AintRichYet
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posted on December 10, 2003 08:07:26 AM new
LOL ... i just this minute got one too Cheryl! ... auction ended Nov. 30, customer paid Dec. 5th, paypal/ confirmed address $27.45 ... We shipped yesterday, the 9th.
Today paypal tells us "We regret to inform you that you received funds from an account with reports of fraudulent bank account use. The transaction listed below is
under review."
Oh brother! bah humbug!
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CBlev65252
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posted on December 10, 2003 08:26:24 AM new
Like I said, I may be having second thoughts on accepting Paypal. All the safeguards are there to protect the bidder but none to protect the seller. It's getting stupid. Like I can afford to pay all these fees only to be ripped off. Too late now.  is all I can do.
Cheryl
http://tinyurl.com/vm6u
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fluffythewondercat
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posted on December 10, 2003 10:17:22 AM new
Cheryl: You can back off to a Personal Account, which cannot do debit or credit card transactions. It's pretty safe. I speak from experience.
If one were to come into possession of one or more stolen credit cards, this time of year would be PERFECT for using them. In the rush, stores and sellers probably aren't verifying as closely as they ought.
--
Coming soon to an Internet near you: fluffythewondercat.com
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ihula
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posted on December 10, 2003 10:59:32 AM new
You're right - 'tis the season. I got one today too. Shipped to a confirmed address using UPS - shows it was delivered yesterday, so hopefully the buyer won't win.
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yisgood
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posted on December 10, 2003 12:48:14 PM new
This has nothing to do with credit cards. Paypal has this lovely policy. If Buyer A buys something from seller B and seller B doesn't ship, then seller B buys something from you and pays you with their paypal balance (not credit card), paypal will take the money away from YOU. They will call this "fraudulent funds." It doesnt help if you shipped to the confirmed address. There is no defense.
read http://www.ccs-digital.com/paypal.asp for more details about the so-called "protection" plan
http://www.ccs-digital.com
[email protected]
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ihula
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posted on December 10, 2003 12:58:33 PM new
So far I've had 2 others worded the same way and I provided the tracking number which showed I shipped and both times paypal gave me the money back. Hopefully this one will go just as smoothly.
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dadofstickboy
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posted on December 10, 2003 01:38:21 PM new
If you are a good seller I don't think you can go down to a personal.
Isn't it a fact you can only do $400.00 or less on a personal per month?
So someone selling good would be forced to upgrade anyway!
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fluffythewondercat
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posted on December 10, 2003 02:48:56 PM new
Isn't it a fact you can only do $400.00 or less on a personal per month?
No, it is not a fact.
I debunked this myth here a few months ago but apparently it persists.
There is no limit on the amount of funds you can receive with a PayPal Personal Account.
Hey, I like the sounds of that. Let's try it again:
There is no limit on the amount of funds you can receive with a PayPal Personal Account.
I've received over $3,000 in my Personal Account so far this month.
Life is good.
--
Coming soon to an Internet near you: fluffythewondercat.com
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CBlev65252
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posted on December 10, 2003 02:55:25 PM new
Thanks, Fluffy! I think I will do that.
Apparently this guy had his eBay and Paypal ID stolen. Somewhere down the line he had to have given his personal information to someone perhaps through one of the many scam emails. Prior to this mess, he only had 10 feedbacks. Do I feel sorry for him? Yes and no. He's fine. His money is all refunded to him. It's the sellers that are out merchandise and money. How are they to get theirs back? So, the next time you get an email asking for personal information please think about the sellers this will also affect (in more ways than you).
Edited to add: The last paragraph is for those who still ask if an email asking for personal information is legit or not.
Cheryl
http://tinyurl.com/vm6u
[ edited by CBlev65252 on Dec 10, 2003 02:56 PM ]
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Libra63
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posted on December 10, 2003 03:59:34 PM new
I think as long as you don't keep $400.00 in your personal account then you can collect as much as you want. It is when you get over $400.00 that PayPal will upgrade you. Now this might be wrong, but I did have a personal account when I started and as long as I withdrew my amount every week I stayed below the limit.
I am think seriously going back to a personal account. I only want to do $400.00 a month. I don't want to work so hard as I am worn out from the last months. I want to beable to enjoy retirement but still make some extra cash.
