| Author | Content |
dave
Jacksonville, TX
(Zone 8a)
 February 06, 2008
08:24 PM Post #4504670
| On ebay you specify what kind of payments you're willing to accept, and usually that's just PayPal.
How would we want to handle that on a DG auction system? |
Mainiac
Cape Elizabeth, ME
(Zone 5B)
February 06, 2008
08:29 PM Post #4504691
| I have sold on auctions before. Ebay is nice but it is sooo expensive. They have all the widgets, but it gets to the point you don't make much money. I prefer, and use Mike Longo's Lily Auction http://66.70.38.191/cgi-bin/auction.cgi
You are given choice when listing. Many people prefer to pay by check or money order. I think that's important. |
threegardeners
North Augusta, ON
(Zone 5a)
February 06, 2008
08:31 PM Post #4504708
| Those of us who have cut up our credit cards can only use paypal. I, personally, prefer this method. Checks take forever to clear and paypal links directly to my bank account and withdraws immediately, like a debit card.
I vote paypal be a must have. |
maggidew
(Maggi) Big Sandy, TX
(Zone 8a)
February 06, 2008
08:37 PM Post #4504728
| PayPal has been fine in the past.
PayPal fees are also going to increase and that can be a problem for some sellers.
I would prefer the option of 1) PayPal and 2) check or money order.
I have not found any other payment site such as PayPal that lets you use your bank account. If there is one out there that is secure I would use it, as we too have cut up the credit cards! |
grrrnthumb
Marysville, WA
(Zone 8a)
February 06, 2008
08:39 PM Post #4504750
| Don't I remember seeing 2 or 3 Paypal competitors recently? I'm sure you could strike a deal with one of them so you can allow visa transactions and also stored savings in their system like Paypal. |
Marylyn_TX
Houston, TX
(Zone 9a)
February 06, 2008
08:53 PM Post #4504846
| I haven't had any trouble with PayPal. When we sell stuff on eBay, we also accept postal money orders. Checks and other money orders are too uncertain/easy to fake for us, but that's just our personal preference. :-) |
gordo
Gulfport, FL
(Zone 9b)
February 06, 2008
08:56 PM Post #4504861
| Payment feature should include: Personal check, money order (preferred - less trouble), credit card, Paypal.
As I mentioned in the other post, the form should be able to tally sold items, add tax, shipping, total the entire order and send a copy to both the buyer and seller. Pretty basic stuff. |
flowerjunkie
Cypress, TX
(Zone 9a)
February 06, 2008
09:12 PM Post #4504958
| You do have to include Personal check, money order, credit card, Paypal. Some of my eBay customers refuse to sign up with PayPal because they don't want to put out thier banking/cc/ information.
|
pixie62560
South China, ME
(Zone 5a)
February 06, 2008
09:27 PM Post #4505027
| I've used paypal for 7 years and have never had a problem. I actually prefer to buy from a seller who takes paypal as I like to pay for my purchases immediately. Just my opinion as a buyer. |
grrrnthumb
Marysville, WA
(Zone 8a)
February 06, 2008
09:40 PM Post #4505088
| I thought Paypal was owned by the same people as Ebay? I can't imagine they would give a decent deal to a direct competitor. |
gordo
Gulfport, FL
(Zone 9b)
February 06, 2008
09:48 PM Post #4505117
| Dave's an astute fellow...he'll find a secure processing venue. |
Robynznest
Stoutland, MO
(Zone 6b)
February 06, 2008
09:53 PM Post #4505142
| Instead of money order a cashiers check is preferred and they can be traced in a matter of hours compared to a matter of weeks or months with money orders. Plus the added insurance of them being a bank check and harder to duplicate. |
podster
Deep East Texas, TX
(Zone 8a)
February 06, 2008
09:53 PM Post #4505143
| Yup, PP has been taken over by EB...
I set my PP account to draft my checking acct. Spouse has a PP account to charge a credit card. PP wants me to float another CC number and I am refusing. They will NOT accept the same CC my husband uses and I won't give them another. As a result, they try to block when I pay via PP.
As an EB seller, I have found things sell better if people can take PP. I never took personal checks but did take money orders and would occasionally be surprised to receive cash.
I also took BidPay ~ don't know if they are still around... anyone? |
Marylyn_TX
Houston, TX
(Zone 9a)
February 06, 2008
09:58 PM Post #4505164
| PayPal is owned by eBay, but they have no problem with taking their cut of money from anywhere else. :-) Lots of sites use them in their checkouts, so I'm sure Dave would have no trouble getting that set up.
I think BidPay is back... I don't know anything about them, though.
Never mind, I just looked them up, and it looks like they are gone again.
This message was edited Feb 6, 2008 8:00 PM |
dave
Jacksonville, TX
(Zone 8a)
February 06, 2008
10:06 PM Post #4505199
| I'm more interested in knowing the details of how these things would work.
In the case of money orders and checks, how does that work? It's been years since I sold anything on ebay and I used paypal only for those few sales.
For credit cards: does ebay actually accept the credit card? How does the money get from ebay to your bank account? I can't imagine that we'll have something like that setup here. I don't want sellers' money flowing through ME or DG... |
gordo
Gulfport, FL
(Zone 9b)
February 06, 2008
10:14 PM Post #4505238
| My experience with money orders: Buyers send a money order to my address after they receive their bill. Never had a hitch.
eBay processes and transfers buying information to the seller and the customer. The customer selects the pay button on their invoice, which takes them to Paypal where they log in and select their preferred method of payment. The payment is either extracted from their Paypal funds or funneled through to their Credit card company (their credit card info is stored at the Paypal site). When the transaction is complete, both the seller and buyer receive confirmation. |
distantkin
Saint Cloud, MN
(Zone 4b)
February 06, 2008
10:18 PM Post #4505258
| I like the Paypal idea myself...I see many sites using it including game sites like Pogo.
That way I can just take the money right out of my account and I don't have to worry about it getting lost in the mail, or gredit cars numbers and expiration dates etc.
Just my 2 cents worth
Waving to Princess Tammy |
grrrnthumb
Marysville, WA
(Zone 8a)
February 06, 2008
10:20 PM Post #4505268
| Dave it's set up so any buyer can pay any seller any way that the seller lists as an approved method in his auction, usually a short list like Money order, Cashiers check, and Paypal. Ebay gets involved in none of those.
A buyer usually wins when they are offline. So when you get back online, you get a notice that you've won these auctions, with an option to pay now.
If the buyer chooses Paypal from the list of approved methods, then Ebay has some programming arrangement with Paypal to automatically kick the buyer over to Paypal's website, where they can pay with a credit card, direct withdrawl from an approved account, or from stored savings with Paypal (proceeds from your own auctions).
Once you paid at Paypal, if you chose that method, then the cookies kick you back to where you were at Ebay. |
Marylyn_TX
Houston, TX
(Zone 9a)
February 06, 2008
10:23 PM Post #4505276
| Right.. the credit card and ACH (echecks) payments go through PayPal.
Just for a visual, here is what an invoice after the sale looks like. I crossed out all of the personal stuff.
Click the image for an enlarged view.
|
dave
Jacksonville, TX
(Zone 8a)
February 06, 2008
10:32 PM Post #4505345
| Okay, with credit cards and ACH going through PayPal, that's no problem. I can program that very easily and hook it up directly into the auction system.
Checks: the seller would then have to come to the auction site and click on a box that said he received the check, thus triggering the system that the payment was made.
But what if the buyer doesn't send the check?
Or what if the seller receives the check but never comes back and marks the auction as "paid"? What if the cash the check and then quietly disappear? |
ZZsBabiez
Lodi, CA
(Zone 9b)
February 06, 2008
10:40 PM Post #4505400
| There really isn't much call for a merchant account outside of PayPal. I sold on ebay for years and my website, and I used PayPal's free shopping cart or links in my own invoices.
I used ProPay for credit cards outside of PayPal and it ended up totally not worth it after I closed my website.
Especially now that PayPal has "Virtual Terminal" so you can accept a credit card by phone!
The invoicing feature is gonna be a bit tricky.
You can see the Merchant Services when you log into PayPal.
|
AYankeeCat
Fairfield County, CT
(Zone 6b)
February 06, 2008
10:42 PM Post #4505408
| The seller never has to mark the auction as paid - if the payment is through PayPal - the payment marks the auction as paid and sends a message to the seller. eBay sellers do cash checks and disappear and in the early days there was no recourse for the buyer. That may have changed with eBay requiring a CC to get a USERID - I don't know. If the auction was paid for through PayPal - I think the buyer can get a refund from PayPal. If the seller is never paid, they have to fill out forms on eBay to get a refund of the fees they pay to eBay for hosting the auction. eBay just raised their fees by about 2% on the sale price. They lowered the initial cost to list an auction - but get it in the end. My sister who makes a living selling toys over the 'net figures that eBay and PayPal fees come to 15% of the selling price.
|
Marylyn_TX
Houston, TX
(Zone 9a)
February 06, 2008
10:42 PM Post #4505409
| The unpleasant realities rise up... Of course neither of those happen 99.8% of the time, even on eBay. But they will happen. So there has to be an accountability system set up. Feedback is part of that. Also eBay has a process you go through to deal with disputes - which include non-paying buyers and non-shipping sellers. |
ZZsBabiez
Lodi, CA
(Zone 9b)
February 06, 2008
10:43 PM Post #4505411
| That's the chance you take when you accept checks! I have had a couple of $15. checks bounce.. I still had to pay for the auction, and the bounced check charge from my bank.. I was out the merchandise and money!
No way would I accept checks again.
|
maggidew
(Maggi) Big Sandy, TX
(Zone 8a)
February 06, 2008
10:53 PM Post #4505454
| If the check is cashed by the seller it shows up at the issuing bank (the buyer's bank, I would hope). The buyer would then be aware that indeed the seller cashed the check. I am not sure where one could go from there, other than to the local law enforcement that covers the address the buyer sent the payment to.
In all the years we sold birds and accepted checks as payment the only one that was never made good was from a 'big time' horse breeder whose face turned red every time he saw us at Canton after that.
So far we have not received a counterfeit money order, but hey, in this day and age anything is possible. If a person can think it up it can be done, one way or the other. |
Marylyn_TX
Houston, TX
(Zone 9a)
February 06, 2008
10:59 PM Post #4505493
| That is, of course, the reason PayPal exists - to be a buffer between the seller and the buyer; whether the payment was made or not is not hearsay. The decision/risk to accept checks and money orders or not lies with the sellers. |
gordo
Gulfport, FL
(Zone 9b)
February 06, 2008
11:10 PM Post #4505538
| I absolutely will not accept a personal check. I make that plain in my ads. Haven't had a complaint in four years. Those who wish not to use PP or credit cards have the money order option. Again, never had a complaint about it. |
dbrooks
Yuma, AZ
February 06, 2008
11:41 PM Post #4505700
| Pay pal or money order is my suggestion, personal checks take too long to receive then process. Pay Pal is instant, and with a MO you know the check is good when you get it, but it still makes transaction longer than Pay Pal.
