Ebay and PayPal

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WindyCityKali

Feedback: +2 / =0 / -0
Joined
Oct 31, 2007
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651
Greetings,
I know that I'm very, very behind the times with this - but I've finally come to face the fact that there are things that I want and they're on Ebay for much less than they are in the stores.

I set up an Ebay account (I only want to buy - I don't envision selling anything) - but I've stopped at PayPal. I guess I've heard so much about what can happen that's BAD when using something like PayPal.

I thought I would ask this question - knowing full well that I'm opening myself up for "Welcome to the year 2000" jokes. But, what are you guys opinions on how to do this "the right way"? Is PayPal the way to go? Should I get a different credit card and use that for paypal?

Any hints, suggestions or tricks would be appreciated. I have my eye on some surefire stuff that I want in my possession soon! :D
 
I for one see nothing wrong with setting up a paypal account and I have one that is verified with a checking account. I don't use a credit card ever on paypal and only have the money taken directly from a checking account that I set up entirely to use with paypal. If I sell stuff the money goes back into my checking account whenever I want it too. I really don't see much that could happen from doing it that way. I buy stuff off of ebay everyweek and have never had a problem at all. It's way easier than having to send payments out all of the time in my opinion. Just my two cents..
 
I would rather spend the extra time going to the post office and sending a money order than use Paypal. Their business practices and inability to be reached by phone are bothersome to me. I would recommend not using them.
 
I think this subject works better in FEEDBACK than Community ...
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I have been using PayPal as a buyer for a couple of years, without any problems at all.

Tom
 
Paypal is the way to go if you are BUYERS and not Sellers.Payal currently has $750 of mine over a deal.I am not a happy camper
Randy
 
If you're only buying and you use a credit card you're not at any risk. If PayPal tries to rip you off you'll just do a chargeback with your credit card company.

You don't have to open an account with PayPal to do that, by the way. You're just paying with your credit card and the seller is using his PayPal account to process the transaction rather than getting a merchant account directly with the credit card company. According to PayPal's advertising that gives you extra protection since if the seller tries to rip you off you could dispute it with PayPal. In practice that may or may not be a successful strategy, but it doesn't matter because you can always fall back on doing a chargeback with your credit card company, as long as you don't let PayPal stall you past the deadline for that.
 
PayPal- Buy with a Credit Card so you have the additional protection of being able to have the credit card company do a charge back. As a Seller I'm able to take credit card payments and I can ship immediately after recieving a Confirmed Payment.

A postal Money Order will add 2 weeks to the transaction. Using PayPal an eBay Sale that closed Monday, PayPal Payment Tuesday, Shipped Priority Mail Wednesday and recieved by Buyer on Saturday, Feedback Left and transaction wrapped up in less than a week.

It's not perfect and only as good as the people involved but it's better, faster, universally accepted and more convenient than any other method I know.


Mitch
 
That's great if you want speed more than security. I can see PayPalling good guys on BF, you know who you're dealing with.
 
Many thanks for moving to the appropriate forum. I took my best stab at it.

Thanks for the suggestions - my better half works for my bank so I could setup a separate account. I think I'll just credit card, as I like that I would have the issuing bank working with me as well if there's a probably.

Many thanks for your time gentlemen. I'll check back if anyone else wants to post later.
 
I've had a minor issues with eBay but never an issue with paypal ( knocks on wood) but , I've read some folks stories about payapl so......
 
"That's great if you want speed more than security."

I have 400 plus transactions all over the world and not a problem so I have speed and security. If I didn't use Paypal I would have less than half of those 400 transaction and I doubt any better security.

There are enough people ripped off right here on Bladeforums so you know any transaction is only as good as the people involved in the deal.


Mitch
 
I am all for Paypal. If you take the time to read the rules and learn what they will and will not do, you can't go wrong with paypal. If you perform the due diligence you can avoid placing your funds in a transaction where they might be tied up.
Cross your t's, dot your i's, and Paypal is 100% safe. People who have taken the time to research the safeguards offered by paypal, and utilize them, know this to be true.
 
