jensmome
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posted on June 15, 2003 08:27:23 AM new
If a buyer uses a CC to pay with PayPal? I ask because I've seen auctions that say they take PayPal but won't take CC through PayPal. I thought that if you accept PayPal you had to accept CC payments. Am I wrong?
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Roadsmith
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posted on June 15, 2003 08:28:55 AM new
Thanks for asking this question. I've wondered myself!
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fluffythewondercat
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posted on June 15, 2003 08:30:43 AM new
Wow. You guys really don't know this! I marvel.
There are (that I know of) three types of PP accounts: Personal, Premier and Business. You must have either a Premier or Business account to accept credit card payments.
Believe me, if you have a Personal account and someone tries to send you a credit (or DEBIT, don't forget) card payment, you will know about it.
--
California voters: Be a part of the first-ever successful gubernatorial recall! Defy media pundits! $21 million of our money is going down the tubes daily because of our incompetent corrupt governor. Visit http://www.recallgraydavis.com to download your recall petition.
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stopwhining
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posted on June 15, 2003 08:32:24 AM new
if you have a personal account,you will know .
if you have premier or business account,you do not and it does not matter as you have to pay fee for every payment made to your account
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jensmome
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posted on June 15, 2003 08:32:49 AM new
Fluffy,
If you are a regular seller don't you have to have a premier or business account? Or doesn't PayPal care? I can't believe they don't. Too much $$ involved.
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stopwhining
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posted on June 15, 2003 08:37:40 AM new
[ edited by stopwhining on Jun 15, 2003 08:52 AM ]
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capotasto
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posted on June 15, 2003 07:09:54 PM new
"Wow. You guys really don't know this! I marvel."
Wow, you are so smart. Now tell us how a business or premier account holder will know about it.
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tomwiii
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posted on June 15, 2003 07:22:51 PM new
capo 
Ralphie loves Mr Blonde:
"Are you gonna bark all day little doggie, or are you gonna bite?"
http://tinyurl.com/5duz
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neglus
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posted on June 15, 2003 07:25:00 PM new
I get "pending echecks" if a cc not used..unless they are using PP balance...that's the only way I know.
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AuctionAce
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posted on June 15, 2003 09:09:14 PM new
I always thought the pending echecks where from funds withdrawn from a buyer's checking account and the wait is for the electronic transfer to occur and clear.
You don't know if the other PP payments were made by CC or existing balance.
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jensmome
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posted on June 15, 2003 09:13:49 PM new
I thought you had to do eChecks specially. I make payments using my PP account and it draws the money from my checking account. The sellers always send right away. Echecks have to wait for clearance. There's an awful lot I don't know and I can't get the answers on the PP site.
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fluffythewondercat
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posted on June 15, 2003 09:23:43 PM new
Fluffy, If you are a regular seller don't you have to have a premier or business account?
No.
Go to http://www.paypal.com.
Click on "Help" in upper right hand corner.
Select "Getting Started", then "Personal Accounts".
You will see:
Q: Can I sell with a Personal Account?
A: Yes, you can sell with a Personal Account. If you sell on online auctions, you can insert PayPal logos in your listings to let your buyers know you accept PayPal. Since Personal account holders may not receive credit card payments, you may not use the PayPal logos which show credit card images in your listings. If you sell on eBay, you can also sign up for Winning Buyer Notification, which will automatically send payment requests to your winning buyer within one hour of your listing's close. You can also send manual money requests to collect payments. If you sell on a website or send email invoices, you can have access to our premium services, including PayPal's Shopping Cart, by upgrading to a Premier or Business account.
Or doesn't PayPal care? I can't believe they don't. Too much $$ involved.
Not only do they not care, they encourage you to sell with a Personal Account.
I'm really getting sick of people (not you) on this board misstating PayPal's policy in terms of their own biases. That doesn't help anyone, and may even be leading some sellers to incur fees that they don't have to.
--
California voters: Be a part of the first-ever successful gubernatorial recall! Defy media pundits! $21 million of our money is going down the tubes daily because of our incompetent corrupt governor. Visit http://www.recallgraydavis.com to download your recall petition.
[ edited by fluffythewondercat on Jun 15, 2003 09:38 PM ]
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fluffythewondercat
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posted on June 15, 2003 09:27:07 PM new
Wow, you are so smart. Now tell us how a business or premier account holder will know about it.
Despite your nastiness, I'll give a straight answer.