Davie
|
Terry
Murfreesboro, TN
(Zone 7a)
February 06, 2008
11:43 PM Post #4505708
| But I guess the question is - how (exactly) does the current eBay or Lily Auction process work if the seller chooses to accept a check (or money/postal order)?
As the intermediary, how would Dave know that the transaction was complete, and charge the seller the correct fees? Is it just when the auction ends, the ending price is used to calculate the fees, and the seller is billed? |
Syrumani
San Antonio, TX
(Zone 8b)
February 06, 2008
11:51 PM Post #4505740
| Paypal is also my preference, although I don't care for the fees they made me accept in order to receive credit card payments. Personal checks I will not accept (one bad experience is all it takes!). I do not mind money orders, as long as they are from a post office or a well known bank.
Maybe it could be set up that both the buyer and seller would need to go to the site and mark the item as payment sent-payment received-item sent-item received. If these items were not checked, a notice could go out automatically on a weekly basis until the seller and buyer state the transaction is complete.
Just an idea.
This message was edited Feb 6, 2008 9:53 PM |
dave
Jacksonville, TX
(Zone 8a)
February 06, 2008
11:53 PM Post #4505746
| Yes, thanks Terry, that's exactly my question.
I understand how PayPal works. My question is money orders.
If a buyer pays by money order, how does the seller notify the system that payment was received? |
dave
Jacksonville, TX
(Zone 8a)
February 06, 2008
11:54 PM Post #4505749
|
| Quoted: | | Maybe it could be set up that both the buyer and seller would need to go to the site and mark the item as payment sent-payment received-item sent-item received. If these items were not checked, a notice could go out automatically on a weekly basis until the seller and buyer state the transaction is complete. |
This is a good idea. Is this how ebay works? |
Syrumani
San Antonio, TX
(Zone 8b)
February 07, 2008
12:00 AM Post #4505777
| Not that I've noticed. On the transactions that I do, most of them are paypal - so the item shows as paid. If you print the postage thru paypal, there can be delivery confirmation. As a buyer though, all I ever get is the "the seller has notified the USPS that the item is ready for pickup". Every time I click on the tracking link, it says the same thing - even after the item is delivered. I think ebay counts on the feedback to monitor if payment is sent/received, etc. if a check/money order is used.
This message was edited Feb 6, 2008 10:01 PM
This message was edited Feb 6, 2008 10:01 PM
This message was edited Feb 6, 2008 10:12 PM |
grrrnthumb
Marysville, WA
(Zone 8a)
February 07, 2008
12:17 AM Post #4505863
| On Ebay, they don't really concern themselves too much with completion of payment, they don't want to get involved in the mess.
Instead, they focus on feedback. You can't really receive feedback until you have received the item or received payment, so they have occasional reminders that say 'you need to leave feedback for x items', with a button that says 'leave feedback now'. |
gordo
Gulfport, FL
(Zone 9b)
February 07, 2008
12:23 AM Post #4505888
| Folks...I've been at this 11:00 a.m. and am wiped out. Time to refuel for tomorrow.
Great experience...to be continued. Good night. |
shellabella
West Central, FL
(Zone 9b)
February 07, 2008
12:27 AM Post #4505906
| Yes, on E-Bay the Buyer can mark the payment sent if it is a check or money order.
Since E-Bay charges for the listing and not the completion of the sale they really do not care what happens after that.
The feedback system is used by sellers to give negative feedback to a non paying buyer . The seller really has little recourse other than that.
|
Syrumani
San Antonio, TX
(Zone 8b)
February 07, 2008
12:50 AM Post #4505978
| But ebay does charge for the completion of a sale. They charge their listing fee, then they charge a fee based on the sale price. As a seller, I would not want to risk being charged those fees, then either not be sent payment by check - or have said check bounce, then have to deal with those issues as well. |
shellabella
West Central, FL
(Zone 9b)
February 07, 2008
12:53 AM Post #4505983
| What I meant was they do not charge the vendor/seller based on whether or not they actually recieved the payment right? |
dorothian
Bad Axe, Mich / Flor, FL
(Zone 5a)
February 07, 2008
01:06 AM Post #4506016
| Dave, I've both bought and sold on the LILY AUCTION. I always buy with a personal check and I always accept a personal check. I have never had a problem with gardening people and their checks. The Lily Auction collects a fee for every listing and a percentage of every sale up front. You set up an account before you start to sell and keep it supplied with funds to cover your transactions. If your account foes into a negative balance for a month, you are shut out of the auction site as a seller. It is up to the buyer and seller to make sure payments are made and Lily Auction is not involved. Both parties leave feedback once their part of the transaction is done. If you want to see info about a buyer, you click on the link for his feedback and if you want info on a seller, you just read his feedback. It works very well and ther are very few bad apples in the bunch. |
Marylyn_TX
Houston, TX
(Zone 9a)
February 07, 2008
01:37 AM Post #4506111
| When you sell something on eBay, it shows up on your summary page as being sold. There are little symbols for each item that indicate where in the selling process that item is. There is a symbol for "invoice sent", one for "buyer has requested a final price", one for "payment received", one for "payment pending", one for "package shipped", one for "feedback left" and one for "feedback received." I think that's all... When a buyer pays via PayPal, either with their available PP balance or with their credit card, the "payment received" symbol lights up immediately. If the buyer sends an ACH payment, the "payment pending" symbol is lit. It changes to "payment received" as soon as PayPal processes the transfer (which often takes 5-10 days, depending on how the weekend falls, etc). If the buyer is going to pay with check or money order, they have the option to click a "I will pay later" button on their check-out page, which also lights up the "payment pending" symbol. Most buyers do that... the best buyers e-mail to say that they are sending a money order. Some buyers do nothing, communication-wise, and you are left hanging until the money order shows up. When the money order shows up, the seller can go back to the summary page and click on "payment received" to indicate they have it. It isn't necessary to the process to do that, though.
If you do your mailing through PayPal, which will link you to either the USPS or UPS, the "package shipped" symbol will light up. If you sent it "manually", you can use the pulldown menu to do that, too. The buyer does not see the "package shipped" or the "payment received" symbols on their end... it is just for the seller's bookkeeping.
Does that help? I'm on the back computer, so I can't do screen shots right now, but I can do some in the morning if it will help. :-) I don't actually have anything for sale right now, but I can pull up some old transactions. |
susybell
Vancouver, WA
(Zone 8a)
February 07, 2008
05:09 AM Post #4506305
| What about Google checkout as an option to consider as well? |
podster
Deep East Texas, TX
(Zone 8a)
February 07, 2008
07:31 AM Post #4506372
| Whooo Hooo ~ I didn't know eBay didn't get paid if I didn't get paid. NOT!
They get their money irregardless. Their fees are based on the cost of item posted, percentage of total sale, store rent, fancy ad options, etc. ad nauseum. Their goal is life is to make money. Get the picture? ShellaBella you got it right! |
doccat5
Fredericksburg, VA
(Zone 7b)
February 07, 2008
09:23 AM Post #4506601
| I agree with Susybell. I've had great success with google checkout. I tried to use Paypal for a coop purchase several days ago and cannot get into the system. I've had to change my pw 3 times so far and still nothing. Contacting Paypal for assistance is a nightmare! I'm sending the coop owner a money order. Sheesh, what a pain. |
Marylyn_TX
Houston, TX
(Zone 9a)
February 07, 2008
09:39 AM Post #4506646
| Yes, podster is correct. eBay charges a listing fee based on your initial price plus any listing "options", and as soon as the auction is over they charge a final value fee based on the selling price. If the transaction falls through somehow, you have to go through the dispute process to get your final value fee back.
I haven't tried Google checkout yet, but I've heard good things about it. :-) |
phicks
Lakeland, FL
(Zone 9b)
February 07, 2008
10:49 AM Post #4506840
| I sell on Ebay i take pay pal and Money orders also not every one has pay pal theres also another one Called Storm pay to Paul H |
lakesidecallas
Dandridge, TN
(Zone 6a)
February 07, 2008
12:02 PM Post #4507095
| One nice thing about PayPal is that everyone does have to have a credit card on file with them. Twice last year I bought something off ebay, paid with paypal, and the seller never sent it (or responded to my emails).
PayPal has an easy way to file a complaint, they then contact the seller and the seller has a set amount of time to respond. I got my money back very easily. I didn't have to get it back from the seller, PP did that for me.
When selling, I do say I accept checks but I'd say 95% or higher of my buyers pay with PayPal.
I also use Paypal shopping cart on my website.
|
LariAnn
Miami, FL
(Zone 10a)
February 07, 2008
12:11 PM Post #4507139
| PayPal is the best because the transaction is instant and the seller can often ship the same day as payment is received. With checks and money orders you have to wait to receive them, then you have to wait till they clear, before you can ship. |
cathy4
St. Louis County, MO
(Zone 5a)
February 07, 2008
12:15 PM Post #4507159
| I've sold on ebay for several years, use paypal and money orders with no problems, my listing is clearly marked. If two companies have an item I want and only one takes Paypal, that is the company I use. I have had too many credit card screw-ups to ever give out a card number again.
|
dmj1218
west Houston, TX
(Zone 9a)
February 07, 2008
12:42 PM Post #4507291
| I am not an Ebay seller, but I am a vender. I use PayPal only and it accepts credit cards from people that are not signed up to PayPal without any hassles or any problems. I would not want to accept anything other than PayPal or credit cards--money orders have become the latest problem with people I know in business. |
doccat5
Fredericksburg, VA
(Zone 7b)
February 07, 2008
12:55 PM Post #4507359
| Would you please explain the problem with the money orders? I normally use postal ones so have not had a problem, but this is not the first time I've heard this. |
Marylyn_TX
Houston, TX
(Zone 9a)
February 07, 2008
01:01 PM Post #4507390
| There has been a problem with people counterfeiting/stealing money orders. If you take a regular money order to the bank and they accept it, and then they find out it is not valid for whatever reason, they take the money out of your account (plus any fines) and you are responsible for trying to get the buyer to pay up. It often takes 10+ days for the banks to finish processing money orders, by which time the buyer is long gone.
