Inquiry PAY PAL whats the stroy

[burmbreeder5 artie]

any buyers have problems sellers getting ripped off id like to know

 

[Fangthane]

Collecting dirt for another imaginary class-action lawsuit?

 

[morph evolution]

well artie a lil more info would be good..i know several people are having problems with p.p. so you want to explain?

 

[burmbreeder5 artie]

get on topic or dont post dan

 

[burmbreeder5 artie]

no im just wondering if anyone had problems im good with them

 

[Fangthane]

get on topic or dont post dan

Ask and ye shall receive. One thing I'm not liking about PayPal is their "gift" option for sending funds.

From: [email protected]
Date: Wed, 6 Mar 2013 20:02:33 -0500
Subject: Re: Message about: female adult het pied ball python s from theaceroughneck@...
To: [email protected]

she has been with pied and pastel pied male hasnt taken yet but off feed i accept pay pal as gift only or wire transfer

I feel that PayPal has left a glaringly obvious loophole that allows shady people to not only circumvent their fees, but also put unsuspecting buyers in a position where they're completely without recourse. In effect, it renders PayPal no more secure than Walmart wire transfers, whose solicitation many also view as an instant red flag.

 

[jcfourme]

I definately agree, paypal payments should NEVER be sent as a gift unless it is exactly that, (A GIFT). As Dan states it leaves your buyer with no recourse. It's shady for a seller to even ask and if it's just the little fee you're worried about as a seller let your asking price reflect that fee.

 

[AGoodwin]

if people are stupid enough to pay for a purchase using the "gift" option, that is their fault, not paypals.

 

[Fangthane]

if people are stupid enough to pay for a purchase using the "gift" option, that is their fault, not paypals.

True enough, but that's tangential to the point I was making, which was admittedly little more than an on-topic poke at Lartie. After all, s/he did ask me nicely to stay on-topic, and I'd hate to disappoint them.

It's shady for a seller to even ask

^^ This.

 

[REPXOTICA]

Paypal can be very tricky. Always make sure that you ship to a confirmed address and keep all paperwork. I once sent a statue to someone that I sold on ebay, 3 months later, the buyer filed a claim that he never purchased it. I provided all paperwork and delivery confirmation that it was delivered. The buyer even left me positive feedback on ebay detailing how much he loved the item. The dispute came down to the fact that his address was not confirmed on paypal and I was out $250. You need to read all of the facts under seller protection or you can get burned!

 

[VinnyButch]

You can avoid the entire 'gift' issue by offering to send the money to the seller plus the 3% seller's fee they're looking to avoid.
Instead of sending a seller a $100 gift, just send him $103 as a regular transaction. This way it doesn't cost the seller anything to use paypal, and you have a little protection on the buy side.

 

[Dennis Hultman]

if people are stupid enough to pay for a purchase using the "gift" option, that is their fault, not paypals.

It is interesting that my first thought on the subject is so different.

All buyers are not necessarily in business or understand payment options. Sellers are.

So instead of thinking these people are stupid I wonder why anyone would think buyers fault or ebays.

I might agree or disagree with paypals policies but you do agree to follow their rules when using them. There are alternatives.

They are a company that charges a fee for a service. If they didn't they wouldn't exists. I may disagree with their fees but I don't have to use them.

So you got to ask yourself if a seller is eager and willing to defraud his payment processor, wouldn't he be willing to defraud others?

Some people have no problems with accepting payment as a gift with paypal, some get flagged usaually after a problem or high volume of "gift" payments and their account is terminated.

Anyway, it is against the TOS just as much as requiring someone to pay the fees in addition to the asking price.

The seller is the one in business and should know the rules.

The ad itself is enough to get your paypal account terminated.

she has been with pied and pastel pied male hasnt taken yet but off feed i accept pay pal as gift only or wire transfer

If they review your account and determine you have been violating this policy and cheating them.

 

[mikepanzarella]

Guess you would call it a love/hate relationship.
I love the fact that im able to offer our customers a quick and easy way to pay.
(I will never ask for it in gift form,or ask the buyer to pay the paypal fees)
we also have the paypal card reader we use for shows.(we have Square also)
I hate the fact that when things go wrong paypal can be useless and wont even look into live animal disputes.
Right now im in the middle of a dispute and they skipped over the option to let me give them any evidence as to why im disputing(thank fully Im able to upload everything on the BOI but sadly that wont influence paypal in the least).
we have had over 100 good transactions with paypal (buying/selling) and only three that needed to be disputed. overall its another tool if used properly it works (most of the time lol).

 

[REPXOTICA]

This is why I say it can be tricky, that loss taught me a lot. Most addresses on paypal are not confirmed. You can only confirm your billing address. I did ship to the address on the transaction detail page.

Paypal will only protect the seller if the item is shipped to a CONFIRMED address. This is the address where your credit card statements go. They will allow the buyer to put multiple addresses on the account but only one is confirmed. So basically, if a person wants the item shipped to them at work, the seller is not protected.

My thought is that if paypal allows them to put the address on the account, then it should be covered under seller protection or they should alarm the seller with a pop up or bold print that this transaction will not be covered under sellers protection.

