posted on December 13, 2003 03:10:21 PM new
This question is for the infamous "Fluffythecat" or anyone else who cares to answer.
# 1:
I took everyones advice and Downgraded to a Personal account at PayPal. I have gotten an e-mail from PayPal that this payment was paid with a credit card which, if I choose to accept will automatically up-grade me to a Premier Account. I denied payment and e-mailed the buyer and explained the hassle with credit cards at PayPal and gave her alternate methods of funding. That turned out okay.
#2:
Now I have 2 payments that are waiting for me to either Accept or Deny. When I read the details, it says "Instant Transfer" and there are Fees listed for these payments. Nothing is mentioned about a Credit Card payment. Why are fees being charged to me when this is supposed to be a Personal Account with no Fees attached?
Is it possible that this is because the buyers address is Confirmed but the buyers are not Verified???? I am trying to make some money, not loose it all to PayPal, please help.
posted on December 13, 2003 03:21:59 PM new
what do they call those fees and can you figure the percentage of the total amount??say 2.9 % or 2.2% and 30 cents??
also check your ebay listing,what do you have to offer as form of payment
-sig file -------The thrill is gone!!
posted on December 13, 2003 03:23:18 PM new
Here's what I do:
3 years ago,I decided that I would use the PayPal service in order to offer the convenience of CC payments (etc) to my buyers.
I decided that PayPal was a BUSINESS that provides a BUSINESS service to me that makes my eBay life MUCH EASIER & HAPPIER for both me & my buyers.
I decided to become a PREMIER user & pay their rather modest fees for the SERVICES THAT THEY RENDER to me & my buyers. Those fees are very modest, as I am PREFERRED & use the debit card as often as possible.
In three years, I've never had any problems with PayPal. I've called their 800 number around 6or7 times & I've always been treated with the utmost respect & helpfulness.
The one time some pretzel-chokes tried to pull a c-back on me, I provided the required info to PP & they decided in my favor within 24hrs.
All these gymnastics to avoid paying legitimate & very modest fees for a business service just seem to me to be not worth all the hassle & ill-will that may be generated with potential bidders.
My personal opinion is that most bidders who use PayPal are using a credit card to pay & WANT THAT CONVENIENCE to do so
posted on December 13, 2003 03:35:11 PM new
Tom:
Makes a very valid point.
And I can Echo every single thing he's said here!
Paypal is a great service for the money.
And they have always been helpful!
Users who don't play by the rules, and try to get away with something are the ones who have trouble.
You know the ones they come here to tell us how paypal pulled a fast one on them!
posted on December 13, 2003 03:55:42 PM new
It appears that you would rather wait 7 to 10 days for the PO to deliver a check or MO for payment, rather then pay the Modest fee's that PayPal charges for Instant payment.
posted on December 13, 2003 04:18:39 PM new"Instant Transfer" and there are Fees listed for these payments
Some of the payment was paid for with a credit card or a bank debit card, so you will have to accept or deny the payment.
There are pro's and con's to paypal fees.Each seller has to make the personal choice of which account type they would like to use.
For items under $10.00, the fee's can be rather high, and eat in to the profits.For items higher then $25.00.. the fee's are not bad.
Again it is a personal choice.
posted on December 13, 2003 04:23:17 PM new
I used to grouse about the PP fee..it can amount to a hefty % in low ticket sales like postcards. Finally I decided it was just a cost I had to bear..I upped my minimum listing price by $.50 across the board and didn't notice any difference in my sell-through rate. Additionally, if my time is worth anything at all, the speed in processing a payment where the address and details are all "copy and pastable" and the item readily identifiable, not to mention the time saved in endorsing, totalling and depositing checks/mo's make PayPal a real bargain!
posted on December 13, 2003 04:57:12 PM new
she is asking a question on instant transfer,she is not soliciting our opinion on why she wants to join fluffy as a free rider.
your bidder pays you instantly with credit card or bank debit card and there is fee involved,so as a personal account holder,you have a choice to accept or deny.
i agree with all of you,paypal has bills to pay too,cant give away services free.
most paypal users pay with credit cards,if they cant use credit cards,they may not bid on your items .to refuse their cc payment may just give them a chance to feed you BS such as your check is in the mail.
