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Subject: "Question about receiving payment" Previous topic | Next topic
bellnier Silver Member Nikonian since 18th Jul 2006Tue 03-Feb-09 05:11 PM
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"Question about receiving payment"


Buffalo, US
          

I'd like to sell my D80 + grip (probably around $450) but I'm not comfortable with PayPal. Have you others found a satisfactory way to make this transaction? Cashiers check? Money order? Middleman to hold the money until camera arrives at buyers? Any input would be appreciated.
Cheers.
David

  

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Elyone Registered since 16th Oct 2008Tue 03-Feb-09 05:13 PM
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#1. "RE: Question about receiving payment"
In response to Reply # 0


IL
          

I have bought 2 items here with personal checks. But you need a buyer willing to:
A. Trust you
B. Be willing to wait until the check clears.

__

It doesn’t get easier, you just go faster. – Greg LeMond

  

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francine Silver Member Nikonian since 07th Jun 2007Tue 03-Feb-09 05:22 PM
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#2. "RE: Question about receiving payment"
In response to Reply # 1


Monroe, US
          

There is nothing wrong with Paypal. I have sold and bought and asked for Bank check and money order. No one had a problem with the wait time.

  

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jimsanders Silver Member Nikonian since 25th Mar 2008Tue 03-Feb-09 05:43 PM
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#3. "RE: Question about receiving payment"
In response to Reply # 0


Buffalo, US
          

As a buyer of many items here and on eBay, I have really come to value what PayPal offers. Sure, it costs the seller around 3%. But after a recent problem I'll probably never use another method of payment unless I can do a face-to-face transaction.

Last month I bought a lens on the big auction site. Three weeks went by and I had not received it. The email I sent to the seller went unanswered for 3 days.

I filed a dispute with PayPal and they froze the seller's funds immediately. Within 10 minutes I had a very apologetic response from the seller explaining he was selling the lens for a friend and that friend was supposed to ship it to me. The friend changed his mind. Right after I received the apology I received a full refund. Case closed.

That was the only problem I ever had with an online transaction. I wonder how it would have turned out if I did not have PayPal on my side.

  

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jebster Registered since 30th Oct 2005Tue 03-Feb-09 06:15 PM
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#4. "RE: Question about receiving payment"
In response to Reply # 3


Las Vegas, US
          

I agree , as a buyer/seller Paypal is the safest way to go! It is well worth the 3% for a piece of mind. As a seller you get paid right away and as a buyer you get your purchase quick.

Jeff

Visit my Nikonians gallery.

Visit my Nikonians gallery.

  

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bellnier Silver Member Nikonian since 18th Jul 2006Tue 03-Feb-09 06:23 PM
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#6. "RE: Question about receiving payment"
In response to Reply # 4


Buffalo, US
          

I briefly went to PayPal site and it is not obvious how to sign up if I want to sell only a single item. The only link from their first page, under "Personal" appears to be directed to those that will "Sell on Ebay". How do I set up an account if I do NOT want to "Sell on Ebay".

  

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MikeW2ck Silver Member Charter MemberTue 03-Feb-09 06:19 PM
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#5. "RE: Question about receiving payment"
In response to Reply # 0


US
          

I've accepted cashiers checks, money orders, and personal checks without any problems. Of course you have to wait for the personal check to clear before shipping.

Paypal is just quicker and easier.

  

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gphoto50 Registered since 06th Feb 2006Tue 03-Feb-09 06:43 PM
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#7. "RE: Question about receiving payment"
In response to Reply # 5


Bangor, US
          

Paypal doesn't require you to buy or sell on ebay. Although payal is owned by ebay and tens of thousands of people use it to do business there. You just make out the online forms with your bank account number or credit card and when you have made a transaction with a buyer and the funds are in your paypal account you ship your item and transfer the funds to your checking account or whatever you want to do. Of course paypal will withdraw the fees before moving the ballance to your bank.

Greg

... nature has ceased to be what it always had been - what people needed protection from. Now nature - tamed, endangered, mortal - needs to be protected from people. When we are afraid, we shoot. But when we are nostalgic, we take pictures.
Susan Sontag - On Photography

Visit my Nikonians gallery.