The person I dealt did receive his item. His credit card got stolen months after our transaction took place and he took it as an opportunity to reject all charges in the last few months. He won some and lost some. I think that people don't think there are live people that can be hurt....not just a big credit card company that gets burned.

 

[TriangleReptiles]

I just had a seller request that I pay using the gift option. I politely explained that I would not do it. PayPal provides a service and should be paid for that service. To do otherwise is theft, pure and simple. I told him that it was a deal-breaker for me. Either pay the fee, or the deal was off. He paid. I don't understand why you would do that. Would you as a seller want to be ripped off like PayPal is being ripped off when you use the gift option?

 

[stingray]

BTW... I must commend you regarding this response to my question. You could have mistakenly perceived my questions as being judgmental and accusatory, which they were not, but instead you responded intelligently and intelligibly, and with information that is pertinent.

What a wonderful thing this forum is. On top of being an incredible source of information It gives us a place to express our ideas, our concerns, our opinions, and present questions to those that may have greater knowledge and answers to those that may not, all in a mostly civil, mostly safe environment.

Big shout out (God I hope I'm using that phrase correctly. I don't want to embarrass my kids tooooo much) to Rich Z and all the Mods. I'm sure at times its probably more like running a daycare center than anything else. I bet it can get pretty crazy in here.

But I digress....

Ditto and well said. I totally agree.

 

[Serenescales]

This is why I say it can be tricky, that loss taught me a lot. Most addresses on paypal are not confirmed. You can only confirm your billing address. I did ship to the address on the transaction detail page.

Paypal will only protect the seller if the item is shipped to a CONFIRMED address. This is the address where your credit card statements go. They will allow the buyer to put multiple addresses on the account but only one is confirmed. So basically, if a person wants the item shipped to them at work, the seller is not protected.

My thought is that if paypal allows them to put the address on the account, then it should be covered under seller protection or they should alarm the seller with a pop up or bold print that this transaction will not be covered under sellers protection.

The person I dealt did receive his item. His credit card got stolen months after our transaction took place and he took it as an opportunity to reject all charges in the last few months. He won some and lost some. I think that people don't think there are live people that can be hurt....not just a big credit card company that gets burned.

I'm kind of going to address this comment a little backwards so just a warning.

If the transaction was disputed months later, it most likely was not PayPal that handled that dispute. PayPal has a 45-day window allowing for transaction disputes. So, if this did happen months later it was probably the credit card company who chose to chargeback the funds using that same logic (not the address on the card itself).
I've had someone open a dispute with me after I had delivered the product and, since I was able to provide plenty of proof showing I shipped the item to the address provided and that it successfully arrived, Paypal chose to only refund the buyer if the item was shipped back to me.
I know they've got to have some sort of general protocol when these sorts of transaction disputes happen, but they are humans making the decision and so one's final judgement can be different from another worker's.

Credit Card chargebacks are open for much longer time periods and each period depends on the issuer itself. I know some will only allow a charge back for recent transactions and some others up to a year or even more. It can be tricky and, most of the time, you're out of luck when this happens because you have no way of proving that the card WASN'T stolen, especially if the shipping address and the billing address are two different things.
I think that the seller could be screwed out of money no matter which payment type they accept if credit or bank cards are involved.

That said, PayPal has a fair amount of buyer protection; however, I'd prefer a period a little longer than 45 days, or a way to "link" transactions, this way when down-payments are placed on an item and it is paid off over a few months the buyer has the ability to get all of that back should the seller end up splitting and not ship what was paid for.
There isn't a lot in the way of seller protection. If someone does open a dispute you better have evidence A to Z to prove that you did ship the item, that it was shipped as described, etc.

There are other ways to confirm an address with PayPal. My account, for example, has 2 confirmed addresses listed, one is associated with my bank and the other with a previous credit card. I also believe users can scan or mail other proof of addresses.


All in all, PayPal is definitely a very good thing for a buyer as well as the seller, although one might not like their fees (they do need to keep the site up, and pay employees after all) and their seller's protection could use some added muscle.

Also, I hope I'm not coming off in the wrong way. I'm not trying to be rude, but rather I'm trying to possibly shed some light onto another possibility for what happened with your specific transaction.

 

[bostich36]

This is off-topic but I'm confused, why was burmbreeder5 banned?

 

[RichsBallPythons]

Over years of doing business, Buyers tend to eat the fees or send as gift. I all of 2012 never had fees taking out of any of my transactions.

On the 1099k Form the fees, refunds and so on are a PITA to deal with when filing taxes. Having fees paid for or not even seeing many of them helps when filling out taxes.

Some say factor the 3% into the price if worried about it, but dont realize that factored in price not becomes part of your Net profit, which can lead to net loss over time.

On expensive items i never take paypal. Either Money order from USPS or certified check from bank.

 

[RichsBallPythons]

Over years of doing business, Buyers tend to eat the fees or send as gift. I all of 2012 never had fees taking out of any of my transactions.

Forgot few words, just meant that over time my customer/buyers just ate the fees or sent as gift without being told to do so.