With a postal money order, if the cashier accepts it, the post office guarantees it. They give you your cash and it's all done. If the money order turns out to be invalid later, the post office (read: the federal government who doesn't take mail fraud lightly) goes after the buyer. |
McGlory
Southeast, NE
(Zone 5a)
February 07, 2008
01:03 PM Post #4507398
| It doesn't matter to me what payments are accepted, as long as good old cash (read Money Orders) are accepted. I hate Paypal's constant e-mails and the fraudulent ones that pretend to be from PP. We quit PayPal sometime ago. I'm willing to wait longer for the MO to get there and to get my item, if the seller is willing to wait a few days to get his or her money with no fees attached.
Bottom line: If the vendor doesn't take a MO, I don't buy. |
doccat5
Fredericksburg, VA
(Zone 7b)
February 07, 2008
01:07 PM Post #4507412
| Ah, I see. Thank you for explaining. I must be far more naive than I thought. Never occurred to me about forging money orders. And yes I know Uncle Sugar has no sense of humor about fraud. Which is a good deal! |
LariAnn
Miami, FL
(Zone 10a)
February 07, 2008
01:08 PM Post #4507421
| Funny, I almost never get a real PayPal email, with the exception being receipts either from purchases or sales I made through them. I do get a lot of fake PP emails, but PP has nothing to do with that. I'm happy to take a postal MO, though. |
gordo
Gulfport, FL
(Zone 9b)
February 07, 2008
01:09 PM Post #4507423
| Sounds like Postal Money Order only is a good idea. Everyone has a Post Office available to them. |
cathy4
St. Louis County, MO
(Zone 5a)
February 07, 2008
01:11 PM Post #4507430
| I was getting fake PP email, but I always report them to spoof@paypal.com. Open the whole message and get the addresses at the top before you forward it, that way PP can shut it down quickly. I rarely get them now. |
McGlory
Southeast, NE
(Zone 5a)
February 07, 2008
01:12 PM Post #4507435
| Since quitting PP, we don't get the fake PP e-mails either. Not sure what the connection is. |
cathy4
St. Louis County, MO
(Zone 5a)
February 07, 2008
01:13 PM Post #4507443
| But some people can't get out easily, and have to depend on the kindness of friends and family to go for them. I'd much rather save those favors for more important rides, like to the doctor. |
schickenlady
Newport, NH
(Zone 5a)
February 07, 2008
01:13 PM Post #4507446
| Paypal does send out an email once in a great while. The last one I got other than an auto email was on dividens that were going to be reported to the IRS. |
dmj1218
west Houston, TX
(Zone 9a)
February 07, 2008
01:14 PM Post #4507451
| ditto what Marylyn says--there has been so many money order problems in the last 5 years that I was advised by friends in the business not to accept them. So I never did.
Its hard to accept USPS money orders and not others. Customers don't understand that.
I never get emails from PayPal either, other than money received related. Quite easy to tell the real from the fraudulent email from Paypal--the real ones always address you by your name and the fraudulent address theirs "dear member". Paypal explains this somewhere on their site. |
gordo
Gulfport, FL
(Zone 9b)
February 07, 2008
01:17 PM Post #4507465
| cathy4 - Individual situations should be discussed with the sellers. I've received cash (don't recommend this, though) in an envelope and completed the sale to the buyer's satisfaction. Good correspondence with customers is essential. It builds trust. |
gordo
Gulfport, FL
(Zone 9b)
February 07, 2008
01:20 PM Post #4507478
| Solving the PayPal fraud problem is simple. Go to your PayPal account, log in and look around for updates and such. If there's nothing there, there nothing to be concerned about. Otherwise, just dump it from your mail. |
lakesidecallas
Dandridge, TN
(Zone 6a)
February 07, 2008
01:24 PM Post #4507501
| I never get fake PP emails, but you can tell them easily- paypal always uses your name, first and last in emails. Fakers dogn't.
McGlory, I'm the opposite of you!
If I have to send a money order for a purchase, I don't purchase- it is a hassle for me to go to the post office and buy one. Plus, it costs additional to buy one, what is it up to, 75cents minimum? So, that's $3 for gas too.
Paypal is so easy because it's so quick. If I have to send a check I often forget, or it takes time to root around for an envelope, a stamp, hike to the mailbox, etc.
As a vendor PP is also easy because you can just click on the payment to make a mailing label (and shipp- I don't have the fancy sticky ones, I just print them on regular paper and tape them to the box. |
McGlory
Southeast, NE
(Zone 5a)
February 07, 2008
01:34 PM Post #4507550
| I wasn't saying PayPal shouldn't be an option. A lot of people use it. I was just stating that I don't buy if a MO isn't a method of payment on an auction. Lakesidecallas is saying they wouldn't buy if MO is the only option. (I think - correct me if I'm wrong.)
To be open to the most buyers, more than one option should be allowed. With a MO, the buyer pays the "extra" fee, the cost of the MO. With PP, the seller pays a fee.
I'm not a seller, but I buy several hundred dollars worth of bulbs and plants every year. I have a lot of space. :-) |
TeresaInCAL
Valley Springs, CA
(Zone 9a)
February 07, 2008
01:43 PM Post #4507597
| As far as rec. payments, I believe it is up to the seller, to notify the buyer (via email) that the payment (check or money order) has been rec. As a seller on ebay, this is what I do. I also take that opportunity to let the buyer know that their box is on it's way, and provide a tracking number, as appropriate. I think it's a matter of good communication.
I also like the Pay Pal thing, but with the new holding for 21 days thing happening, I don't think I'd use that anymore. Who wants to wait 21 days for their money? |
LariAnn
Miami, FL
(Zone 10a)
February 07, 2008
01:44 PM Post #4507604
| I don't doubt that some sellers might overcharge for shipping, but I want to add my $0.02 about it. I ship Rainbow trees and the larger ones require a lot of careful packing to insure that the tree will arrive in good shape even if delivered upside down. I have zero complaints about the condition my trees arrive in.
However, getting that kind of results takes much more time and packing materials, which I have to add a charge for. I explain this to my customers, though, so they know it is not just shipping they are paying for. I even provide a page on my website showing all that is involved in packing a tree for shipment.
Even when I ship small plants, I am anal about making sure the plant will be perfect when it arrives. I can't say that for some shipments I've received (not from DGers, of course!). |
doccat5
Fredericksburg, VA
(Zone 7b)
February 07, 2008
01:47 PM Post #4507610
| Would it be possible to specify postal mo's only in addition to other options? Does that make sense? Since they are probably the "safest" bet around. |
lakesidecallas
Dandridge, TN
(Zone 6a)
February 07, 2008
01:47 PM Post #4507611
| You got it, McGlory, and I agree... several options should be available for payment. A seller can pick which ones they will accept, and the buyer can choose their best option too.
I am a seller, but I spend much more money on buying plants for myself than I make, lol!!
My latest passion is Citrus, those aren't cheap to buy, and the shipping- oh my! But with lemons 58 cents each... I'll try to grow some!
|
angel_tree_baby
Orange Park, FL
(Zone 9a)
February 07, 2008
02:17 PM Post #4507741
| I think everyone should have the option of check, money order, credit card or paypal. This covers more people and they can do what is convenient for them. I like paypal and I have a separate bank account set up just for paypal. I put in what I want to spend and that way if there is ever an issue it will never touch my reg. bank accounts. |
Terry
Murfreesboro, TN
(Zone 7a)
February 07, 2008
02:21 PM Post #4507755
| I think the most important questions to answer are:
1) Which online payment processes should we give to sellers to choose from?
and
2) Exactly how does each of those options work when the auction ends?
Once the payment options are in place, it will be up to each seller to decide which of those payment choices they wish to offer to buyers. |
gordo
Gulfport, FL
(Zone 9b)
February 07, 2008
02:38 PM Post #4507822
| Answer:
Money Order: Customer Sends To Seller. Seller checks "Paid" check box on customer's open invoice. Customer receives confirmation of receipt.
PayPal and Credit card of choice: - Completed sale info is conveyed to PayPal (or third party processing service). PayPal issues customer invoice to customer. Customer hits "Pay Now" button on invoice and is taken to PayPal where they make their payment selection. Order is processed and approved. Seller and customer receive notice of completed sale. Seller checks " Paid" on open invoice.
It would be helpful if the Seller could also enter the date of payment receipt. |
KaperC
No. San Diego Co., CA
(Zone 10b)
February 07, 2008
02:40 PM Post #4507829
| Speaking for myself, I wouldn't bother if I had to go buy a money order.
Personal check.
Credit card.
I guess PayPal, although I use it only when required and it is linked to my cc, NOT to my bank account.
Recently I used a check-out service connected to my Amazon.com account and it worked great - lightning fast and smooth.
Sorry I can't supply details about how they work or the fees involved - not being a seller of anything - just expressing my opinion about what choices should be available.
Thanks again to Dave for soliciting opinions of DGers. I have a lot of faith that you will make sensible choices and it will be a great addition to DG.
This message was edited Feb 7, 2008 10:42 AM |
paulgrow
Allen Park, MI
(Zone 6a)
February 07, 2008
04:20 PM Post #4508220
| We do a lot of Ebay.
The only way I sell is with Paypal payments, it safe and its easy.
Paul
This message was edited Feb 7, 2008 3:21 PM |
gone2seed
Milton, FL
(Zone 8a)
February 07, 2008
06:14 PM Post #4508673
| Dave asks..."If a buyer pays by money order, how does the seller notify the system that payment was received?"
They don't.Ebay assumes the transaction will complete once there is an auction winner.This applies to check,mo,cashiers ck or cash.It's up to the seller to notify Ebay if they have a non paying bidder.This works because Ebay bills the sellers periodically,usually monthly.sometimes more often if the amounts are getting high.In my case,I have it set for them to draft Paypal for my fees. |
Tntigger
Greeneville, TN
(Zone 6b)
February 07, 2008
06:29 PM Post #4508729
| On ebay I am set up to take any form of payment. I have recieved hundreds of personal checks myself and only had one bad check.The amount of the check was less than 10.00. |
stumpenursery
Florence, AL
February 07, 2008
07:34 PM Post #4509080
| I think the choice should be the customers, but I perfer PayPal. I have this set up on my website, it just gives the customers the option to do what is comfortable to them. Because you want the repeat business, give a option. |
maggidew
(Maggi) Big Sandy, TX
(Zone 8a)
February 07, 2008
07:43 PM Post #4509122
| Credit cards: we don't use them and I will not set up any system of my own to accept them. I realize that many people are enamored of credit and I cannot tell them how to conduct their financial affairs, but I will not pay fees to credit card issuers in order to accept credit cards from customers.
Credit card issuers are the unregulated piranhas in our economic system and I will avoid credit cards whenever possible.