  

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LostRebel Registered since 11th Jun 2008Tue 03-Feb-09 07:19 PM
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#8. "RE: Question about receiving payment"
In response to Reply # 7
Tue 03-Feb-09 07:40 PM by LostRebel

US
          

I've been burned by PayPal, so I understand your hesitation to use it. They charged multiple charges of $ 12.98 listing the party making the charges only as "Internet Vendor" at the rate of 8 - 10 per day every day until my Credit Card was maxxed out. This took several consecutive days (I'll just say this happened daily for well over a week and let it go at that). PayPal "NEVER" caught this. I had no idea what happened until I got my statement. I contacted the Credit Card company immediately and I'm "still" trying to straighten this out. I've since purchased (twice) from fellow Nikonians using Cashier's Checks with the agreement when they get the check, they send the equipment. I've notified them when I've mailed the Payment, and they've notified me when they receive it. That's worked out GREAT for me, and I think the fellow Nikonians I've dealt with would agree. I've also not ordered from vendors since that have PayPal as the only payment option. Being burned once is enough for me. Just my $ .02 on PayPal. I also understand that most Nikonians swear by it. But--"IF" (or maybe If and "WHEN") you get burned like I did, I have this feeling your opinion about using PayPal just might change. Thank you for your patience and understanding as to my extreme frustration with PayPal and why some of us--me, in particular--would rather not have the equpiment than use PayPal. I'm sorry if this came out a little angry because I did try to tone it down--"a lot." Thank You, Again. Jim

  

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bellnier Silver Member Nikonian since 18th Jul 2006Tue 03-Feb-09 08:53 PM
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#9. "RE: Question about receiving payment"
In response to Reply # 8


Buffalo, US
          

Thanks Jim. I do appreciate your story and the time you took to explain it. I know that your experience has a low probability, but when it happens to you that probability jumps from low to 100%! I'm just not interested in getting involved in PayPal for what will probably be the only sale in my lifetime. I like the idea of a bank draft --- the buyer will just have to trust me!
Cheers.
Dave

  

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ttoolan Silver Member Nikonian since 29th Aug 2007Tue 03-Feb-09 11:03 PM
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#10. "RE: Question about receiving payment"
In response to Reply # 9


Sacramento, US
          

Just to give you the "other side of the coin." I personally won't deal with anyone who doesn't take paypal. My experience as documented very well be a rather high profile rip-off artist that scammed quite a few people just recently on this site. All of the people that were scammed didn't use paypal. In my opinion if the seller doesn't take paypal the transaction has a certian smell to it I don't want to have anything to do with. I'm not disparaging you personally but you do limit the people who will even respond.

Tom
D3, D200, D70, F6, F3/T, F2AS

"The Gods have two ways of dealing harshly with us. The first is to deny us our dreams. The second is to grant them."
Irish playwright Oscar Wilde

My Nikonians gallery

  

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nurseman Silver Member Nikonian since 12th Dec 2008Wed 04-Feb-09 12:41 AM
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#11. "RE: Question about receiving payment"
In response to Reply # 10


Madison, US
          

I have had two "cashiers checks" and one "money order" refused by my bank in my experience buying and selling watches and other items . It is far too easy to produce fake forms of payment. I would never ship till payment clears on any form of non cash payment. Two things to remember as a Paypal user, it protects the buyer more than the seller so you need to keep a copy of the receipt from the shipping company and insure any shipment over $100.00. Most important, never send anything without delivery confirmation. If your seller claims that they did not receive the goods and you can not prove shipment and confirmation of delivery you will instantly lose out on the funds. If you have documentation you are reasonably safe.

I am now a Paypal or cash FTF only seller.

Visit my Nikonians gallery.

  

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nht1637a Registered since 21st Mar 2008Wed 04-Feb-09 06:22 PM
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#24. "RE: Question about receiving payment"
In response to Reply # 5


Ballwin, US
          

>I've accepted cashiers checks, money orders, and personal
>checks without any problems. Of course you have to wait for
>the personal check to clear before shipping.
>
>Paypal is just quicker and easier.