-sig file -------The thrill is gone!!
posted on December 13, 2003 05:00:05 PM new
I thought the big tadoo about downgrading was so customers couldn't use a CC.
Thus never worring about a chargeback!
posted on December 13, 2003 05:04:42 PM new
Gosh, I don't know if I should respond. You've all been so friggin' helpful so far.
mauibabbe and anyone else thinking of downgrading to a Personal Account:
Personal Accounts cannot accept payments funded with debit or credit cards, but you can't prevent people from trying to make them anyway. Various people handle this various ways. I explain it in our invoices, I explain it again when someone attempts a cc payment, I explain and explain and explain. Usually the buyer gets it and sends a check/mo or a cash PayPal payment.
In your case, mauibabbe, the fees are charged to your account only if you accept the payments. So be sure to hit that "Deny" button.
Please, folks, be sure you understand the features of the various accounts.
posted on December 13, 2003 05:09:10 PM newUsers who don't play by the rules, and try to get away with something are the ones who have trouble.
Please let me know when you upgrade to a triple-digit IQ.
One last time: A Personal Account for an eBay seller is perfectly legitimate, even encouraged, has no limits in terms of amount of funds one can accept and carries no onus or any kind of stigma.
Is that sufficient or should I break it down into smaller words for you?
posted on December 13, 2003 05:29:34 PM new
yes,when paypal changes its policy and rid super deluxe free riders like you,you can come cry on our shoulders and we will watch you break down inch by inch.
-sig file -------The thrill is gone!!
posted on December 13, 2003 05:39:35 PM new
If Paypal lost money on personal accounts I'm sure they'd stop them in a heartbeat. The Paypal costs on low value transactions can be very high and the Personal PayPal Account looks like a very smart move for those sellers. Some buyers will be inconvenienced sometimes but that is the trade-off. There is a large amount of ebay auction descriptions that say stuff about 'Paypal payments only if not made by a credit card' type of disclaimer so most buyers must be used to it by now anyway.
-------------- sig file ----------- *There is no conclusive evidence that life is serious*
posted on December 13, 2003 05:44:42 PM new
haven't you heard what jeff bozo has to say about losing money is glorious?/
he called it advertising and marketing expense.
yes,paypal wants the personal account holder to test drive for a period of time and then upgrade.
of course your great aunt in montana who sends you a happy birthday $$ may never feel the need to upgrage,but ebay sellers??
time will tell.
posted on December 13, 2003 08:10:43 PM new
Okay you guys, you are thinking I am cheap, I am in this to make money, just like all of you. Let me clarify my original questions a little. In the past 2 days since my Downgrade to a Personal account, there have been times that I haven't had to Accept or Deny the payment, I just print out a receipt and go on my merry way. NO charges of any kind were attached to these purchases by PayPal. Now, I have 2 that I am waiting to Accept or Deny and these have charges attached to them. These buyers did not pay by Credit Card as far as I can see. Also, yesterday someone wanted to use a Credit Card and I was e-mailed by PayPal as a warning that if I accepted this payment, I would be up-graded to a Premium account. I have also checked out the rate that PayPal charges, it is 4.9%. Do the math and see for yourself. How come some of my PayPal receipts have charges and others don't....
I was under the impression that on Personal accounts you don't get all the charges.
posted on December 13, 2003 09:03:17 PM new
like we are trying to tell you,your bidders are using their cc or bank debit card ,thats why there is a fee involved if you accept them/
you have to understand,paypal merchant account provider is charging paypal a fee to process these charges and paypal is passing on to you .
it should be 30 cents transaction fee and 2.9 % discount fee.
posted on December 13, 2003 09:21:58 PM new
maui:
You don't have any charges with a paypal personal account.
If you see "accept or deny" beside any payment ALWAYS click "deny" The buyer has paid you with a credit or a debit card. If you accept then you are agreeing to upgrade to a business account & then will pay for every transaction.
After clicking deny you now have to email the buyer & tell them you cannot accept credit card or debit card payments, only balance transfers or an echeck transfer from their checking account.
Having a personal account or a business account is your choice & that choice is allowed & offered by paypal. There is nothing wrong with using whichever best fits your needs & you don't have to answer to anyone who disagrees with you. It's a good thing so take advantage of it as long as you can.