I would prefer a secure payment system other than PayPal that allows drafting funds from a bank account, without the additional requirement of a credit card. This applies to taking payments from customers as well as any payments I may make as a seller to any potential auction/sales site; payments for fees, membership, etc.
I have never had a problem with funds being absconded from my bank accounts and I use them to pay bills online and to make purchases online. (Have done so for years now) Banking and other financial institutions have myriad security measures in place that work extremely well to safeguard account holders' funds.
There are all sorts of true stories, urban legends and myths that circulate about bank account scams, but in all cases that I have seen it is the account holder who succumbs to greed and gives information that makes the loss of funds possible.
I am pretty much a cash-and-carry person and I consider money orders and personal checks to be the same as cash. I do wait for personal checks to clear before shipping merchandise, I am not a total Pollyanna.
|
threegardeners
North Augusta, ON
(Zone 5a)
February 07, 2008
07:48 PM Post #4509157
| I keep reading that PayPay requests a credit card. I use them frequently, the funds come from my bank account. They have never asked me for a credit card to back it up. |
carrielamont
Milton, MA
(Zone 6a)
February 07, 2008
08:59 PM Post #4509446
| If I accidentally bid (and win) for something that doesn't take PP, I'm up a creek. It's extremely difficult for me to leave the house. It happened twice this fall with DD#1. (Both times I was WARNED about being a non-paying bidder.) With one seller I ended up sending a PP payment directly to her email address, and the other i sent cash (carefully wrapped). It was a nightmare. x, Carrie |
LariAnn
Miami, FL
(Zone 10a)
February 07, 2008
09:45 PM Post #4509662
| BTW, I notice some references to "PayPay" and many to "PayPal"; there is a "PayPay" and it is not "PayPal"
Here is PayPay:
http://www.paypay.com/
And here is PayPal:
[HYPERLINK@www.paypal.com]
Notice that PayPal is an https site, while PayPay is plain http.
Just be careful you are sure which one you are referring to.
This message was edited Feb 7, 2008 8:52 PM |
podster
Deep East Texas, TX
(Zone 8a)
February 07, 2008
09:48 PM Post #4509671
| Threegardeners ~ if you are not a "confirmed" Paypal user, some sellers will not accept the Paypal transaction. The only way to be "confirmed" is to provide a credit card number. I don't get it as in our retail business, the use of credit cards costs us a percentage and the check or debit card costs less or is free.
Would there be anyway to do direct bank account transfers? We remit state sales tax in this manner. I have also paid auto and home insurance via a direct checking account transfer. We can also pay our local Rea, satellite, etc in this manner. To the recipient it is like receiving a check but it is verified to have sufficient funds. |
carrielamont
Milton, MA
(Zone 6a)
February 07, 2008
10:02 PM Post #4509734
| I only use https sites; they are encrypted. x, Carrie |
threegardeners
North Augusta, ON
(Zone 5a)
February 07, 2008
11:52 PM Post #4510177
| I am a "confirmed" paypal user. I got that status after i activated my banking account. |
podster
Deep East Texas, TX
(Zone 8a)
February 08, 2008
12:04 AM Post #4510217
| I understood one only to be confirmed with a credit card on file. I shall have to check it out. |
dmj1218
west Houston, TX
(Zone 9a)
February 08, 2008
12:45 AM Post #4510378
| PayPal will confirm without a credit card on file.
One thing kind of bothers me here--I see several people saying "I handle it this way or that way on my website" but yet when I click on their user name; no web site is listed there.
I am a vender--with a website posted on my member page. I would probably use an auction (I have used the classified's before); but not unless payment was made in a way I find secure for me (PayPal or credit card through PayPal). I know I would not participate if forced to accept checks or money orders--those costs are just too high for me if they bounce or are fraudulent.
Now this is just my opinion--and I know everyone has one.
Debbie |
gordo
Gulfport, FL
(Zone 9b)
February 08, 2008
12:55 AM Post #4510410
| I think we've chewed this food long enough to establish that individuals should be able to pay in whatever manner the seller will accept.
When a seller opens his account with Dave's Action, they may select their preferred, acceptable methods of payment. The buyer may then select which best suits them. Same as in a real-world selling situation.
This is standard, accepted business behavior. |
KaperC
No. San Diego Co., CA
(Zone 10b)
February 08, 2008
01:05 AM Post #4510455
| What Gordo said. :-) |
Marylyn_TX
Houston, TX
(Zone 9a)
February 08, 2008
01:17 AM Post #4510501
|
| Quoted: | | One thing kind of bothers me here--I see several people saying "I handle it this way or that way on my website" but yet when I click on their user name; no web site is listed there. |
We (my husband and I) are trading assistants on eBay. We sell stuff for friends. It has rarely been garden-related and isn't consistent - I don't have anything up for sale at all right now, but probably will next week. I never even considered putting a link to our eBay "About Me" page on my info page here because it doesn't seem relevant to anything I do in here. You, on the other hand, are selling plants and etc, which is HIGHLY relevant to DG, so it makes total sense for you to have a link to your site (which I need to check out!) here. :-) Does that make sense, Debbie? |
dmj1218
west Houston, TX
(Zone 9a)
February 08, 2008
01:26 AM Post #4510532
| yes Marylyn--but it wasn't you I was referring too. Other's who are claiming to sell plants.
I should know better than to state an opinion.
=) |
Marylyn_TX
Houston, TX
(Zone 9a)
February 08, 2008
01:36 AM Post #4510556
| I like your opinions! I need to get you over here some time to tell me what to plant, by the way. But I'll dmail you so I don't take up everyone else's time/bandwidth. :-) |
podster
Deep East Texas, TX
(Zone 8a)
February 08, 2008
01:37 AM Post #4510561
|
| Quoted: | What is a confirmed address?
When a buyer’s credit card billing and shipping addresses are the same.
In some cases, PayPal has examined the buyer’s PayPal account history.
Shipping to an unconfirmed address.
Most unconfirmed addresses are not fraudulent, and sellers don’t usually experience problems with them. When you do ship to an unconfirmed address, PayPal encourages you to be alert and minimize risk by following our Security Tips for Sellers.
How a buyer can confirm an address.
Inform your buyer about how to confirm their address by communicating the following options:
Add a credit card to their PayPal account. PayPal will confirm the credit card billing address (the address where you receive your credit card statement).
Apply for PayPal Buyer Credit. If they're approved, the address on your application will be a confirmed address.
Alternate address confirmation. This process takes several days and is only available for U.S. accounts. To learn more, log in to your PayPal account and visit Alternate Address Confirmation. |
Yes, I see after a fashion they will confirm without a credit card but that is their primary choice.
Threegardeners, how did you do yours without one if I may ask? |
june_nmexico
Albuquerque, NM
(Zone 7a)
February 08, 2008
01:52 AM Post #4510579
| I only use PayPal when buying at auction. We've used it since it first began and have never had a single problem.
|
celestina
Las Vegas, NM
(Zone 5a)
February 08, 2008
11:10 AM Post #4511506
| I use Paypal on ebay because that is what is most easily accepted. That isn't to say that it's the best--just the biggest at this point. I've signed up for google pay since many off ebay sites accept it. Also, Google does not hold the seller's funds for as long as Paypal. The more choices a buyer has to pay, the more likely a sale will occur. Why not accept Google & paypal and let the individual sellers decide if they want to accept either those two. Checks, cashiers checks and money orders should be also be an option set by each idividual sellers, if they want to accept these forms of payment.
I think it's a great idea to have an auction here. |
HaroldS
Glendale, AZ
February 08, 2008
01:02 PM Post #4512026
| PayPal will allow you to register with a credit card only and allow you $2,000 "sending" limit with that card. After that you will need to be "verified" by either giving them access to your bank account or by signing up for their credit card.
I follow the discussions in eBay community, especially PayPal, and there are some eye opening horror stories of PayPal bypassing requests to pay for a purchase from a credit card and going directly to the buyer's bank account, cleaning it out and/or creating multiple overdraft charges from constant attempts to draw out the funds. PayPal calls these glitches. Everything is a glitch to PayPal. With such a highly sophisticated computer system, it ihas to be suspect why PayPal has so many glitches - which always seem to benefit PayPal until corrected. A few pennies here and there on thousands or even millions of actions, does add up.
PayPal really prefers to draw directly from your funds lying idle under their control or directly from your bank account so that they will not have to pay the merchant fees from accepting your credit card. However, PayPal seller fees are predicated on their having to pay those merchant fees, but if the buyer pays from funds on hand at PayPal or via direct bank withdrawal, PayPal does not give the merchant fee savings back to the seller, thus becoming pure gravy to PayPal, which is an incentive for them to discourage credit card sales.
As another poster noted, combined eBay and PayPal charges are around 15%. You have to assume an astute seller would have that fee built into his listing price or included in the "handling" fee. So as a PayPal buyer, you are probably paying those fees. But of course if the item is what you want and at a price you want, that shouldn't matter.
The new eBay rules going into effect soon will cause drastic changes for many sellers. Major is the restriction on sellers being able to leave negative feedback for buyers - however, buyers can still leave negatives for sellers. Of which so many negatives will be used against the seller by PayPal who will "hold" (have use of) your money until the buyer signals that it is satisfied with the transaction. Thus, you will not only not get paid for the item, but will have to ship on your own dime and be at the mercy of the buyer to approve the release of funds to you.
PayPal is not a bank, and does not have to follow any Federal banking laws. Consequently there is no insurance covering any funds you leave with them. .
As a happy mail order seller for over 25 years, (not plants), I have never and will never accept PayPal. They are a law unto themselves for themselves. |
paulgrow
Allen Park, MI
(Zone 6a)
February 08, 2008
01:21 PM Post #4512104
| I/'ve used Paypal for years and have not had a single problem nor has my wife who sells a lot on EBay.
The fees charged by Ebay and PP are a lot less than those charged by local auctioneers.