Of course, sellers payment methods to avoid fees. How's about buyer side?

I have bought and sold a lot at here and eBay, and I always want Paypal as only payment method for both sides. It's not only quicker, easier but also SAFER.

So, I don't know why the OP is not convenient with it.

  

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hawk114 Registered since 07th May 2007Wed 04-Feb-09 01:04 AM
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#12. "RE: Question about receiving payment"
In response to Reply # 0


US
          

Dave- you will find that PayPal has its adherents and its detractors. I prefer not to use PayPal as a buyer and have stopped selling on eBay because of their requirement that you accept PayPal. There are just too many incidents of PayPal abusing their access to your funds, your credit card or your bank account. I do not give anybody direct access to my bank account and I sure am not going to allow PayPal to do that. Even though I am primarily a buyer, I bristle at the idea that they randomly withhold funds from sellers for periods of time that allow them free use of your money.

Having said all that, I understand sellers' concerns and am willing to work with the the seller to allay those concerns and if the bottom line is they will only accept PayPal then I will pay via PayPal. Of course to have your address "verified" they require that you apply for and get a PayPal credit card. Then when you go to pay via PayPal no matter what other card you have set as your "primary" you have to jump through several extra hoops to use that primary instead of the PayPal credit card. At least twice I have wound up inadvertently using the PayPal credit card when I had no intention of doing so. I am afraid PayPal got its unsavory reputation the old fashioned way....they earned it.

I have bought items here at Nikonians by sending bank PMOs, USPS MOs and by using a credit card and by using PayPal.

I tell you all of this just to give you another perspective from a buyer's standpoint. Some say they will never use PayPal, others say nothing but PayPal. I simply prefer to avoid PayPal so for me there is no negative implication when a buyer such as yourself says he would rather not use PayPal.

Now about that MB-D80....are you willing to sell it separately and if so for how much.

Michael

  

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nurseman Silver Member Nikonian since 12th Dec 2008Wed 04-Feb-09 01:20 AM
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#13. "RE: Question about receiving payment"
In response to Reply # 12


Madison, US
          

"Of course to have your address "verified" they require that you apply for and get a PayPal credit card."

I have a verified address and I do not have or use a paypal credit card. They just deposited a dollar in my bank account to check it and then sent a letter with a code to my address i entered it and they verified it. There was a requirement that I have a credit card but I used my own card.


Visit my Nikonians gallery.

  

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hawk114 Registered since 07th May 2007Thu 05-Feb-09 05:11 AM
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#28. "RE: Question about receiving payment"
In response to Reply # 13


US
          

John and Carl- you are both right. There is that alternative to getting a PayPal credit card, i.e. giving them access to your checking account. For me that was not a palatable choice so I opted to get the PayPal credit card.

Michael

  

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captaincarl777 Registered since 01st Jan 2009Wed 04-Feb-09 01:27 AM
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#15. "RE: Question about receiving payment"
In response to Reply # 12


US
          

I felt the need to correct some of hawk114's post, and at the same time emphasize warning where it is due. PayPal is my preferred method of payment because, like most credit cards, it offers protection to both the buyer and the seller. In a cash transaction, the buyer has to forward the cash/check/money order, but doesn't have many obvious protections in place if the seller, for whatever reason, does not send the merchandise in kind.

>Of course to have your address
>"verified" they require that you apply for and get a
>PayPal credit card.

This is not true. Case in point: I do not have a PayPal credit card, yet my address is "Verified". According to paypal.com "This means that you've added and confirmed a bank account, or approved PayPal Buyer Credit or PayPal Plus Credit Card to your PayPal account"


>Then when you go to pay via PayPal no
>matter what other card you have set as your
>"primary" you have to jump through several extra
>hoops to use that primary instead of the PayPal credit card.

This part is true: If you want to pay via credit card but have a bank account set up, they will make it hard for you to pay with the credit card. Read everything as you are completing a transaction, and you will be able to pay using the source you intend to. As always, buyer beware.

