Can I get your opinion on paypal - Page 2 - YorkieTalk.com Forums

Nancy1999 · 08-02-2010, 11:53 AM

Quote:

Originally Posted by bchgirl

I understand your logic...but did you know if you dispute a CC purchase with your issuing bank instead of paypal...paypal will close your account. It's in their terms of service.

Well, I disputed a charge with Paypal first, and I won the case, because merchant went out of business, and never delivered the item, but Paypal said. too bad, they would still charge me, because they had already paid the merchant. I was in the time limit, and I disputed this with credit card company, and they said Paypal can't do that, and didn't give them the money. Paypal didn't close my account, so I guess they have that option, but don't always use it.

TresCutePiggies · 08-02-2010, 11:53 AM

Well, I don't like Paypal very much. After using my credit card through my Paypal account for about a year and a half, I can no longer use my credit card with Paypal unless I verify my account by giving them my bank account info or opening a PayPal credit card since I've hit my sending limit, which I am very hesitant to do. I don't want them to have my checking account information and I certainly have no reason to want a PP credit card, and I don't understand their reasoning for this when I have spent lots of money and never had an issue with any sellers.

Also, if I try to use that same credit card for a one-time payment with Paypal it won't let me since it is connected to my account.

LunasMomma · 08-02-2010, 12:31 PM

I actually prefer PayPal, as the merchant never sees my credit card info

Also, they have a thing you can download and it will generate a disposable MasterCard (good only for the one purchase) for you. Then you can use PayPal to check out anywhere, even when they don't accept it

BaxtersMommy · 08-02-2010, 12:42 PM

I do not know what system you use for your accounting, I use quick books and they offer billing solutions. It allows me to email an invoice and the customer clicks on a link to pay. You can also get them to be set up as your shopping cart on your site. I have pay pal and have never had any problems. I also like the fact that you can get a buisiness pay pal debit card. This way you have your funds instantly, other wise it takes 2-3 days getting to your bank. But, I like have another option besides pay pal.

speleogirl37 · 08-02-2010, 12:48 PM

I have had paypal for yrs, and they have gotten my money back for me a few times. And protected me from people wanting the merchandise and the money they paid back (mostly scammers on ebay). I use paypal only online! If a store doesn't have it, I shop elsewhere.

Mom to Hot Rod · 08-02-2010, 01:07 PM

Being new at selling I like taking paypal for the ease. I do not sell enough yet to open merchant accounts so PP works for me. I have not have any issues with them to date.

As a buyer, I like the sites that take paypal so I don't have to get my credit card out every time. There are lots of times I surf the web and do not have my cc info handy. I don't have the info in my head so paypal makes so much more convenient to shop but then that is bad in it's own way--LOL.

jencar98 · 08-02-2010, 01:09 PM

I would stay with Paypal and wouldn't worry about not offering other cc options. I think most anyone that buys dog clothing on-line does have a paypal account. I actually prefer using paypal to using my card, with some of the merchants I don't know how secure their sites really are.

Roboyorkie · 08-02-2010, 09:21 PM

I use Paypal only for my computer repair biz and haven't had any problems with it, and you can set up your personal account as a business account without any extra fees, and this allows people to just type in their cc info and go on their marry way without signing up for a paypal account,but most people I've dealt with already have a paypal account.

nana911 · 08-02-2010, 10:02 PM

If I run across something online and they don't take PP, I look for it on a website that does. PP is that convenient. They take care of disputes and I don't have to give my CC to everyone. I, too have disputed CC issues and PP did not close my account. I've never had a problem with them.

My daughter made the mistake of answering one of those stupid phishing emails from a fake PP email asking for info and her checking account got wiped out. Bank of America gave her all her money back. But none of that was PP's fault. I'm pretty sure that everyone with a PP account has at one time or another received one of those bad emails and just deletes them, or as I do, forwards them directly to PP's fraud division.