Paul |
phicks
Lakeland, FL
(Zone 9b)
February 08, 2008
01:25 PM Post #4512114
| I think it should be Set up just like EBay Does More or Less Hey If It Works Why try To Fix It?/ Paul H |
Terry
Murfreesboro, TN
(Zone 7a)
February 08, 2008
01:29 PM Post #4512138
| I think the original question was How - and when - does eBay calculate its commission and receive payment from vendors? And I think that's been more or less answered ;o)
It's also pretty clear that vendors want to be able to choose whether or not to accept credit card, PayPal and checks/money orders, which is reasonable. |
KaperC
No. San Diego Co., CA
(Zone 10b)
February 08, 2008
02:21 PM Post #4512352
|
| Quoted: | | follow the discussions in eBay community, especially PayPal, and there are some eye opening horror stories of PayPal bypassing requests to pay for a purchase from a credit card and going directly to the buyer's bank account |
This is what happened to my us. Once burned, twice shy - I only let them charge to my cc. |
dmj1218
west Houston, TX
(Zone 9a)
February 08, 2008
02:46 PM Post #4512435
| I think its having your PayPal hooked in with ebay that must be the problem. I've never had problems using it to sell on my site. I never have sold thru ebay either though. |
phicks
Lakeland, FL
(Zone 9b)
February 08, 2008
02:53 PM Post #4512468
| ive been selling on e bay a few years useing pay pal ive never had a bit of trouble |
KaperC
No. San Diego Co., CA
(Zone 10b)
February 08, 2008
02:59 PM Post #4512488
| Sorry, I don't understand what you mean by "hooked in." I am an Ebay member, but not a seller. I use PayPal for small purchases there or on other sites (mostly plant related) that don't accept credit cards. I'm sure most people don't have problems or it would not be so widely used, but once is enough when it comes to my bank account. :-) |
GreenThumbsTN
Chattanooga, TN
(Zone 7b)
February 08, 2008
04:34 PM Post #4512780
| Google Checkout?
works similar to paypal but fees are much less. |
Seed_Sprout
Fountain, FL
February 08, 2008
08:26 PM Post #4513473
| I am looking at Google Checkout. A lot less than Paypal and the name is well known.
[HYPERLINK@checkout.google.com] |
terichris
Naples, FL
(Zone 10a)
February 08, 2008
09:52 PM Post #4513804
| I have over 600 transactions on Ebay. I buy & sell. I also have two toddlers. I would much rather be working in my garden than waiting in line to get a money order!!! I do all of my shipping on line & pay all of my auctions with Paypal. Paypal is a must have for me. I use it once a week & have never had a problem with a buyer. A seller gave me a hard time once & paypal took care of it.
I would much rather have my plants ship out quickly! |
june_nmexico
Albuquerque, NM
(Zone 7a)
February 08, 2008
10:13 PM Post #4513932
| PayPal would be a must for me too. I wouldn't want to give all the same personal credit card and banking information to Google when I've already done it once.
|
Seed_Sprout
Fountain, FL
February 08, 2008
10:29 PM Post #4514015
| Google checkout works the same as Paypal
Customers that have a Google Checkout account simply sign in - their payment and shipping information is already stored in their account. If they don't already have a Checkout account, they can create one.
I have been looking but can't find if it works with USPS in figuring the shipping which is a must for me. I can't afford to eat any more postage. |
Marylyn_TX
Houston, TX
(Zone 9a)
February 09, 2008
01:01 AM Post #4514628
| You can figure out your own postage by going to http://postcalc.usps.gov/ |
pensacolagarden
Pensacola, FL
(Zone 8b)
February 09, 2008
09:08 AM Post #4515081
| I vote for paypal also... |
gordo
Gulfport, FL
(Zone 9b)
February 09, 2008
12:24 PM Post #4515779
| At this point in time, and because most sellers have PayPal in place, it would probably be best to stick with the PayPal system. That being said, there may come a future time when Dave is able to arrange for, or actually captain, an in-house payment system tailor made for the new auction format here. All of this takes time, and we should be patient as the system is gradually set up, tweaked and established.
What is happening here is similar to your local hardware store pulling up stakes, lock stock and nuts and bolts and moving across town. All of the established sellers are engaged in a gamble. They're moving from the client base they've established over a long period of time to a location of which many of their customers will be unaware.
Fortunately, the search engines crawl Dave's on a regular basis, so this could be an unseen blessing. For the last few months, I've been tracking eBay traffic on my eBay site. Surprisingly, it was no where near what I thought it was. Fortunately, I've also been paying a small fee for a website tracking service. As it turns out, I have more traffic coming to my site from OUTSIDE sources than I am eBay. It was a very useful reality check.
So, transitioning may not be as frightening a prospect as one might expect. The perception that eBay offers sellers more exposure to a wider customer base is untrue. As I've studied the search engines, I've seen eBay presence (plant-wise) in equal measure to references to Dave's Garden. In other words, sellers should not be worried about loss of exposure. The system for search and find is well established. Try it yourself. Go to Google type in the word "Brugmansia Plant" and see what appears. There is simply more of Dave's than eBay.
The confluence of attributes that have already been established in regard to web presence, the willingness of the membership to participate, the administration's track record for stellar management, a downturned economy, the creative and generous spirit of both potential buyers and sellers, the skill with which this very site was created, all lend themselves to a successful venture. There is no better time for finding a bargain, participating in sales that tend toward enabling members being able to get more bang for their gardening buck.
I've studied the various discussion forums and know there is room for everyone to attempt entrepreneurship. Whether it is beekeeping, canning, plants, woodworking, candlemaking, quiltmaking, needlework, supplies for the horse lovers, pet products, etc.; within each field of interest an opportunity, a good deal, a cottage industry awaits. When the going gets tough...Well, Belushi runs out into the quadrangle. :-)
Creative buying and selling can save money, bring income and allow individuals to continue in their beloved hobbies and pursuits without having to sacrifice them, because money is tight. Those creative pursuits make life worth living and allow for creative energy to flow. A good thing...as old Martha would attest to. Bid collectively behind the scenes for a dozen of something, then split the stuff into six each and pay each other back. Buy something, cut it in two, then give someone one of them for a gift. Buy a quilt from a member in Kansas, instead of one from a department store. Buy toys from a member who is retired and makes wonderful, all wood trucks and cars in his woodshop. Heck, I LOVE those things! And so do children. If you're into car repair or restoration, buy a Studebaker hood ornament from a member, or a set of metric socket wrenches from a widow. There's more to it than commerce.
Above all, continue to have fun with this and keep as open a mind when transacting business as you do when discussing various matters on the forums.
|
lauriwilson
Caistor
United Kingdom
(Zone 8b)
February 09, 2008
12:28 PM Post #4515792
| I vote for paypal too...as we use it exclusively anymore... |
McGlory
Southeast, NE
(Zone 5a)
February 09, 2008
12:32 PM Post #4515806
| Are we definitely excluding an in-house credit card system? If so, why? When I pay my membership to DG every year I use my credit card. There's no way to tap into that system?
It would be less time-consuming for everyone than getting involved with a company that keeps all your personal information. Don't know how it would work on Dave's end though. |
ecrane3
Dublin, CA
(Zone 9a)
February 09, 2008
12:41 PM Post #4515842
| To have an in-house system like what you're talking about, Dave basically would have to reinvent PayPal at the same time he's reinventing Ebay...probably not a small task! The system that's in place now is a system that gives Dave money when people renew their subscriptions. What you're asking for would be anytime anyone buys a plant, the money goes into that same system, but then it has to move from Dave's central account to the seller who sold the plant, so there's the added complexity of re-distributing the funds to the appropriate seller. Not to mention disputes that may come along--my guess is Dave wouldn't want to have to deal with all the headaches that Paypal has to. |
Calif_Sue
San Jose, CA
(Zone 9b)
February 09, 2008
01:21 PM Post #4515963
| The Lily Auction also uses PayPal to pay your fees and works wonderfully. |
slowtornado
Belle Plaine, KS
February 09, 2008
06:54 PM Post #4517111
| I'm glad to see so much good feedback for PP. We dont have it-yet. But it may be easier to convince my guy to get now.
I would be delighted to have an easy, affordable and trust worthy outlet for the things I want to buy and sell.
Lora☺ |
pupilpropogtr
Birmingham, AL
(Zone 7b)
February 09, 2008
10:19 PM Post #4517995
| Seller's choice, buyer's choice. Pretty easy. Some have had good experiences with PP, some nightmares (me included). If you don't accept anything else, my loss. If you do, my gain. I don't think the attributes of PP are the main issue. I believe Dave is trying to find a reasonable way to charge the final fee for sales. If it is not marked as paid (reading between the lines here), Dave doesn't want to take the fee. Seems he is simply trying to figure out how to confirm payment by MO or check so he collect from the vendor, instead of taking the money before the check or MO cleared. Integrity...something Ebay forgot about. |
concretebrunett
Brookeland, TX
(Zone 8b)
February 10, 2008
01:31 AM Post #4518670
| Paypal & Money Orders, definitely |
Lily_love
Central, AL
(Zone 7b)
February 10, 2008
03:14 PM Post #4520185
| I don't often purchase on the internet. I don't have paypal either, and in order to pay additional fees to purchase on DG? I think I'm unlikely to participate.
|
maggidew
(Maggi) Big Sandy, TX
(Zone 8a)
February 10, 2008
10:29 PM Post #4521909
| "pay additional fees to purchase on DG?"
It doesn't cost anything for the buyer to send the money for the item with PayPal.
The seller is the one who gets hit with PayPal fees for taking money for the item sold.
There is another payment method that charges NO fees to either the sender or receiver of money, if both are members. It is:
[HYPERLINK@www.revolutionmoneyexchange.com]
|
JeannineAnne
Coquitlam, BC
February 11, 2008
03:15 PM Post #4524614
| I no longer buy from sellers on e bay that don't take Paypal, it it so easy and I have never had a scarp of bother. It is International which is a big plus
XX Jeannine
This message was edited Feb 11, 2008 3:15 PM |
concretebrunett
Brookeland, TX
(Zone 8b)
February 11, 2008
03:17 PM Post #4524620
| SOOO many companies are using PayPal now because it is so easy and so secure. The more sellers that take PayPal, the less websites your credit card number ends up on. PLUS if you report a phishing email to them, they jump on it expeditiously. |
halo
Citra, FL
February 11, 2008
06:55 PM Post #4525355
| I buy and sell on eBay and use Paypal exclusively. I was able to open up an additional free checking account with my bank, and I use that for my Paypal account. I transfer money into it when I want to buy something, and when I sell something, I transfer my Paypal funds into that account, and then take them out. That way my accounts are safe. I don't keep more than $5 in that account, unless Ive bought something and need to pay for it. Then I transfer funds into that account for Paypal to draw from. I do not use a credit card with my Paypal account. |
Antoinine
Mayfield Heights, OH
(Zone 5b)
February 12, 2008
01:42 PM Post #4528638
| When dealing with low dollar amounts PP fees can be costly to the seller and can make the transition not worth his time.
Money orders/cashier's checks and communication between buyer and seller gets my vote. |
gordo
Gulfport, FL
(Zone 9b)
February 12, 2008
02:38 PM Post #4528854
| As the PayPal model is in place and the greater number use the service, it would probably be best to use it at the outset. If you desire alternate methods for payment, state them in your ad.