As far as avoiding/mitigating singular or repeated unauthorized access to your money, I would advise setting up your PayPal Notifications to email you whenever ANY transaction takes place. That way, you are only an email away from knowing when they've accessed your bank account, as opposed to a bank statement away, and can act quickly if the need arises.

I hope this helps someone out there!

Visit my Nikonians gallery.

Visit my Nikonians gallery.

  

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bellnier Silver Member Nikonian since 18th Jul 2006Wed 04-Feb-09 12:12 PM
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#16. "RE: Question about receiving payment"
In response to Reply # 12


Buffalo, US
          

Thanks Michael. I'm going to try to sell this kit locally.

Re: MB-D80 --- Sorry, but right now I don't want to break it up, since D80s are not that much in demand and the MB-D80 may be the 'value added' I need to move the camera. I've been saving for a D300 and am near the tipping point...selling the D80 will seal the deal.
Cheers.
Dave

  

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RockyIII Gold Member Nikonian since 27th May 2006Wed 04-Feb-09 01:24 AM
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#14. "RE: Question about receiving payment"
In response to Reply # 0


Raleigh, US
          

I've sold many items here and have yet to run into a problem. I've had good luck using PayPal, both as a buyer and as a seller. I find it an easy and convenient way to transfer funds instantly, although I have also accepted money orders, personal checks, and even cash from a local Nikonian.

I really prefer using the Nikonians "I Want to Sell" forum instead of other websites. You can get a good idea of people here from their posting history and profile.

Rocky

  

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LostRebel Registered since 11th Jun 2008Wed 04-Feb-09 01:35 PM
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#17. "RE: Question about receiving payment"
In response to Reply # 14


US
          

First, thank you to those who suggest that I set up my PayPal account for the automatic E-mails. I'm sure that's probably helpful to thoe with accounts. However, I neglected to mention in my original post that never having used PayPal (or ebay), I do not 'have' a PayPal account, which is why being charged through PayPal infuriated me so much. Since I never established a PayPal Account, I wouldn't have a clue how to set up an E-mail notification or if it were even possible. I'm certainly not going to establish one just for that purpose. I do second what Rocky said about my preference to purchase from fellow Nikonians. While limited, every exprience in purchasing from a fellow Nikonian has been trouble-free. I'm also aware of the scam Tom mentioned, and I was saddened to see that happen here (as it so frequently seems to happen on ebay). I'm sure that possibility was never in the minds of our co-founders JRP and Bo when they established Nikonians, and probably not even until it happened. I also feel that almost all (I had to qualify that only because of the aforementioned scammer) of our fellow Nikonians treat each other with respect, courtesy, dignity, honesty, and in the true spirit of what JRP and Bo envisioned when Nikonians was founded. I think I speak for most Nikonians when I say I'm saddened that one bad apple tried to turn Nikonians into their own personal scam operation, and successfully scammed some of our members. Everyone will have their own different perspective and feelings about PayPal, and they are definitely entitled to them. I think the best way to put it is we'll have to agree to disagree on our individual views regarding PayPal. Thanks again for your patience and understanding. Jim

  

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PeteCamp Registered since 25th Oct 2008Wed 04-Feb-09 04:47 PM
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#18. "RE: Question about receiving payment"
In response to Reply # 17


Midland, US
          

I have lots of "past" experience with PayPal and, as a result, had some experience with the FBI. It started when I discovered three separate charges to my bank account from a company in California using my credit card. I immediately contacted the bank and thankfully they stopped payment before the charges ($1,400 total) cleared. The bank got the FBI involved and they asked me to trace anyone who might have the suspect credit card numbers on file. When I tried to access my PayPal account, I found that I could not do so because the e-mail address (which I still have) belonged to someone else! I contacted PayPal and they verified what I discovered. The FBI contacted PayPal and later got back to me that it seemed lots of PayPal accounts had been hacked and mine was one.