107barney · 08-02-2010, 10:19 PM

I used paypal initially when I started my online store. I had several people contact me to complain and ask if there was another way to render payment. It happened enough that I got an authorize.net merchant account in addition to paypal. I like paypal but I always use my AMEX for freq flyer miles.

YorkieChick1 · 08-02-2010, 10:58 PM

Quote:

Originally Posted by Mom to Hot Rod

As a buyer, I like the sites that take paypal so I don't have to get my credit card out every time. There are lots of times I surf the web and do not have my cc info handy. I don't have the info in my head so paypal makes so much more convenient to shop but then that is bad in it's own way--LOL.

I feel the same way!!

RDB911 · 08-03-2010, 04:02 AM

Paypals is great but I wish I offered another method. I get calls all the time asking what paypals is and why they have to use that method. I explain its a merchant service and they don't need to have an account to pay and can bypass that step and pay directly with a credit card.

Shanatink · 08-03-2010, 07:38 AM

Quote:

Originally Posted by TresCutePiggies

Well, I don't like Paypal very much. After using my credit card through my Paypal account for about a year and a half, I can no longer use my credit card with Paypal unless I verify my account by giving them my bank account info or opening a PayPal credit card since I've hit my sending limit, which I am very hesitant to do. I don't want them to have my checking account information and I certainly have no reason to want a PP credit card, and I don't understand their reasoning for this when I have spent lots of money and never had an issue with any sellers.

Also, if I try to use that same credit card for a one-time payment with Paypal it won't let me since it is connected to my account.

I did not knwo that, I didnt realize they had a limit to how long you could use them without setting up an account.

Shanatink · 08-03-2010, 07:43 AM

Thanks everyone for all your help, I now have new concerns but also feel a little more confident that I could get by with just using paypal on the website if I need to which I think I will in the next few months just to cut expenses before baby #2 comes lol

Thanks everyone

08-02-2010, 11:53 AM	#17
TresCutePiggies Owned by Rory & Lane Donating Member Join Date: Sep 2008 Location: Atlanta, GA Posts: 1,893	Well, I don't like Paypal very much. After using my credit card through my Paypal account for about a year and a half, I can no longer use my credit card with Paypal unless I verify my account by giving them my bank account info or opening a PayPal credit card since I've hit my sending limit, which I am very hesitant to do. I don't want them to have my checking account information and I certainly have no reason to want a PP credit card, and I don't understand their reasoning for this when I have spent lots of money and never had an issue with any sellers. Also, if I try to use that same credit card for a one-time payment with Paypal it won't let me since it is connected to my account. __________________ Rory and Lane now have a dog blog, Doggie Debutantes. Find us on Facebook here. Last edited by TresCutePiggies; 08-02-2010 at 11:54 AM.

08-02-2010, 12:31 PM	#18
LunasMomma Izzy's Momma Too! Donating Member Join Date: Nov 2006 Location: Stuart, Florida Posts: 8,799	I actually prefer PayPal, as the merchant never sees my credit card info Also, they have a thing you can download and it will generate a disposable MasterCard (good only for the one purchase) for you. Then you can use PayPal to check out anywhere, even when they don't accept it __________________ Tracy, Mom to Izzy and Luna

08-02-2010, 12:48 PM	#20
speleogirl37 ♥ Luv My Lil' M&M ♥ Donating Member Join Date: Oct 2008 Location: USA Posts: 1,572	I have had paypal for yrs, and they have gotten my money back for me a few times. And protected me from people wanting the merchandise and the money they paid back (mostly scammers on ebay). I use paypal only online! If a store doesn't have it, I shop elsewhere. __________________ Angie Madison Chance Our Future Baby Tatum

08-02-2010, 01:07 PM	#21
Mom to Hot Rod Donating YT 5000 Club Member Join Date: Jan 2008 Location: MD Posts: 10,908	Being new at selling I like taking paypal for the ease. I do not sell enough yet to open merchant accounts so PP works for me. I have not have any issues with them to date. As a buyer, I like the sites that take paypal so I don't have to get my credit card out every time. There are lots of times I surf the web and do not have my cc info handy. I don't have the info in my head so paypal makes so much more convenient to shop but then that is bad in it's own way--LOL. __________________ www.kissecollar.com Soft Cone Collars for Post-surgery and much more! 10% (non-food) - Discount code YT10