I'm surprised some people who offer PayPal do not know this basic stuff because at some point initially they had to choose what kind of account they wanted: Personal, Premier or Business. Surely then they investigated the options available. If they wanted to accept credit cards, they had to choose either Premier or Business over Personal.
Got it now?
--
California voters: Be a part of the first-ever successful gubernatorial recall! Defy media pundits! $21 million of our money is going down the tubes daily because of our incompetent corrupt governor. Visit http://www.recallgraydavis.com to download your recall petition.
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fluffythewondercat
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posted on June 15, 2003 09:36:35 PM new
There's an awful lot I don't know and I can't get the answers on the PP site.
Sure you can...it's just about all there in the Help Center, though as with many such pages, it's not necessarily organized logically.
For eChecks, just type "echeck" into the "enter a topic here" box and you'll get all the info you need.
--
California voters: Be a part of the first-ever successful gubernatorial recall! Defy media pundits! $21 million of our money is going down the tubes daily because of our incompetent corrupt governor. Visit http://www.recallgraydavis.com to download your recall petition.
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tomwiii
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posted on June 16, 2003 04:09:35 AM new
Fluffy IS correct & I am Incorrect!
The ONLY meaningful difference NOW between a PERSONAL PP account & the PorB PP accounts is the ability to receive CC payments & own a debit card 
http://tinyurl.com/eez0
Ralphie loves Mr Blonde:
"Are you gonna bark all day little doggie, or are you gonna bite?"
http://tinyurl.com/5duz
[ edited by tomwiii on Jun 16, 2003 04:10 AM ]
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CBlev65252
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posted on June 16, 2003 04:46:54 AM new
I can see fluffy's point. If you are signing up for something, you should at least take the time to read what you are signing up for especially if you are using it in your business. By checking out all the options, you can make a more informed decision as to what works best for you. eBay is a business for a lot of us. I would hardly sign up for anything without having gathered the facts. Had I not, I wouldn't have known about the advantages to having a business account with Paypal. I use my Debit card all the time (I like the cash back benefit).
Auctionace
Someone sending you an echeck is the same as them sending you a personal check. You just don't have to wait for the mail to arrive. They take a bit less time to clear, but they work on the same basic principle.
Cheryl
My religion is simple, my religion is kindness.
--Dalai Llama
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capotasto
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posted on June 16, 2003 05:06:13 AM new
"Does a seller EVER know if a buyer uses a CC to pay with Paypal?"
Fluff is correct, a Personal Account seller would know since he/she can't receive a CC payment.
Unfortunately the question, unless it is a trick question, is poorly worded.
If the seller has a Premier or Business account, he will NOT know whether payment was by CC or account balance.
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stopwhining
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posted on June 16, 2003 05:23:43 AM new
does the seller of a premier or business account really care if the payment is from a credit card or paypal balance??
either way,he has to pay paypal a fee.
the only time he would like to know is when he is selling a high ticket item and he is afraid of chargeback -
if buyer is not happy with the quality/content of the item,he could file chargeback with his cc issuer.
or the buyer could be using a fraudulent credit card.
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auctionace
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posted on June 16, 2003 08:24:33 AM new
I've received about 50 echecks from PP and have sent the items right away as if they were a regular PP payment without a problem. Of course, they were all under $30 so there was little risk involved.
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jensmome
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posted on June 16, 2003 09:39:52 AM new
Actually, it wasn't a trick question. I was looking at bidding on an auction where I'm sure the winning bid will be over $500. The thing that put me off is the seller sells high dollar stuff. S/he doesn't take CC with PayPal. They have only been selling for about six months. So there's not much of a track record. The FB is OK. About two months ago there was a neg for the item being not as good as described. The reply was "sorry. no refunds."
Now most posters here will advise to only pay with a CC on high dollar stuff. I had wrongly assumed that sellers had to have premier or Business account. (thank you Fluffy for disabusing me of that notion).
I was only looking to protect my potential investment. I'm going to pass on theis auction.
And I still say PAyPal's information FAQs are poorly organized and hard to navigate. We are not all as brilliant as Fluffy.
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AuctionAce
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posted on June 16, 2003 10:01:11 AM new
That's an interesting point. On a high value item like this $500 one, both the seller and the buyer would probably want to protect their item. The buyer would want to use a CC to get a possible chargeback and the seller would want to avoid the CC for the same chargeback reason. Other than the escrow services there is much of a choice for the buyer on expensive items with sellers that will not accept credit cards or credit card PP payments.