I know this could happen to any "PayPal" type operation, but when they keep your credit card information on file it is an open invitation to hackers. We now do not let anyone keep our credit card info in their files. Just a word caution to all of us to watch those bank statement/credit card statements like a hawk.

---
Pete... A Nikonian lost in the desert
D200 F100 D40 FE

Visit my Nikonians gallery.

  

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Iceman15613 Silver Member Nikonian since 30th Oct 2005Wed 04-Feb-09 05:03 PM
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#19. "RE: Question about receiving payment"
In response to Reply # 17


Apollo, US
          

I would like to add a few comments regarding this thread from a law enforcement perspective. If you pay for an item with checks or money orders with the assumption that you will receive the item, you are making a huge mistake. What you are doing is very much like placing your money on the tables in Las Vegas and taking your chance. The odds are against you and sooner or later you will lose. That being said, PayPal is really only useful if you follow a specific procedure. Never, and I mean never use your bank account to make the payment. Use PayPal only as a means to use your credit card. It will be far simpler and far more likely to succeed if you are dealing with your own credit card company. A charge back will be initiated which will require PayPal to go after the seller. This will let you avoid lengthy battles with PayPal and the bizarre hoops that they try to make you jump through for their "protection."
Finally, at no time leave a balance in a PayPal account. They can and will freeze and hold your money for the flimsiest of reasons. If these suggestions are followed, you can make PayPal work for you.
Finally, there were several references to Nikonians trusting each other. The more trust that exists, the happier conmen are; they become like wolves among sheep. Trust is a vital tool in the kit of any good conman. I hope that this puts a real world perspective on this situation and keeps good and honest Nikonians from being victims.

  

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nht1637a Registered since 21st Mar 2008Wed 04-Feb-09 06:25 PM
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#25. "RE: Question about receiving payment"
In response to Reply # 19


Ballwin, US
          


I would totally agree with you. Very good point.

>I would like to add a few comments regarding this thread from
>a law enforcement perspective. If you pay for an item with
>checks or money orders with the assumption that you will
>receive the item, you are making a huge mistake. What you are
>doing is very much like placing your money on the tables in
>Las Vegas and taking your chance. The odds are against you and
>sooner or later you will lose. That being said, PayPal is
>really only useful if you follow a specific procedure. Never,
>and I mean never use your bank account to make the payment.
>Use PayPal only as a means to use your credit card. It will be
>far simpler and far more likely to succeed if you are dealing
>with your own credit card company. A charge back will be
>initiated which will require PayPal to go after the seller.
>This will let you avoid lengthy battles with PayPal and the
>bizarre hoops that they try to make you jump through for their
>"protection."
>Finally, at no time leave a balance in a PayPal account. They
>can and will freeze and hold your money for the flimsiest of
>reasons. If these suggestions are followed, you can make
>PayPal work for you.
>Finally, there were several references to Nikonians trusting
>each other. The more trust that exists, the happier conmen
>are; they become like wolves among sheep. Trust is a vital
>tool in the kit of any good conman. I hope that this puts a
>real world perspective on this situation and keeps good and
>honest Nikonians from being victims.

  

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TomCurious Registered since 03rd Jan 2007Wed 04-Feb-09 05:09 PM
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#20. "RE: Question about receiving payment"
In response to Reply # 0


Bay Area, US
          

I do use paypal because it is convenient and often expected by buyers/sellers. But I do not trust them at all and would rather avoid it if there were other practical options. It's time google gets their payment system into shape.

Tom
Bay Area Nikonian


http://www.tkphoto.me/

  

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ttoolan Silver Member Nikonian since 29th Aug 2007Wed 04-Feb-09 05:20 PM
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#21. "RE: Question about receiving payment"
In response to Reply # 20


Sacramento, US
          

You have a good point there. Is anybody out there listening? I think people would abandon paypal in droves if there was a viable alternative.

