for trouble.
The best way to accept electronic payment is with your own merchant account. Of course there is no guarantee that you will never have a charge back, but all transactions take place between you and the customer and you and the card issuer. There is no third party confusing the issue, no transactions taking place behind your back and your account is never restricted unless you commit fraud. Until recently, merchant accounts were expensive because there were monthly minimums that had to be met. Now there are real merchant accounts (and I am not talking about Propay, which looks like a merchant account but really isn't) where you pay only for what you use. For more info visit
www.ccs-digital.com/merchantact.asp