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fluffythewondercat
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posted on December 10, 2003 04:05:24 PM new
I think as long as you don't keep $400.00 in your personal account then you can collect as much as you want. It is when you get over $400.00 that PayPal will upgrade you. Now this might be wrong, but I did have a personal account when I started and as long as I withdrew my amount every week I stayed below the limit.
I'd guess you signed up for PayPal during the big rush some years ago....ah, the days of $5 referrals.
The rules have changed. You can keep as much money as you want (but why would you want to?) in your Personal Account. In fact, PayPal loves it when you keep your money there.
As I've said before, I think many sellers here would be quite happy with a Personal Account and may not know they can downgrade to it.
--
Coming soon to an Internet near you: fluffythewondercat.com
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Libra63
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posted on December 10, 2003 04:09:40 PM new
Thanks fluffy for the update. Yes that is when I signed up. Then I upgraded but now I am downgrading....I find that when men buy they use PayPal and when women buy they send checks or money orders. Maybe that isn't the norm for others but I have been keeping track of payments and that is what I found. I very seldom buy so if I keep a small amount in PayPal that is what I will use.
[ edited by Libra63 on Dec 10, 2003 04:10 PM ]
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stopwhining
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posted on December 10, 2003 05:06:31 PM new
why go backward??
retailers accept credit card payments.
some of us retailers use the paypal debit card as credit card and get a rebate.
-sig file -------The thrill is gone!!
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OPRMOND2000
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posted on December 10, 2003 07:00:44 PM new
Would USPS foward if I mark very clearly"DO NOT FOWARD". It works for govt. checks and credit cards sent out????????
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yisgood
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posted on December 10, 2003 07:07:17 PM new
>>Would USPS foward if I mark very clearly"DO NOT FOWARD". It works for govt. checks and credit cards sent out????????<<
I believe there is a fee of about $2 for a special sticker that says do not forward. Without the fee, it's really up to the mailman. I have had mailmen leave packages on a porch even though I paid extra for signature delivery and did not waive signature.
http://www.ccs-digital.com
[email protected]
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myoldtoy
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posted on December 10, 2003 07:28:05 PM new
question for "aintrichyet" doesnt the paypal seller insurance protect you from these situations...
i am not a large seller, but a predominant amount of payments come to me via p/pal...i can just imagine what it is like for volume dealers having to delete the credit card business...thanks
smhoward
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myoldtoy
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posted on December 10, 2003 07:28:05 PM new
question for "aintrichyet" doesnt the paypal seller insurance protect you from these situations...
i am not a large seller, but a predominant amount of payments come to me via p/pal...i can just imagine what it is like for volume dealers having to delete the credit card business...thanks
smhoward
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pointy
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posted on December 10, 2003 08:05:22 PM new
Fluffy......What's the difference, if any, when you downgrade from a premier business account to a personal account?
.
.1. Do you still have your Paypal debit card
.
.
.
2. Are you still able to accept all types of payments?...if not, what's the difference. Type of payment.....i.e. credit card or bank/paypal balance funded...also, any limit in per transaction amounts?
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aintrichyet
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posted on December 11, 2003 02:46:03 AM new
answer to "myoldtoy" ... heck if I know ... if this was a big hairy amount of money, I would invest the time to read the fine print at paypal, pursue/badger paypal till the situation was righted ... time is money, and we tend to spend our time listing selling shipping, which makes us more moolah than spending time backtracking and trying to figure it out ...
In 6 or 7 years selling on ebay, this is only the 2nd paypal problem we've encountered inre reversal due to fraudulent payment ... [the other one I knew we were up a creek on, because we shipped to a paypal-unconfirmed address] .... this reversal this week has me stumped for now, since it was confirmed account, confirmed address, even waited a few days after payment before we shipped, then paypal tells me 'fraudulent' ... I just dunno.
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ihula
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posted on December 11, 2003 05:02:30 AM new
Well, I received my response back already:
Thank you for your prompt response. Upon review, the transaction in
question does qualify for the PayPal Seller Protection Policy. Therefore,
the temporary hold has been cancelled and the funds are once again
available within your PayPal Account balance.
We appreciate your cooperation and patience regarding this matter. Thank
you for choosing PayPal as your online payment provider.
My first one that was fraudulant the buyer stated he cancelled that credit card and didn't realize that not everything had cleared yet, so he resent the money. I think paypal uses "fraudulant use" to blanket every problem.
