posted on March 12, 2002 06:48:49 AM new
Damon, if your around can you tell me the answer to this. Someone won an auction from me, paid by PayPal, is verified, but there is no address. Buyer sends me email stating that he will ask his friend if I can mail the package to the friend. Now the item that he bought has a minimal price on it and I don't mind sending it but I thought PayPal had a policy about addresses. I would like to know that for furthur reference just in case it happens with a big ticket item. Thanking you in advance.
posted on March 12, 2002 07:51:56 AM new
I'd be careful of anything that PayPal tells you. They won't be there if you have a problem and if you try correcting it yourself, they may very well put your account on restriction or freeze your account. My advice.... if you don't feel good about it, don't do it.
posted on March 12, 2002 08:31:06 AM new
There seems to be some confusion between 'verified' and 'confirmed address' I'll try and give my understanding of it.
VERIFIED means only that the member has a bank account verified with their PayPal account.
CONFIRMED SHIPPING ADDRESS means that the buyer has a credit card on file and has decided to give that address as the shipping address.
The buyer doesn't have to give a 'Confirmed Shipping Address,' when sending the payment the buyer can choose to include or not include the 'confirmed shipping address'.
The seller doesn't have to accept payments from an 'Un-Confirmed Shipping Address.' A seller (with a Premier/ Business account) can log on to their account, click on 'profile', click on 'Types of Payments Accepted' and set their preferences regarding 'confirmed shipping addresses':
Would you like to accept payments from users who do not have a Confirmed Address? _Yes? _No? _I will decide on a case by case basis?
My suggestion is you decide on a case by case basis unless you're selling expensive electronics, jewelry, etc.. In that case I'd set my preferences not to allow 'unconfirmed shipping' payments.
It's kind of silly to demand a confirmed shipping address on low dollar items. An on-line florist would be out of business in a week with such a policy.
It's REAL silly not to demand a confirmed shipping address on a high dollar item that is sought after by thieves.
verified? is good.
confirmed shipping address? is gooder.
verified and confirmed shipping address? is goodest.
PayPal offers a lot of tools, the key is knowing how, when, and why to use them.
I posted this on the eBay Outlook forum to your question there. I thought I'd post it here also. This forum is generally reserved for heckling and selling panic, my post might be out of line, and I apologize for that.
posted on March 12, 2002 11:58:51 AM new
If you're selling high cost items, as a buyer I would suggest not using PayPal. From what I've seen and experienced... PayPal shouldn't be trusted for handling large priced transactions.
The method of payment accepted also has a reflection on the seller, which is important when dealing with high priced transactions. An example: A merchant accepting American Express has a perception of being of being higher quality than one that accepts Discover. (I hope I'm offending anyone by saying that.) Looking at this board... what kind of perception do you think only accepting PayPal gives?
posted on March 12, 2002 03:19:45 PM new
Hi libra63,
A "confirmed" address, which is a component of the Seller Protection Policy, is the address confirmed from the credit card.
Verified means that the user has given stronger credibility to their identity through bank account verification.
The two items are often confused, but they are not the same.
As an aside, signature confirmation is required on transactions over 500.00 for the Seller Protection Program.
Hi frustratedguy,
PayPal handles numerous transactions daily without incident. You would find, if you really looked at the issues hard enough, that the issues are caused by:
a) seller not delivering product
b) buyer taking an issue with the seller (chargeback, buyer complaint)
c) Seller did not comply with the Seller Protection Policy when one of these items comes in
Looking at the boards gives a very skewed perspective on how few issues there are. Account restrictions,chargebacks and sellers not delivering product are relatively rare occurrences.
I also advised you on your specific issue. I also advised you on how to resolve the issue. It does require some assistance from you to resolve. The main reason that you currently have an issue is due to the fact that you took an action before questioning what would happen to your PayPal account.
1) I made a purchase, on what was suppose to be my cc, but it was charged to my bank account
2) I do not receive the purchase
3) I file complaint
4) Seller contacts me and offers me refund
5) Seller contacts PayPal, PayPal tells seller not to give me refund.
6) I try contacting PayPal, they just quote me the policy that there is no assurance that I will get refund.
7) I exercise my right as a consumer, and I stop payment
8) PayPal transfers the amount to my cc, puts my account on restriction as a result of stopping payment
9) PayPal finds seller at fault and gives me refund. My account is still on restriction.
10) PayPal and Damon repeats and repeats that I need to take action and give PayPal the right to debit my bank account to take my account off restriction. You abused that right, I won't give it. I opened my account as "unverified" without a bank account... I just want my account unrestricted, and unverified again.
posted on March 13, 2002 07:30:35 AM new
Oh... I almost forgot, going back to original comment about NOT using PayPal for large purchases... when you do not use PayPal, and use a credit card instead:
- You're absolutely assured that you're using a credit card (no confusing policy/interface that may mean you just paid cash)
- You can easily get in touch with their customer service and stop payment (I get through immediately)
- When you do stop payment, they immediately credit your account pending further investigation. (You don't have to wait 30 days to get your money, and they don't warn you that you may not get my money back.)
- After stopping your payment, they don't put your account on restriction. (In fact, the bank encourages people to stop payment as soon as possible!)
Given the above reasons, I still recommend NOT using PayPal for large purchases. If you want to read about a recent experience that just proves this point futher, read Lauren's posting on the topic "No item, no $$$ back?" (You can also see Damon "helping" by once again quoting PayPal policies.)
[ edited by frustratedguy on Mar 13, 2002 08:07 AM ]