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fluffythewondercat
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posted on June 16, 2003 10:04:24 AM new
I've received about 50 echecks from PP and have sent the items right away as if they were a regular PP payment without a problem.
Oh, man. I did this once (accidentally) and wouldn't you know it, the eCheck didn't clear.
Bimbo refused to pay me for the item, too. Live and learn...
--
California voters: Be a part of the first-ever successful gubernatorial recall! Defy media pundits! $21 million of our money is going down the tubes daily because of our incompetent corrupt governor. Visit http://www.recallgraydavis.com to download your recall petition.
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fluffythewondercat
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posted on June 16, 2003 10:05:40 AM new
And I still say PAyPal's information FAQs are poorly organized and hard to navigate.
No disagreement there.
The only site that's worse is....eBay!
--
California voters: Be a part of the first-ever successful gubernatorial recall! Defy media pundits! $21 million of our money is going down the tubes daily because of our incompetent corrupt governor. Visit http://www.recallgraydavis.com to download your recall petition.
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fluffythewondercat
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posted on June 16, 2003 10:07:35 AM new
Other than the escrow services there is much of a choice for the buyer on expensive items with sellers that will not accept credit cards or credit card PP payments.
...short of showing up in person to pay.
Not always practical, alas.
--
California voters: Be a part of the first-ever successful gubernatorial recall! Defy media pundits! $21 million of our money is going down the tubes daily because of our incompetent corrupt governor. Visit http://www.recallgraydavis.com to download your recall petition.
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sanmar
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posted on June 16, 2003 10:26:12 AM new
There are some limitations on each category of PP. I have a Pemier acct & my limits are purchase #3000.00 any one day & a max withdrawl of $400.00 per day. I believe the Personal account is lower than the Business & Premier Accounts. You are correct in saying that Premier Accounts don't know where the payment comes from with the exception of E-checks. I have had very few of them & have never had a problem. When you hear people griping about PP, one reason is the withdrawl limit. My own bank has a #300.00 daily limit, so what is there to complain about?
[ edited by sanmar on Jun 16, 2003 10:29 AM ]
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msincognito
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posted on June 16, 2003 10:40:32 AM new
I have two Paypal accounts. One is associated with my "buying account," which I will occasionally use to sell items that are not related to the categories of items I sell through my selling account. Sometimes those items can be a little pricey (I recently sold some collectors' editions of books)
My "buying" Paypal account is a personal account. My "selling" account is a Premiere account. If I ever have someone who wants to make a CC payment on the personal account, I just direct them to the premiere account. Both accounts have high feedback and a high Paypal rating. So far, I have only had one problem - a bidder who was just generally suspicious. In that case, I did something really rare and shipped before I received payment, with his promise that he'd transfer the payment to my Premiere account after the item arrived. I did this because he was just coming off a really bad deal where he got severely burned by a high-feedback seller, and it worked out OK (He actually paid the day after I shipped, which had to've been before the item actually reached him - and left me good feedback, too. )
-------------------
We do not see things as they are. We see them as we are.
------------The Talmud
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stonecold613
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posted on June 16, 2003 10:46:08 AM new
I thought that if you accept PayPal you had to accept CC payments. Am I wrong?
You also don't have to accept credit cards if you have a premier or business account. I have mine set that way. I accept credit cards directly to me and only balance funded or bank account funded payments through PayPal. It is much cheaper to accept credit card payments and run them through our own credit card machine and bank. In this case, I do know if my PayPal payments are being paid via credit card or not. I know mine are not. You ask, why do I have a business account then? Because if you get more than one hundred dollars a month (I think that is still the number) you must up grade. I receive way more than that so I don't even pay attention to the number any more.
I also believe you can download your history into an excel spreadsheet and it will tell you there as well if the funds came from a credit card or a balance/bank account.
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fluffythewondercat
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posted on June 16, 2003 10:56:49 AM new
Because if you get more than one hundred dollars a month (I think that is still the number) you must up grade.
Sorry, stonecold, your information is out of date. There was a dollar limit at one time for Personal Accounts, but not any more.
So you might as well have a Personal Account. It would save you some cash.
You can downgrade from a Premier or Business Account to a Personal Account once, only. I guess that rule is to keep people from upgrading only long enough to accept a CC payment, downgrading to receive cash, upgrading again, etc.
--
California voters: Be a part of the first-ever successful gubernatorial recall! Defy media pundits! $21 million of our money is going down the tubes daily because of our incompetent corrupt governor. Visit http://www.recallgraydavis.com to download your recall petition.
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