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fluffythewondercat
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posted on December 11, 2003 05:58:21 AM new
1. Do you still have your Paypal debit card
Never had one, never wanted one.
2. Are you still able to accept all types of payments?...
No, of course not. That's the whole point. You can't get jacked around by credit card fraud when your account doesn't accept credit card payments.
OTOH, you don't get charged any PayPal fees.
Oooh, I like the sound of that, too.
You don't get charged any PayPal fees. None. Zero. Zip.
"Oh, what a beautiful morning...oh, what a beautiful day..."
--
Coming soon to an Internet near you: fluffythewondercat.com
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LifeIzGood
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posted on December 11, 2003 06:17:01 AM new
Right from PayPal:
What's the difference between a Personal account and a Premier or Business account?
Business and Premier accounts have access to our premium services, including the ability to accept credit card payments, 7 day-a-week access to our customer service call center, debit cards, high yield earnings through our money market fund, and a comprehensive suite of selling tools such as the PayPal Shopping Cart and Subscriptions and Recurring Payments.
There is also no fees with a Personal Account.
Your CANNOT have a PayPal Debit/ATM card with a Personal Account. (If I wanted a Debit Card, I needed to Upgrade.
There is only a sending limit with PayPal. It is $2000.00. Once you reach that amount you will not be able to send anymore money thru PayPal ever...unless you VERIFY your account and then there is no retriction as to limit.
This info was easy to find on the PayPal site.
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stopwhining
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posted on December 11, 2003 07:06:22 AM new
so those who pay paypal fees are subsidizing those who do not.
-sig file -------The thrill is gone!!
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fluffythewondercat
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posted on December 11, 2003 07:21:58 AM new
No, not at all.
Persons with Personal Accounts don't have access to any of the vast array of services offered to those of you who enjoy paying fees.
If Personal Accountholders used those services without paying for them, then yes, you would have a point.
As it is, I think your point has been blunted considerably over time with your repeated assertions that just don't stand up to examination.
--
Coming soon to an Internet near you: fluffythewondercat.com
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neroter12
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posted on December 11, 2003 07:42:58 AM new
The only thing I like about the upgraded account is the debit card. Instant access to funds. PP and or my bank say it takes 3 days for a transfer, but I've seen it take
5-8 days to post, especially if it crosses a weekend - which is totally ridiculous in this age of electronic transactions. If I need to ship I cant wait that long!
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stopwhining
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posted on December 11, 2003 07:44:26 AM new
fluffy,
you should be ashamed of yourself.
anytime you use a service free,you are not contributing to the company bottom line.WORSE,YOU ARE NOT SHARING THE FIXED OVERHEAD COSTS.
if there are 105 persons who use a service,100 paid and 5 do not,100 pay for the rent,equipment,utilities and payroll of that enterprise.
what does the remaining 5 do??
well the marketing genius will say it is all for the future,they are hoping one day you will convert to become a fee paying customer.
in the mean time,someone is paying for your use of that service.
-sig file -------The thrill is gone!!
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pointy
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posted on December 11, 2003 10:06:08 AM new
Thank you for the answer Fluffy. Here's another question. If there's a sending limit of $2000, then what do you do with the money that's accumulated in your Paypal account over $2000. Where do you send it?
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stopwhining
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posted on December 11, 2003 10:49:21 AM new
u may send it to me.
-sig file -------The thrill is gone!!
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auctionACE
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posted on December 11, 2003 01:38:07 PM new
Thanks for the PP insights Fluffy. Very helpful info that is usually not posted here. Those PP fees can really add up fast and on small sales can be a large percentage of the profit. The only drawback I can see is a few irate buyers that will be denied the use of PP because the try to charge card the transaction to possibly gain a chargeback advantage. If more sellers would do as Fluffy does then PP would be forced into changing their system for the better.
-------------- sig file ----------- *There is no conclusive evidence that life is serious*
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jackswebb
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posted on December 11, 2003 02:23:19 PM new
How does one go "backwards", I looked all over pay pal and I CANNOT find where to resignup or whatever to get the personal account. I currently have that rip off Premium account status. $$$$$$$ fees!! I originally had the personal account from 3 years ago then one day, a few months later, I got a notice from them I HAD to get the premium account. Others will appreciate your help in getting rid of the premium account status I am sure. Thanks.
Lead or be left in the Dust....
AND THE BEAT GOES ON,,,,, 
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