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-   -   Can I get your opinion on paypal (https://www.yorkietalk.com/forums/off-topic-discussions/209667-can-i-get-your-opinion-paypal.html)

Shanatink 08-02-2010 09:25 AM
Can I get your opinion on paypal
 
Im thinking about eliminating my merchant services on my website because the fees are ridiculous and I'd like to just make paypal my checkout system. Now days anybody can use any credit card thru paypal without having to actually set up a paypal account so there is really no difference. However I know a lot of people dont know that about paypal and so anyways my questions is what do you think of paypal? If you were shopping on a website and paypal was the only checkout method (although you can still use any of your credit/debit cards) would this turn you off? would you be okay with it?

margaritaville 08-02-2010 09:28 AM
I would be fine with it. Paypal and I are good friends. I have another good friend,:D ATM

bchgirl 08-02-2010 09:31 AM
On the websites that offer separate cc services and paypal...I chose the former the majority of the time and always with a merchant I've never purchased anything from previously. Simply because using my credit card offers me more protection than paypal.

I personally wouldn't limit the manner in which someone could pay me. I'd offer all options. There are still plenty of people out there who do not have a paypal account nor wish to open one.

Ellie May 08-02-2010 09:32 AM
If I already had dealings with the company, I'd be fine with it. Otherwise I might hesitate. I do think it makes the most sense, but some are still not going to want to go through Paypal at all even without an account. I think it may negatively affect your business, but how much I don't think anybody can say. I've looked into merchant accounts before though and the are crazy expensive. :(

Poochieheaven 08-02-2010 09:48 AM
Have you tried to get better credit card rates?

The paypal rates are higher for me than my credit card fees..

Try asking around or asking them to review of your rates.

smartpuppiepets 08-02-2010 09:53 AM
Well, e-bay is always growing and their main payment method is paypal. i have no problem using it .
XOXO

Shanatink 08-02-2010 10:09 AM
Quote:
Originally Posted by bchgirl (Post 3223085)
On the websites that offer separate cc services and paypal...I chose the former the majority of the time and always with a merchant I've never purchased anything from previously. Simply because using my credit card offers me more protection than paypal.

I personally wouldn't limit the manner in which someone could pay me. I'd offer all options. There are still plenty of people out there who do not have a paypal account nor wish to open one.
That's what Im worried about but it's come to a point where it is not lucrative enough to pay the monthly fee just to have a merchant services plus of course they get a percantage of every purchase (which that part is fine but the monthly fee on top of that is what is doing me in). Basically if I shut down for a month I still have to pay a huge amount of fees even if I didnt take any orders. Now with paypal it basically is just a checkout terminal now where any credit card can be used but I knwo many people do not think of it that way which is why Im wondering if it would bother people too much. You do not have to have a paypal account to use it to checkout but I knwo so many people dont realize this. You can have a credit card and just use the paypal as a checkout terminal.

Nancy1999 08-02-2010 10:26 AM
I always use paypal, and a credit card to pay paypal, if I have a dispute, I have my credit card company handle it, so I'm doubly protected. I'll go to a site that has paypal, rather than just credit cards, I just don't like giving my card number all the time. Paypal is so easy to obtain, if someone has a credit card they can sign up for it fast.

Mitzis Mom 08-02-2010 10:33 AM
I did all my PocoMutt sales with PayPal and never had any problems. Your customers don't even have to sign up with PayPal and can use any major credit card. I also love the merchant features with the shopping cart and the statistics...

chachi 08-02-2010 10:35 AM
I use my paypal whenever a merchant takes paypal. It would be taking a risk to limit the ways a person can pay but if I remember right Des at Gofetch is just paypal and it obviously hasnt hurt her

Ladymom 08-02-2010 10:52 AM
When given a choice, I always select Paypal because the merchant doesn't get my credit card information that way. I had a problem with a store I'd ordered from for years about a year ago. Their website was hacked and I had some fraudulent charges on my credit card. I had to cancel the credit card. What a hassle.

I have been selling bows using Paypal for six years and love it. Most people seem to have a Paypal account, but those that don't just make a one time payment with a credit card. I have never lost a customer because I don't take credit cards directly.

bchgirl 08-02-2010 10:58 AM
Quote:
Originally Posted by Shanatink (Post 3223123)
That's what Im worried about but it's come to a point where it is not lucrative enough to pay the monthly fee just to have a merchant services plus of course they get a percantage of every purchase (which that part is fine but the monthly fee on top of that is what is doing me in). Basically if I shut down for a month I still have to pay a huge amount of fees even if I didnt take any orders. Now with paypal it basically is just a checkout terminal now where any credit card can be used but I knwo many people do not think of it that way which is why Im wondering if it would bother people too much. You do not have to have a paypal account to use it to checkout but I knwo so many people dont realize this. You can have a credit card and just use the paypal as a checkout terminal.
I accept credit card payments at work. We do not have a terminal nor do we pay monthly fees. I am charged only when someone uses a business card and the rate is 3.2 on the amount charged. I call in the transactions over the phone and they are automatically credited or debited to our checking account.

bchgirl 08-02-2010 10:59 AM
Quote:
Originally Posted by Nancy1999 (Post 3223152)
I always use paypal, and a credit card to pay paypal, if I have a dispute, I have my credit card company handle it, so I'm doubly protected. I'll go to a site that has paypal, rather than just credit cards, I just don't like giving my card number all the time. Paypal is so easy to obtain, if someone has a credit card they can sign up for it fast.
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.

Amazing Yorkies 08-02-2010 11:47 AM
I've used Paypal for over 10 yrs, both buying and receiving. I've never had any problems and I search for merchants that offer Paypal.. That way I have the option of out of my checking account or credit card.

Amazing Yorkies 08-02-2010 11:49 AM
Quote:
Originally Posted by bchgirl (Post 3223198)
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.
Didn't know this, but understandable. If diputed with CC, Paypal is left without any control. Good info to know. Thank you!


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