And If You Use The Friends & Family In Paypal For A Purchase Then

[JohnTheTexican]

How much difference is it if a buyer pays more for g&s or pays f&f and the buyer has to pay a fee anyway?

If you use a credit or debit card, it's basically a wash. The difference is that with with G&S, 2.9% plus a fixed fee is deducted from what the seller receives, and with F&F the buyer pays an extra 2.9% plus a fixed fee.

The other difference is that with F&F there's no buyer or seller protection

However, if the buyer selects F&F and pays with funds from his paypal account or drawn directly from his bank account linked to PayPal (no credit or debit card), the fee is waived.

The fees are set out here.

Also, it is a violation of PayPal's User Agreement to request payment by F&F when a it's really a sale:

Receiving personal payments

If you use your PayPal account to receive payments for the sale of goods and services or accept donations, you must not ask your buyer to send you money using the “send money to a friend or family member.” If you do so, PayPal may remove your PayPal account’s ability to accept payments from friends or family members.

And it turns out that it's also a violation of the User Agreement to ask a customer to pay more to use PayPal:

No surcharges

You agree that you will not impose a surcharge or any other fee for accepting PayPal as a payment method. You may charge a handling fee in connection with the sale of goods or services as long as the handling fee does not operate as a surcharge and is not higher than the handling fee you charge for non-PayPal transactions.

I never read the User Agreement before today, so the "No Surcharges" part is news to me, and I expect a lot of other people around here.

So to the extent the "ethics" question comes down to compliance with the user agreement, for a seller to ask for an additional 3.6% (or whatever) to pay by PayPal is just as unethical as asking buyer to use the F&F tab.

 

[Jaxx]

True. And on adding the fee, I'm as guilty as anyone else...done that in the past, with USPS MO's being an alternative to PP fees...and in my case, preferred method of payment. Future sales from me will just have a one-price-covers-all type of price.... Pay xxx, receive insured tracking #, wait for delivery, enjoy fresh sharpened steel.

 

[SpyderPhreak]

People think they're getting around the PP surcharge by saying that there's a discount for using alternative payment methods, but it's total BS. It's really too bad that PP doesn't more heavily investigate folks who are so blatantly violating their TOS in sales ads.

 

[Azula Gun Holsters]

We had another chargeback this morning. Buyer said it was not authorized but they made the purchase on E-bay and we shipped to their confirmed address. This was a purchase from August.

In the old days prior to Paypal we would have lost the chargeback through our bank.

The good news is that we are covered by paypal. We just input the tracking number showing delivered and that's it. The funds will be placed on hold but will be released once they close the case.

We used to get so many Fraud orders prior to paypal that it became a major problem. Once we switched to using paypal as our credit card processor we have eliminated all fraud orders and we are covered if they say they did not authorize the purchase or don't recognize the charge or didn't receive the order as long as we have a tracking number and it goes to the confirmed or verified address.

 

[legaleagle]

Is PP paying you a promotional fee? What does this add that your first post didn't? What does this have to do with Busse knives?

 

[KnifeKnutz]

It shows how things have changed and sellers are now becoming protected better. It wasn't long ago a buyer could say pretty much anything and you'd lose your item plus the cash. Before that in the early days of eBay the seller had all the power and feedback was everything and a lot of buyers got the raw end of the deal so that's why they went hard on the sellers at first (too hard lol). If paypal is balanced now in the handling of buyer and seller protection it only took around 20 years to accomplish this lol. It may be off topic but is interesting

Is PP paying you a promotional fee? What does this add that your first post didn't? What does this have to do with Busse knives?