Tom
D3, D200, D70, F6, F3/T, F2AS

"The Gods have two ways of dealing harshly with us. The first is to deny us our dreams. The second is to grant them."
Irish playwright Oscar Wilde

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Iceman15613 Silver Member Nikonian since 30th Oct 2005Wed 04-Feb-09 05:26 PM
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#22. "RE: Question about receiving payment"
In response to Reply # 20


Apollo, US
          

>I do use paypal because it is convenient and often expected
>by buyers/sellers. But I do not trust them at all and would
>rather avoid it if there were other practical options. It's
>time google gets their payment system into shape.

An alternative would be great. It will first be necessary to modify the monopoly which E-by is creating with PayPal.

  

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LostRebel Registered since 11th Jun 2008Wed 04-Feb-09 06:00 PM
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#23. "RE: Question about receiving payment"
In response to Reply # 22


US
          

Tom and Tom and Robert...I happen to agree. I, for one, would at least definitely be interested in exploring alternatives. Thank you for the observation(s). Jim

  

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TomCurious Registered since 03rd Jan 2007Wed 04-Feb-09 07:51 PM
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#26. "RE: Question about receiving payment"
In response to Reply # 23


Bay Area, US
          

My paypal account will end at some point anyway. I do not trust them enough to provide them with my bank account or open a credit card etc so I am still an "unverified" user even after more than 5 years of use. They placed some limits on my account to compell me to "get verified". Once these limits are up, I'm done with paypal, no matter if I want to or not.

Tom
Bay Area Nikonian


http://www.tkphoto.me/

  

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Voodoo Registered since 29th Apr 2006Wed 04-Feb-09 08:37 PM
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#27. "RE: Question about receiving payment"
In response to Reply # 0


US
          

I have bought and sold with paypal for the last several years. maybe close to 1000 transactions...

I am happy with verified users only that is.

Thanks for sharing,

Jeff

  

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BCinDC Registered since 01st Nov 2007Thu 05-Feb-09 06:54 AM
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#29. "RE: Question about receiving payment"
In response to Reply # 0


Sterling, US
          

I have paid for numerous transactions (based on my eBay feedback, about 100) with Paypal over the past 7-8 years and my experiences have been excellent. Last year, I purchased a $1,000 item from a Seller who indisputably misrepresented its quality (I had contacted him prior to the auction and asked very specific questions). When I received the item in the misrepresented condition, and my contacts with the Seller led nowhere (basically his reponse was, "tough luck", and stopped communicating) I filed a claim with Paypal for an item being "substantially not as described" (or something to that effect). Within about a week, Paypal issued me a credit that more than covered my cost and I received an apologetic message from the previously recalcitrant seller.

BTW, I don't have, nor have I ever had, a Paypal credit card, and I always pay with a credit card rather than from my checking account. Paypal does require an extra step to pay with a credit card rather than by checking account, but it only takes about 5 seconds to do this (the biggest pain is remembering to change the method). This give me two levels of protection (Paypal and my credit card...and I get a % reward rebate on the CC )

I realize that some have had bad online experiences, including Paypal, however, credit/identity theft happens both on and offline. Anytime you give your credit card or its number to someone, or pay for something with a check, you risk such fraud. Avoiding online transactions really doesn't avoid the problem. I have twice had my credit card numbers stolen - once definitely NOT online, the other I'm not sure. The only way to really mitigate such problems is to monitor activity on your accounts frequently (I do so online at least every few days) and immediately report any problems.

Bob

"Something really clever or profound should go here...I have nothing "
www.CrosserPhotography.com

  

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PaulBennett Registered since 09th May 2008Thu 05-Feb-09 09:47 AM
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#30. "RE: Question about receiving payment"
In response to Reply # 29
Fri 06-Feb-09 12:48 AM by PaulBennett