08-02-2010, 01:09 PM	#22
jencar98 Donating YT 500 Club Member Join Date: Jun 2006 Location: Oklahoma Posts: 6,435 Blog Entries: 3	I would stay with Paypal and wouldn't worry about not offering other cc options. I think most anyone that buys dog clothing on-line does have a paypal account. I actually prefer using paypal to using my card, with some of the merchants I don't know how secure their sites really are. __________________ ~Ruby, Reno, Razz, & Jack~

08-02-2010, 12:42 PM	#19
BaxtersMommy Donating YT 1000 Club Member Join Date: Jun 2009 Location: Texas Posts: 2,362 Blog Entries: 1	I do not know what system you use for your accounting, I use quick books and they offer billing solutions. It allows me to email an invoice and the customer clicks on a link to pay. You can also get them to be set up as your shopping cart on your site. I have pay pal and have never had any problems. I also like the fact that you can get a buisiness pay pal debit card. This way you have your funds instantly, other wise it takes 2-3 days getting to your bank. But, I like have another option besides pay pal.

08-02-2010, 09:21 PM	#23
Roboyorkie Senior Yorkie Talker Join Date: Jul 2010 Location: Virginia Posts: 79	I use Paypal only for my computer repair biz and haven't had any problems with it, and you can set up your personal account as a business account without any extra fees, and this allows people to just type in their cc info and go on their marry way without signing up for a paypal account,but most people I've dealt with already have a paypal account.

08-02-2010, 10:02 PM	#24
nana911 threadkillin' 6 pack Donating Member Join Date: Jun 2009 Location: USA Posts: 1,242	If I run across something online and they don't take PP, I look for it on a website that does. PP is that convenient. They take care of disputes and I don't have to give my CC to everyone. I, too have disputed CC issues and PP did not close my account. I've never had a problem with them. My daughter made the mistake of answering one of those stupid phishing emails from a fake PP email asking for info and her checking account got wiped out. Bank of America gave her all her money back. But none of that was PP's fault. I'm pretty sure that everyone with a PP account has at one time or another received one of those bad emails and just deletes them, or as I do, forwards them directly to PP's fraud division. __________________ lorelei, wife to gerry , momma to bear , baxter ,baby and bug

08-02-2010, 10:19 PM	#25
107barney T. Bumpkins & Co. Donating YT Member Join Date: Dec 2008 Location: New England Posts: 9,816	I used paypal initially when I started my online store. I had several people contact me to complain and ask if there was another way to render payment. It happened enough that I got an authorize.net merchant account in addition to paypal. I like paypal but I always use my AMEX for freq flyer miles. __________________ T. Bumpkins & Co. Washable Doggie Pee Pads (Save 10% Enter YTSAVE10 at checkout) Cathy, Teddy, Winston and Baby Clyde...RIP angels Barney and Daisy

08-03-2010, 04:02 AM	#27
RDB911 Lola's Love Donating Member Join Date: Aug 2008 Location: Mill Valley, CA, USA Posts: 2,934	Paypals is great but I wish I offered another method. I get calls all the time asking what paypals is and why they have to use that method. I explain its a merchant service and they don't need to have an account to pay and can bypass that step and pay directly with a credit card. __________________ www.NewPuppyPads.com Puppy Pee Pads by the Case and Washable Pee Pads www.PremierYorkie.com

08-03-2010, 07:43 AM	#29
Shanatink Mommy to 3 Princesses Donating Member Join Date: Apr 2005 Location: DFW Texas Posts: 11,030	Thanks everyone for all your help, I now have new concerns but also feel a little more confident that I could get by with just using paypal on the website if I need to which I think I will in the next few months just to cut expenses before baby #2 comes lol Thanks everyone __________________ Custom Dog Clothing Boutique www.TinkerbellsCloset.com