Perhaps, in time, Dave will figure a way to make it an in-house situation, but you're talking about an awful lot of work.
Let's not load him down too much at this juncture. |
pupilpropogtr
Birmingham, AL
(Zone 7b)
February 12, 2008
02:46 PM Post #4528890
| I think one of the main points that Dave is trying to establish is how to charge fees on MO's and Checks. How to show they have cleared.
"I think the original question was How - and when - does eBay calculate its commission and receive payment from vendors? And I think that's been more or less answered ;o)
It's also pretty clear that vendors want to be able to choose whether or not to accept credit card, PayPal and checks/money orders, which is reasonable.
Terry
There are several websites that discuss the virtures or non on the internet. The main goal, it appears is to charge the vendor in a fair way with confirmation. My 2 cents again.
Darn blue box isn't working. |
GreenThumbsTN
Chattanooga, TN
(Zone 7b)
February 12, 2008
05:42 PM Post #4529557
| i wonder if it may just not be easier for dave to have a monthly fee...say $10.00 and a seller can list 50/100/whatever auctions for that fee.
this would eliminate having to have a major accounting nightmare and also would keep sellers (as it's happening on some auction sites) from spamming a category with 50 identical listings.
as for the buyer paying the seller, i'd think whatever is acceptable to the both parties should work. paypal is owned by ebay (for those who didn't know that yet) and for that reason, ebay disallows other (google checkout etc) payment services. google checkout is easy to use and works very similar to paypal for both payees and payment recipients.
as for making it work, it requires an API callback UrRL that dave would need to set up somewhere on a secure section of the server. it says this on the google site:
API callback URL: Specify a URL for Google to notify you of new orders and changes in order state. You must provide the URL of a server running 128-bit SSLv3 or TLS.
callback method: xml or html option available via a radio button
this is the link to google checkout developers guide:
http://code.google.com/apis/checkout
i don't know how useful/helpful any of this really is, maybe dave can have a look at these details to see whether GC could be integrated and be an option for sellers.
i do know that on some sites (ecrater) one just clicks a radio button selecting GC and enters one's merchant ID and merchant key. |
gordo
Gulfport, FL
(Zone 9b)
February 12, 2008
08:55 PM Post #4530510
| Generally, when I accept a money order for payment, I wait until I receive the M.O., then leave feedback. It let's the customer know, I've received payment and have started the shipping process. Haven't been stiffed yet, but if I were, I would still have recourse for recovering any fees incurred by filing an unpaid order complaint with eBay.
As much as I am unhappy with eBay and their interconnection with Paypal, payment through Paypal has become an accepted and widespread method for payment. Sellers and buyers alike would need to retool their business and personal information, and I think that is something most are unwilling to do during the transition.
If the Paypal system is retained at the outset, it will be less of a job getting the site up and running. We're all used to using it, and the learning curve will be significantly diminished as we study and us the mechanics of the auction itself. |
gessiegail
Taft, TX
(Zone 9a)
February 12, 2008
09:31 PM Post #4530720
| I hate to make it hard for buyers but I will only take Paypal as when I posted my only sale on Classified ads, I found checks, money and money orders for weeks laying around the house. I don't have the time to worry with all that if I am going to grow. |
marea
Albany, OR
(Zone 8a)
February 13, 2008
06:12 PM Post #4534626
| I agree with Gordo. PayPal has been an easy, safe option for me that millions know how to use - so I'm GLAD that the auction will use it initially.
My vote is allow sellers to accept whatever forms of payment they are comfortable with.
Many of my eBay buyers send personal checks (because of fear of PayPal?) and I've had no bounced checks in 6+ years so I'm comfy offering that option, too... |
Lastelf
Baltimore, MD
(Zone 7a)
February 13, 2008
06:41 PM Post #4534730
| More people use paypal online than any other payment method.
Personally, I don't want to set up another kind of account. Whatever is accepted, paypal needs to be one choice.
Checks, money orders, etc, are all well and good, but I don't even own a check book any longer, and I'm certainly not going to get in my car to drive to a money order. If I wanted to get into my car, I'd go to a nursery. :)
I do everything electronically. I need an electronic method.
Blessings,
Elf |
dmj1218
west Houston, TX
(Zone 9a)
February 13, 2008
11:31 PM Post #4535772
| Paypal also accepts mastercard and visa--without the customer having to open a PayPal account. Actually, more of my customers use PayPal to make credit card payments than actually use Paypal.
Just my opinion here. |
brical1
brisbane
Australia
February 13, 2008
11:35 PM Post #4535792
| Speaking as someone from outside the usa...paypal to me is the way to go..all my international purchases are paid this way..it's safe, quick& efficient |
HaroldS
Glendale, AZ
February 13, 2008
11:59 PM Post #4535870
| [Paypal also accepts mastercard and visa--without the customer having to open a PayPal account. Actually, more of my customers use PayPal to make credit card payments than actually use Paypal./]
But paying with just your credit card, they limit your "sending" amount to $2,000. Once you reach that amount in charges to your credit card thru PayPal, they will insist you become "verified" by providing them access to your bank account or by signing up for a PayPal credit card - which does not give points as many cards do. .
|
dmj1218
west Houston, TX
(Zone 9a)
February 14, 2008
12:06 AM Post #4535903
| I do a lot of business in the Ukraine and other parts of the former soviet union in seeds--they appreciate the fact that they can use mastercard and visa thru PayPal--and they have done over that amount in business over the last 2 years. Perhaps there is a time frame for that $2000.00. |
ecrane3
Dublin, CA
(Zone 9a)
February 14, 2008
12:13 AM Post #4535928
| Or maybe they gave them a bank account number. I think if you've got a bank account on file with them then they're not as picky. |
dmj1218
west Houston, TX
(Zone 9a)
February 14, 2008
12:28 AM Post #4536001
| They give no bank account info; but you are right, they aren't that picky because they make the money off me, not them. =) |
RatherBDigging
Akron, PA
(Zone 6b)
February 15, 2008
09:35 PM Post #4544198
| Dear Dave:
Short-term...to get the system up and running sooner, it may be needed to at least include PayPal now, along with the other payment forms accepted by the seller.
Long-term: As was suggested, to create your own system could certainly be looked at as a goal, like "as you grow"... It's certainly a possibility. Another idea would be to buddy up with another system of transferring monies. You would not have to reinvent anything. Room down the road for a merger one-day or you could buy them (Like Ebay and PayPal).
If this system could one day compete with Ebay, you don't want to use a company of the competition on long-term basis. Just thinking in business terms...
RatherB |
HaroldS
Glendale, AZ
February 15, 2008
11:58 PM Post #4544768
| Good idea. PayPal with their fixation for accessing your bank account has turned off many people. And their complete immunity from banking oversight is frightening. |
rebecca30
Cary, NC
(Zone 7b)
February 16, 2008
10:25 PM Post #4548594
| I vote: paypal, check/money order, credit card
Personally I don't use paypal or creditcard. I prefer to send money orders or check if I have to. Make the options just like that... options. :o)
rebecca30 |
bellieg
Virginia Beach, VA
February 17, 2008
10:24 PM Post #4552783
| I too sell on Ebay and only accept paypal and Money order. Both seller and buyer must be registerd/ /cleared by paypal to use the system. A buyer can not use paypal if you had not gone through the requirements such as a submitting a checking account and a credit card. I do not accept personal checks because it takes too long and time consuming if it bounces. I am very much interested on the fees for DG.Ebay final value fee is going up to 8% and it is too much for me. I am not a big ebayer yet. Bellieg |
ecrane3
Dublin, CA
(Zone 9a)
February 17, 2008
10:39 PM Post #4552847
| I think Dave posted the proposed fees in the "what should the fees be" thread. |
Dirus
Tucson, AZ
(Zone 9b)
February 17, 2008
10:56 PM Post #4553025
| I just wanted to chime in and say I'm all for Google check out. I've had so much trouble with PayPal, they are hard to work with and are just such a greedy company. |
HaroldS
Glendale, AZ
February 17, 2008
11:56 PM Post #4553319
|
| Quoted: | | A buyer can not use paypal if you had not gone through the requirements such as a submitting a checking account and a credit card. |
Not exactly correct. A buyer can just submit a credit card and will be given a $2,000 "sending" limit. After that limit is spent and charged on their card, they will then have to submit their bank account OR sign up for a PayPal credit card if they wish to continue using PayPal to pay for winning auctions.
Of course they can submit their bank account from the beginning and be home free, but can then be subject to one of PayPal's famous glitches where they ignore your request to pay by credit card and dip directly into your bank account for the funds. If that happens, I hope you carry enough balance in your account or you'll end up with a stack of overdraft charges as PayPal continually submits for payment. |
gordo
Gulfport, FL
(Zone 9b)
February 18, 2008
11:37 AM Post #4555108
| Harold S...
Absolutely...I use my CC to purchase goods for my business and such. When it went over PP's limit (not my card limit), I was never able to use it for eBay or direct through PP purchases. I was able to use it through outside, independent merchant sites. I too had PayPal charge cards offered ad infinitum...post cutoff.
Why not offer PayPal OR Google checkout? Once folks have the option of exploring both services, back to back, they may decide to switch. I do believe that many of the issues raised recently have individuals more sensitive to their payment handling situation. Should PP decide to implement the 21 day hold across the board, even for non-eBay purchases, the alternative will be just a button push away. :-) |
dmj1218
west Houston, TX
(Zone 9a)
February 18, 2008
11:40 AM Post #4555120
| PayPal doesn't implement a 21 day wait on direct sales off my website--why would that be on here? |
HaroldS
Glendale, AZ
February 18, 2008
12:12 PM Post #4555266
|
| Quoted: | | PayPal doesn't implement a 21 day wait on direct sales off my website--why would that be on here? |
I asked that question before. It really needs to be clarified if all these new rules of their's apply only to eBay (who owns them) or to any auction they service. |
Terry
Murfreesboro, TN
(Zone 7a)
February 18, 2008
12:23 PM Post #4555333
| It does need to be clarified. I think the assumption is this:
a) eBay is (most likely) PayPal's single largest account; and
b) PayPal will be applying a wait period to "certain" eBay purchases
Ergo, it stands to reason if they're headed that direction with their main account, they will probably apply the same procedure to everyone else who would fall under their "cloud of potentially suspect activity" which is outlined in several blogs: http://www.auctionbytes.com/cab/abn/y08/m02/i08/s03 and http://blog.skipmcgrath.com/public/item/196946
So if you're not selling expensive items or hot items like Wii's, you mot likely wouldn't be subject to the delay in releasing funds. (At least that's my take from a casual read-through of the policy and the bloggers excerpts.) |
gordo
Gulfport, FL
(Zone 9b)
February 18, 2008
02:20 PM Post #4555816
| I'm curious...If a seller sells an item and the funds are held up for 21 days, is shipment of the item also delayed for 21 days until payment clears?