US
          

SECRETS TO PAYPAL SUCESS
My Resume) I was there day 1 as a buyer AND seller, wrote the first bulk selling software for eBay and learned all major lessons the hard way, and developed strict rules for sweet uneventful transactions.
Communication) Even before the auction ends, use email to establish a relationship with the other party. Ask a simple question even one you know the answer to, just to break the ice and get subtle bits and pieces of behavioral information for judging moral character - how quick do they reply, are answers cryptic or thorough? Sight unseen judge them by vibe. Sometimes you quit right here. Become adept at judging them from the item description, is English their first language, are they bending over backwards to furnish details about tiny flaws. Many give reasons why the sell and item, does it make sense? Harder for the seller to establish talk channel but not impossible.
As Is and Surprise Flaws)To me, 'As Is' means the item is broken. Sellers use this to avoid returns and offer excuses like 'I don't have a cord to check it out'. If I want an item badly, I will ask them and rethink my judgment but it is a complete deal breaker for me. Avoid buyers remorse, don't blame a seller when you have been warned. When selling if you disclose even the tiniest flaw, buyers will have better regard thinking 'oh that not so bad' and are much less likely to return an item or back out and file a dispute with PayPal.
Paypal)Double check that a seller does indeed do take PayPal or if you are seller, place the word PayPal in several places in your description to avoid any risk of bad paper.
Feedback)Examine any negative feedback reasons given, are they real or bogus. given the choice do NOT use power sellers. Their entire business is built on a computer program and they have no personal connection or desire to deal with anyone...they want their program to handle everything and if anything goes wrong they don't want to help you, they want the trouble to disappear. Wrong attitude to resolve issues. Feedback under 99% FORGET THEM. Circumstances better be extraordinary to use a 98.9% seller or a seller with only 4 prior transactions. I send them an extra mail asking them to explain their low feedback. As a seller you can checkout bidders before the auction ends and might consider rejecting bids from lo feedback buyers. Ask them to explain why it's low. Do the admit fault or blame the other guy?
PayPal Account Setup)Get a new free checking account at a different bank to be used ONLY for PayPal, deposit $20 to $100 only, if possible an amount just above your normal transactions and use a credit card of YOUR choice. This way your main checking account won't ever get put into a bind and if anyone's credit card coughs, the deposit in the checking account will handle things smoothly.
At the PayPal Website)Get familiar with the PayPal payment methods, called funding options, particularly how to fund payments using credit card. Paypal makes less profit when you use credit card so they do everything legally possible including periodically moving things around, changing button colors etc to get you to use your checking account as a source of money instead of by credit card.
What can still go wrong getting your money)You can get that one-in-a-million crook who will claim the item never arrived, or was damaged or he send it back but didn't. This likelyhood can be lessened by establishing a contact on human level before hand as mentioned earlier, people are less likely to rip of friends than strangers...become a friend, it's possible in 5 words to do so, make the attempt.
Click SLOW)It's happened to me and others that ebay or PayPal moves a button and you hit the wrong one. The only preventions is reading sloooow before clicking PAY. Assuming you exclusively use your credit card, take one last look for 'funding options' which only shows the last 4 numbers of your card or checking account, before clicking 'Pay'. This is you last chance to go back to make that change. PayPals largest expense is the fee they must pay to your credit card company and PayPal does everything legally possible to dissuade or fool you into using the ready cash in your checking account instead by overlooking that choice. Do not be in a hurry at this point.
Getting your money from PayPal)I personally think it's best to leave money at PayPal and spend it on eBay. But you can have it transferred into to your checking account but it can be tied up for 6 weeks. If you transfer money out, PayPal can take it back without notification. It takes several weeks to be assured the money is in fact really yours as the other party has 30 days to file a dispute.
Be patient) If you get bad vibes, back out of the transaction if you can. Another one will come along. If you can't, pray and take what action you can. Like the time I bought a $400 guitar amplifier from an 18 yo kid with 0 feedback who said he could put the tender 50# item in a cardboard box and take it to the post office. I made all the arrangements from 3000 miles away and always checked thereafter against 0 feedback.
Bottom line is gentlemanly courteous communication.



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turbo v6 camaro Registered since 01st Mar 2008Wed 11-Feb-09 09:05 AM
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#31. "RE: Question about receiving payment"
In response to Reply # 30


Belleville, US
          

the only time paypal jack me over was when i bought a phone on e-bay, the phone was DOA and black listed (mean it would never work) how ever the short time frame i was given to get the required information was to short to get an Alltell tech signed off on it.

when i contacted paypal about this they just said sorry that's the rule? I tried to fight it but -$250 for me

so in a sense as the seller you are more protected.