In my opinion there is nothing more secure than using a credit card through Paypal as a Buyer. You have all of the protection of the credit card company and if you have a problem and you have a good track record with that credit card company the chargeback is many times immediate.

I wouldn't even waste my time with a Paypal dispute if I was ripped off. I would go straight to the credit card company for a chargeback.

I use to pay with Postal Money Orders but even they can be cashed and you ripped off. I have read of quite few instances (some of them even here on Bladeforums) where the Postal Inspectors will not pursue a case even though you have proof of purchasing and sending the money order and the other party either will not or cannot provide proof of delivery.

I would never, ever link a personal checking account to Paypal. Go to Paypalsucks.com and read the thousands of horror stories.
 
Don"t Use Paypal To Buy!

You Cannot Get Your Money Back If They Screw Up The Transaction.

Seems They Make A Little Too Much Money By Stealing It From Others.

Receiving Payment Is Alot Safer, But Still Iffy At Times.
 
If you are just buying then just use a credit card, but to receive money on a paypal account you have to have a bank account linked. I used a credit card at first, but eventually wanted to sell stuff as well and so I had no other choice but to link it to a checking account. That is why I created a checking account only for paypal transactions.
 
Any company that doesn't want my business by dictating what I "can" and "can not" buy (as long as that item is legal), using their services is of no value to me. Kind of like being part of the problem instead of part of the solution.
 
Cougar Allen said:
If you're only buying and you use a credit card you're not at any risk. If PayPal tries to rip you off you'll just do a chargeback with your credit card company.

You don't have to open an account with PayPal to do that, by the way. You're just paying with your credit card and the seller is using his PayPal account to process the transaction rather than getting a merchant account directly with the credit card company. According to PayPal's advertising that gives you extra protection since if the seller tries to rip you off you could dispute it with PayPal. In practice that may or may not be a successful strategy, but it doesn't matter because you can always fall back on doing a chargeback with your credit card company, as long as you don't let PayPal stall you past the deadline for that.
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Cougar nailed it. Buyers are best protected if they use a credit card to pay for items when PayPal is involved. PayPal, like its owner eBay, has shown me zip when it comes to the relatively few disputes I have had. Once they have the $$ out of your bank account, you are left to their tender mercies.

I would add one point. Discover is not a bank card. They regard the seller as their "customer," not the cardholder. They are not as likely to see things the seller's way as a bank credit card that sees the buyer as the, or at least a, customer.

EXAMPLE: I bought a "size 48" jacket on eBay. The jacket that arrived was a size 42, and so labeled. The seller refused to undo the deal. In fact, he ignored all my emails. When I disputed the transaction with Discover, Discover made me mail the jacket back to "our customer" (the seller) at my expense as a precondition of crediting my account for the cost of the jacket and shipping to me. Hardly a disaster, but I was out $8.00 through no fault of mine.

By the way, under the UCC in all fifty states, the shipper of "non-conforming goods" has the total burden, including cost, of arranging for their return shipment. Discover said they didn't care. Their "practice" was that the buyer has to return the goods even in the face of the seller's total silence and refusal to deal.

Discover also regards the federal requirement that they "investigate" your claim to be satisfied by asking the seller for his/her/its version of the facts. They accept whatever the seller says as true unless you have documentary evidence otherwise -- and sometimes even if you have that documentary evidence. At least, that's what they did to me in another instance -- until I convinced them otherwise by contacting the feds.

So buyers, VISA or MasterCard anyone?

(Not that sellers don't have their horror stories as well.)
 
"Investigation" is done by an Indian lady half way around the world with no interest in either party's solution. "Investigation" is done on foot to the sellers house, not from a phone in India. USE YOUR TAX DOLLARS AND CONTACT THE FEDS LIKE YOU DID! We are in a time of no internet laws, and people can get away with alot. Like the girls parents taunting another girl in the class until she commits suicide. And NOBODY went to jail atleast for harassment? Something smells funny in the world- oh it's the computer burning up silicon. Where's the old day trading posts with pelts, knives, and guns?
 
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