Heck of a way to do business... |
gordo
Gulfport, FL
(Zone 9b)
February 18, 2008
03:22 PM Post #4556120
| Just read both articles.
So, another pitch to join the megalopolis. IF you join the PP Money Market Fund, you earn interest on those hung-up-in-the-air funds being held hostage for 21 days. What if you DON'T join PP's MMF? The funds are either: sitting where you CAN'T earn interest if you invested the funds yourself, being shuffled to short term investment by eBay/PP (a great temptation during times of economic downturn), hanging in mid-air.
If I read the articles correctly, sellers send out product on a wing and a prayer. IF the buyer receives it, the funds are released, unless the customer has a complaint. What if the whole thing gets tangled up in negotiation and isn't resolved within the 21 day period? What if the customer is a nut job? Where's the merchandise? Where's the payment? Where's the money?
Business 101:
Customer: I'm hungry. I go to the supermarket looking for eggs. I find them, take them to the checkout and pay. I bring my eggs home, eat a well earned omelet and settle in for some TV watching before bed.
Grocer: I provide eggs for customers. They purchase eggs. I bag them up. They take them home. At the end of the day, I count up the till. The day ends. I go home.
*If the occasional check bounces, I'm stiffed.
eBay/PP 101:
Customer: I'm hungry. I go to eBay looking for eggs. I find them, take them to the checkout and pay. They arrive via Priority Mail in three days. I eat a well earned omelet and settle in for some TV watching before bed.
Grocer: I provide eggs for customers. They purchase eggs. I bag them up. They take them home. My funds are held up for 21 days while the customer (who forgot to leave feedback ) eats the eggs. I can't count up my till. I have to be sure I can round up my customer for feedback. I don't want a PP MMF. My employees need their pay. I have office expenses. I have to pay the guys delivering eggs yet to be sold. On and on...
If its Wiis today, it will be seed packages and hose clamps tomorrow. Give an inch and the nuts and bolts will surely follow. A program of this nature is designed to protect only one party...the one handling the funds. Sellers are assumed suspicious, buyers assumed suspicious. Reminds me of Milosovich...everyone is guilty before being proved innocent, the population is spying on one another, and its hell to live.
What gets me is that Powersellers with astronomical feedback, having garnered a few perks during the fiasco, feel comfortable with the fact that small business owners being crushed by these policies are more or less the inevitable and dispensable victims of a kind of "business friendly fire" situation. - Gee, it sure is a shame the little guys are getting trounced...Oh well, we're in the safe zone. This ethical view is most troubling and lacks vision. To whom will the administrators turn for the shortfall when the expendable "little guys" are gone? The lower selling Power Sellers, perhaps. Or perhaps the anti will be upped - you must sell so-and-so an amount of goods, or have so-and-so an amount of feedback to REMAIN a Powerseller... The possibilities are endless, like roulette, always one more turn.
Needless to say, it is good to see individuals with concern for their fellowmen work toward a solution that benefits all, within reason. Commerce, at least for the short term, is governed according to the prevailing system currently the umbrella under which all reside. The ebb and flow of money, goods, demand and supply are constantly changing. Wisdom is the wetted individual who spies holes in the umbrella and sets out on a quest for his own. |
HaroldS
Glendale, AZ
February 18, 2008
04:04 PM Post #4556307
|
| Quoted: | | ...If a seller sells an item and the funds are held up for 21 days, is shipment of the item also delayed for 21 days until payment clears? |
Of course not. You will be expected to ship on your own dime and HOPE the buyer will be happy and give you a positive feedback. They aren't holding funds waiting for a payment to clear. The funds are already clear via a direct withdrawal or a verified credit card. It is supposedly waiting for the buyer to be happy - during which time PayPal has use of those funds.
As far as PayPal money market funds: Everyone should read the horror stories in PayPal's own community forum. First off there is no federal insurance in PayPal money market or other funds. Secondly some have been restricted in the amount of their own money they can remove at one time - altho they claim this is not so at the moment. But I would imagine somewhere in their fine print they have that power to restrict how much you can withdraw at one time. Thirdly, the infamous PayPal glitches - another one just recently - calculated interest payments wrong - and of course in PayPal's favor. No one can remember any of their glitches ever favoring the member. With I'm sure such a highly sophisticated computer team, they certainly have a LOT of glitches. I have to wonder why anyone would leave any funds at all with PayPal. They might pay a penny or two more in interest on their money market funds, I don't know, but for my hard earned money I would not risk it.
|
starlight1153
Seale, AL
(Zone 8b)
February 18, 2008
06:11 PM Post #4556780
| Just what does Paypal do with those funds it is holding. Are they investign or shufflig them around somewhere? Til these threads I didn't even know paypal did such a thing. If I would have, I would have sent the sellers a money order. Just that it cheaper to send paypal and pay a sellers payp[al fees than it is to buy a postal moneyorder.
Can somebody explain what is a google check-out or how do I go and find it to read up about it. I don't know google checkout only payal. What are the pluses and minuses to google checkout. Do folks stil use paypal with a google checkout? I am totally confused. : )
|
Dutchlady1
Naples, FL
(Zone 10a)
February 18, 2008
06:12 PM Post #4556784
| google checkout is a system similar to paypal; the charges are less; it's nowhere near as widespread YET.
Just look under google. |
mochimo
Banjarbaru
Indonesia
February 19, 2008
06:44 PM Post #4561354
| Hello, i think paypal is more selective, it only serve people who have credit card, and some debit card. For people like me in my country, we dont like to use credit card, it is not popular among us. We are more common with E-gold. Which is provide comfortable and secured transaction, with less transaction fee than Paypal. But still, there is no Egold on Ebay |
plantattraction
Sarasota, FL
February 23, 2008
01:59 AM Post #4576233
| I signed up for Google Checkout, and offer it to all my customers now that so many people are leaving Ebay AND Paypal. They only charge 20cents per transaction plus 2%, AND they put your money right into your bank account. Much better rates then Paypal. I dont get into the Google checkout system YET but I manually can send an invoice to my buyers. Paypal sits on your money, makes interest off of it until you request to transfer it, and that takes 4 days.
Paypal is nice until you have a complaint..My past shows that they always side with the buyer No matter what. The fact that Paypal will not cover you if you do not send the box to a 'Confirmed address' is NOT good business. Someone may want to purchase a plant for a friend or family, and have it sent to them. If for some reason the box is lost, or they lie & say they never got it, even though you have proof shipping to that address, the customers can keep the plant if they really got it, and Paypal will give them FULL refund. Your out the plant, your time, shipping money and so on. Paypal really needs to change that, because everyone has a address on file, whether its confirmed or not, if you proved you sent it there, there should be no questions.
People got sucked into Paypal like they did Ebay, I see more & more sellers & buyers trying to avoid Paypal. Even though I still offer Paypal, I am am trying to get customers to think outside the box. |
gordo
Gulfport, FL
(Zone 9b)
February 23, 2008
11:50 AM Post #4577268
| Here's a scenario for you... After bidding for and winning, approx. $90.00 in plants, and after corresponding with the customer, I shipped plants to her in October.
In March, I receive a "charge back" notice from PayPal. The customer claimed someone used her charge card without her permission. So, 90.00 of my Paypal account was put on hold pending investigation. I presented all the billing I had AND the correspondence I had between that customer and myself. I had shipping confirmation records - the whole shebang. To make it short - she got the refund. Despite proof of correspondence, proof of shipping, documented and dated paperwork - she got the refund and Paypal docked me the 90.00.
What happened to the insured purchase program from the charge card company? Despite the illegitimacy of the claim to begin with???
Blew my mind...
She did this to other sellers as well.
I too will offer both methods of payment and will set to opening an account with Google.
|
HaroldS
Glendale, AZ
February 23, 2008
01:58 PM Post #4577803
| So are you saying Google does not get involved with he said/she said between buyer and seller? That they just act as a money transer agent? So that they can transfer money INTO your bank account, but cannot transfer any OUT? That sounds wonderful and the fee seems reasonable. I would still open a separate bank account tho.
I too am seeing more and more eBay sellers NOT using PayPal. However, they are going to money orders which they are holding until cleared same as a personal check. Not sure of their reasoning there. For some that adds the cost of a MO as well as 41 cents (soon 42 cents) to mail. No way will I stand in line at my PO to buy a Postal Money Order, so if that's required I simply don't bid. This Google checkout sounds great.
|
Marylyn_TX
Houston, TX
(Zone 9a)
February 23, 2008
11:53 PM Post #4580102
| HaroldS, a money order takes the same amount of time to clear a bank as a check. And if it turns out to be fraudulent (which is happening more and more often, sadly), the bank takes the money out of your checking account plus a fine and lets you deal with your customer - assuming you can find them and that they will cooperate. With a postal money order, the seller gets the case right away and if the money order turns out to be fraudulent, the post office (aka the federal government) tracks down the culprit. I know it's a pain to stand in line at the post office, but that way we can send the package immediately (at the same time as we cash the postal money order), and you get your merchandise faster.
I think the Google checkout sounds awesome, too. :-) |
HaroldS
Glendale, AZ
February 24, 2008
01:48 AM Post #4580600
| Thanks Marylyn - I just won't bid if the auction requires a postal money order. The things I buy were made in the thousands so there will always be another listed later or even others listed at the same time. There is not actually anything that will kill me if I don't get it.
I know a bank money order needs to clear just like a check. I just don't understand their insistence for a money order over a personal check if they are going to hold shipment until it clears. I have no quarrel with anyone waiting to ship until my payment clears. There seem to be more sellers lately requiring a money order if they no longer accept PayPal . With my bank account I don't pay for money orders, but I do have to drive there to get one. I'm about ready to not bid on those items requiring a money order either. |
podster
Deep East Texas, TX
(Zone 8a)
February 24, 2008
09:12 AM Post #4581084
| What I don't understand is why it takes so long for a check or money order to "clear my bank". I monitor my bank accounts and know how quickly it clears. In two days receipt of a check or a paypal transfer, the payment has cleared my account. I suspect the delay is for someone elses benefit.
HaroldS ~ I must admit there are advantages to small town living. I was in awe of a line at your post office... lol
Personal service at ours is great. They know all by name and even assist filling out our money orders, addressing envelopes or taping up packages for customers. If there are a few folks in line, we chat with our neighbors while we patiently wait. Almost forgot what it was like in a big city... sorry. |
andidandi
Arlington, VA
February 24, 2008
01:58 PM Post #4582199
| I haven't read this entire thread, but I just wanted to point out, in case the point hasn't been raised, that PP will not cover buyers for plants. I had a seller send me dead plants and filed a claim, and the system immediately told me that plants don't count.