------------------------
Andrew
www.turbov6camaro.com "the money pit"
D300S w/ MB-D10 Grip
18-200VR | 35mm 1.8 DX | 300mm F4 AF-S | 1.7TC | SB-400

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winthrop Silver Member Charter MemberThu 12-Feb-09 01:16 AM
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#32. "RE: Question about receiving payment"
In response to Reply # 29


Thousand Oaks, US
          

I have to chime in here. I've used PayPal quite a bit. I had a bad experience about a year ago after paying for a small item ($25) on a forum I've been a long-time subscriber to. The seller never shipped. I contacted PayPal and got the most frustrating run-around I've ever had. Up until I dealt with Time Warner cable, that is. Ultimately I got my money back, but only because the seller was honest enough to put money back into his account over a month later. PayPal stonewalled me saying there were no funds in the seller's account to reimburse me from.

I will only pay through PayPal via my credit card because I know my credit card company (Amex) will make good on any problems like that.

Now I'm even more ticked off at PayPal because I recently discovered that if you have funds in your account you can not use a credit card to make purchases; you must use the funds in your account balance.

And of course you have to request that they send you any balance in your account; they won't just automatically send you a check.

  

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Iceman15613 Silver Member Nikonian since 30th Oct 2005Thu 12-Feb-09 01:33 AM
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#33. "RE: Question about receiving payment"
In response to Reply # 32


Apollo, US
          

>
>Now I'm even more ticked off at PayPal because I recently
>discovered that if you have funds in your account you can not
>use a credit card to make purchases; you must use the funds in
>your account balance.
>
>And of course you have to request that they send you any
>balance in your account; they won't just automatically send
>you a check.

See my earlier post. PayPal is out of control. Keep an account just for PayPal, move your money to that account. Use what you need, move any extra to another account. Also notify the credit card company that you use for PayPal that you do not authorize any charges by PayPal against that card without prior transaction approval from you. This notification supersedes any previous authorization. Never buy anything through PayPal without using your credit card. You are absolutely correct. They will stone wall you until you give up. This is from personal experience.

  

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PaulBennett Registered since 09th May 2008Thu 12-Feb-09 07:46 AM
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#34. "RE: Question about receiving payment"
In response to Reply # 32


US
          

>...I recently discovered that if you have funds in your account you
> can not use a credit card to make purchases;
> you must use the funds in your account balance.

Don't know what's the big deal where your money resides, but this wouldn't take but a minute and a few clicks. Transfer money out of paypal into your checking account. Pay for the item with your credit card for funds. Transfer money back from checking account into paypal.
BTDT

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laslo Basic MemberSun 15-Feb-09 12:24 AM
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#35. "RE: Question about receiving payment"
In response to Reply # 34


Bethlehem, US
          

I do not understand what the concern with Paypal debit card is. I am a premier member with a Paypal debit card. I usually do not keep any money in my acccount. I only sell things and when I receive the payment via Paypal, I withdraw it immediately with the debit card and of course ship the item to the buyer, insured and signature required. So where is my risk as a seller?


Laslo
http://www.digitalexpressionsphotography.com

  

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Iceman15613 Silver Member Nikonian since 30th Oct 2005Sun 15-Feb-09 01:16 AM
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#36. "RE: Question about receiving payment"
In response to Reply # 35


Apollo, US
          

>I do not understand what the concern with Paypal debit card
>is. I am a premier member with a Paypal debit card. I
>usually do not keep any money in my acccount. I only sell
>things and when I receive the payment via Paypal, I withdraw
>it immediately with the debit card and of course ship the item
>to the buyer, insured and signature required. So where is my
>risk as a seller?
>
>
>Laslo
>http://www.digitalexpressionsphotography.com

If the buyer files any type of complaint whether or not it is legitimate or not, PayPal takes the money back from your account. If it is not in the account, they take it from your credit card or your certified bank account, which you have given them to become a premier member. I repeat, they take your money. That is the risk.

  

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