I'm not sure if this is true or not, but I think you can only downgrade from a business account to a personal account once. So don't ever click on accept.
posted on December 13, 2003 09:24:23 PM new
Stop Winning, please accept my thanks for your clarification. I think I am going to add this to my default text somewhere in my listings, It makes it easier for the buyers. I just Denied both payments and accepted 2 others. By the way, there were no charges taken out of the payments that I accepted. That is what I prefer, the NO CHARGE THINGY.
posted on December 13, 2003 09:42:21 PM new
Hi Mauibabe
I have the same trouble you have.
People try to pay via debit or credit card and I have to deny the payment and then explain why.
One lady took three attempts and is sending me a check.
If paypal ONLY charged a fee for cc's and not regular account transfers, then I wouldn't mind it.
I tried to do the fees, but I was not going to recoup them.
So if I am not taking a credit card for every transaction, I can't justify giving them a fee.
Maybe if I were selling something that I knew I could get the costs, but so far, I haven't found a wide enough margin!
J
~~~~~~~~~~~**~~~~~~~~~~~
All the monkeys aren't in the zoo,
Every day you meet quite a few,
So you see it's all up to you.
You can be better than you are,
You could be swingin' on a star
posted on December 13, 2003 09:51:16 PM new
Here's a thought. How about having two accounts. One personal and one business/premier.
Use the personal account as your default payment accepting account. Then if a credit card payment comes through, cancel it and switch over to your business account. Then send an invoice to the credit card purchaser with your business account. That way, you can accept cash transfers/balances without getting charged to stupid fees and accept credit cards with the fees.
[ edited by stonecold613 on Dec 13, 2003 09:53 PM ]
posted on December 13, 2003 10:56:24 PM new
I'm of the opinion that the 2.9% + transaction fee is not an unreasonable fee for accepting payment. If you disagree, that is your prerogative. I'd rather do this than deny payments and try to deal with people who barely know how to turn on their computer and explain why I can't accept their payment. Keeping fees down is fine, even admirable. However, I am also concerned about workload, and most buyers don't know the difference between paypal funded accounts and credit card funded accounts. I know some who only will pay with a credit card, because they are buyers only and do not fund their accounts. The 2.9% easily gets down to 1.4% after the cashback on paypal credit card transactions, and that is about HALF of what I pay for my merchant account.
posted on December 14, 2003 06:58:41 AM new
2.2 % if you give paypal 1k business per month,even if you dont give 1k business to paypal,you can still apply ,rate will be good for 3 months.then when paypal said no more nice guy,then apply again,they let you do that.
why cant you bury the paypal fee in your shipping and handling charge.
-sig file -------The thrill is gone!!
posted on December 14, 2003 10:03:39 AM new
I did a little more investigation at PayPal and found that the Little LOGOS they insert to draw the people into paying, well one of them has all the Major Credit Cards Listed. So, since I don't want people to think I take them, I removed the 2 Logos at PayPal. I don't know when they up-load this info, but at least in the future people won't be drawn into the assumption that I take Credit or Debit Cards.
I am a little seller compared to the Power Sellers so the additional accounts are really unnessary. After paying the E-bay and Vendio charges each month especially during the holiday season, I have determined this is all I really want to pay out. I have upped the shipping charges but don't want to inflate them sky high, people won't buy.
posted on December 14, 2003 01:09:46 PM new
Oh yeah, purge your auctions of automatic payment logos and don't put it in the payment section of Ebay's listing pages.
My auction clearly lists the correct instructions.
Still people are monkeys sometimes!
J
~~~~~~~~~~~**~~~~~~~~~~~
All the monkeys aren't in the zoo,
Every day you meet quite a few,
So you see it's all up to you.
You can be better than you are,
You could be swingin' on a star
posted on December 15, 2003 10:46:22 AM new
I downgraded and am happy I did. I am taking the advice of making note IN my terms,,No Credit cards. and I'll seek out the buttons that have the cc thingies and GET RID OF THEM too.....
On the other thread,,,,I wish lifeizgood would have mentioned that Alllllllonnnnggggg time ago.....