Perhaps you should consider this in terms of buyer confidence. Now I only buy from sellers I know. This would be problem for me in a new environment with sellers that I don't know. |
HaroldS
Glendale, AZ
February 24, 2008
02:08 PM Post #4582235
| Oh yes Podster. The Glendale and Peoria post offices I use depending on which direction I am going, always have long lines. The Glendale post office is also designated as a passport office so is always quite busy since the new rules on needing a passport for Mexico. Unfortunately, that is my "home" post office where I have to go if I miss the carrier and need to sign for and pick up a package.
I sometimes use the Youngtown post office, if I am going to Sun City or to the Ace Hardware in Youngtown. It is a bit further, but I love that hardware store. Just like back home with people who know where stuff is and a "shop" in the back staffed by retired "handymen" who can do anything (unlike me) including sharpening blades. They also have a small nursery in the back run by a talented older lady. They don't have exotic or very unusual plants but just very nicely grown plants for this area from nearby Mountain States Nursery. The Youngtown post office has a small town feel, with seldom a line and "older" clerks that are very friendly. I wish it was closer. Harold |
threegardeners
North Augusta, ON
(Zone 5a)
February 24, 2008
03:07 PM Post #4582452
| I checked out google checkout, they require a credit card which leaves me out. At least with pay pal I don't have to have a cc. |
Calif_Sue
San Jose, CA
(Zone 9b)
February 24, 2008
03:20 PM Post #4582486
| Credit card also includes a debit card with a Visa or MC logo, which is tied to your checking account. If you have a checking account, you can get a debit card. It's all I use now. |
threegardeners
North Augusta, ON
(Zone 5a)
February 24, 2008
04:34 PM Post #4582779
| (sigh)...not with my Credit Union account. |
Calif_Sue
San Jose, CA
(Zone 9b)
February 24, 2008
04:44 PM Post #4582825
| Well poo on them! They need to get with the times! |
glendalekid
Tuscaloosa, AL
(Zone 7b)
February 24, 2008
09:04 PM Post #4583898
| Here's is another angle for sellers to consider about PayPal.
I had a buyer use PayPal and it came through as an instant payment. All PP instant payments are CC charges; right? Wrong! I shipped the order the next day after PP payment was made. Five days later I get a notice from PP that the buyer's bank has denied the charge, and PP is now holdng my money. What?? I call PP. That's when I found out that if a buyer has a checking account and a back-up funding source (credit card), the e-check will go through PP as an instant payment. Well, she paid on a closed bank account, and the CC was no good either.
I said to PP -- what about my seller protection? (which btw seller protection on PP only covers fraud, nothing else, and if you can't prove that, too bad) Well, using a closed account is fraud, so where's my money? PP now tells me that I have to show proof of actual delivery to the customer before they will pay up. I do use Delivery Confirmation, which is supposed to be enough. But PP says that giving me back my $$ is depending on some poor USPS employee to scan the DCN at delivery. If it doesn't scan or the mail carrier goofs, no $$ back to me.
The delivery was confirmed the other day, so I'll be calling PP in the morning. Maybe I'll get my $$ back. I suspect, though, that if the amount had been more than $8.11 PayPal would have come up with some reason not to pay off.
An e-check should HAVE to clear first.
Karen
|
podster
Deep East Texas, TX
(Zone 8a)
February 24, 2008
09:17 PM Post #4583966
| E checks do have to clear first but this is not the first glitch. I pay be e checks via paypal and have had sellers ship right away. Only difference is mine have been good. So sorry ~ I hope you get it straightened out to your satisfaction. |
HaroldS
Glendale, AZ
February 24, 2008
11:19 PM Post #4584509
| "but this is not the first glitch." Glitch? Did I hear Glitch? That is Paypal's favorite word. Strange all their Glitches seem to favor them - never the customer. They must hire the dumbest or maybe the smartest computer people who create so many glitches. I wonder if they get bonuses for the number of glitches they create?
Can you tell me exactly how an e check works with PayPal? I have only used a credit card to buy and it is now "sending limit used." They keep pestering me to "verify" and all will be well. |
glendalekid
Tuscaloosa, AL
(Zone 7b)
February 24, 2008
11:58 PM Post #4584678
| podster,
Yep, e-checks do have to clear, but they will clear automatically and immediately, rather than in 5 days, if there is a credit card also on file -- so says PayPal. In this particular scenario, the e-mail from PayPal doesn't show it is an e-check. The PayPal e-mail only shows that it is an e-check if it is pending. I always ship right away if it's an instant payment, which is what this amounted to until the bank said "account closed." Since it is only $8.11, I expect PP will give me my money. If it was $108.11, I'm not so sure they wouldn't invent a reason not to pay. With PP the DCN is supposed to be proof of mailing -- but in this case, they decided that was not good enough, that I had to also show proof that it was delivered.
Harold,
If you have a bank account added to your PayPal account you can choose to pay for your item with an e-check. When you go to pay, if you have only a CC, PayPal will only show that funding source as available. If you have only a bank account, same thing. If you have both a CC and a bank account, there is a drop-down for the funding source, and you can choose which one you want to use. In the case of having both in PayPal, the bank account is the default one and you need to use the drop-down to change it to the CC if that's you want to use.
I wasn't aware that PP still had the limit on CCs. I must not have reached it yet. I have two PP accounts and two eBay IDs. I use one for selling and one for buying. This is mainly because anyone who has your eBay ID can search and find what you have bought and/or what you have sold. So, I keep them separate just because I don't feel my buyers need to know what I buy. Not that it's all that interesting -- it's just none of their business.
Karen
|
podster
Deep East Texas, TX
(Zone 8a)
February 25, 2008
12:12 AM Post #4584726
| Sorry I used the word glitch Harold ~ let me change that to snafu ~ LOL
Echecks are just an electronic draft on my checking acct as Karen explained only I won't give them two credit cards! DH has one number on his acct and they won't accept the same cc number for mine so I refuse to share another. That is why my purchase shouldn't have been shipped immediately. I do still contend that all electronic funds transfers whiz thru the system quickly and PP shouldn't delay as long as they do. |
glendalekid
Tuscaloosa, AL
(Zone 7b)
February 25, 2008
12:27 AM Post #4584795
| Podster,
I totally agree with that -- there is no reason why an e-check should take 5 days! Somebody's making some money holding those payments, and I don't think it's the banks. There is another site that I purchase from regularly (not a garden or auction site). They have instant e-checks. I see no reason why PP doesn't have their e-checks set up as instant, too.
Karen
|
stellapathic
Cambria, CA
(Zone 10a)
February 25, 2008
12:37 AM Post #4584824
| I specifically search for stores that accept PayPal. Love the instant, safe and easy factor. |
HaroldS
Glendale, AZ
February 25, 2008
01:15 AM Post #4584920
| Karen - the "sending limit" on credit cards is $2,000. After you've charged that much over any period of time they want you to verify by providing them with your bank account. Silly isn't it? But it boils down to PayPal has to pay merchant fees on those CC charges - which charges they have certainly built into the fees they charge sellers - but they would rather pull from your bank account and avoid the merchant CC fees. Of course they don't credit the seller's fees if they pull funds from a bank account do they? They charge the seller for a CC merchant fee, but drew the funds from a bank account. Nice gravy. That's why so many people complain that PayPal ignores a request to charge an item to their credit card and instead pull directly from the bank account. "Oh sorry! It must have been a glitch!" LOL
They can't do that if they don't have access to your bank account. Say you wanted the payment charged to your credit card because there were not sufficient funds in your bank account to cover this purchase. If they "glitched" bypassing your CC and went directly to your account, you would end up with multiple overdraft charges because of PayPal's continuously submitting the charge for payment. |
podster
Deep East Texas, TX
(Zone 8a)
February 25, 2008
09:24 AM Post #4585517
| DH got into that on his PP acct. Amazing how these problems didn't start till EB took them over.
We have a retail business and if you give me a debit card to draft your checking acct, I know it is good the instant I swipe it. They do too.
Anyhow, offer PP on this site for those that are still enamoured of it and options for those that ain't! Please??!? |
Marylyn_TX
Houston, TX
(Zone 9a)
February 25, 2008
10:26 AM Post #4585698
| There have been times for us when an echeck cleared our bank 2+ days before PayPal released the money to the seller. All of that interest adds up for them. |
1913cat
Robertsville, MO
(Zone 5b)
March 06, 2008
07:29 AM Post #4628828
| What happens with Paypal is when someone purchases an item and pays for it, it goes into the sellers payapal account. There is a limit of 500.00, after that the seller has the option through Paypal to transfer those funds in to whatever account they choose, so long as it is registered with Paypal. You can get a separate checking account or savings account just for Daves Garden sales,Ebay sales etc. So long as someone has a Paypal account they are ready to go, you can also use the funds in your Paypal account to make purchases. When you log-in to your Paypal account the first page is your account balances. For me Paypal is perfect, they verify checks for you, takes maybe 3-4 days for checks to appear in the account. On the sellers page with Ebay it lists the item the individual bought, how much, it will give a star if they paid, an hour glass if the transaction is pending which will go to star when it does clear, sometimes you have to log-in to accept the transaction first, gives you the chance to make sure the buyer is a verified buyer and how many successful transactions they have made. You can accept or deny the payment. It seems anymore that most buyers have a Paypal account and alot of other businesses as well accept Paypal. Your purchases are also secured as far as if you did not recieve the item, you can file a dispute to recieved your money back, which you cannot do if you just send a check or money order. |
bellieg
Virginia Beach, VA
March 06, 2008
09:06 AM Post #4628983
| I am a neophyte ebay seller 1.5 years and had learned a lot since. I like paypal because it is faster than E-check. I do not know how google works but I can learn. I was an ebay buyer for years and had one bad experience with a purchase where I sent him a certified check and was already cashed and verified by the bank but the seller insisted that he did not cash the check and refused to send me my nurse Lladro. I had to go to dispute and after few weeks got my merchandise after I sent him a copy of the check that he cashed. He had a nerve to give me a negative feedback!!! I am now very careful in all my ebay purchases!!! I am very excited with this!!! Bellieg |
Gardengirl1204
Richmond, VA
(Zone 7a)
March 06, 2008
01:37 PM Post #4629898
| I vote for PayPal. As a seller, I don't want to hassle with taking a check or m/o to the bank so that's all I will accept - either as a e-check ot an instant pymt. I also like PP becuase I can pay for my shipping and print labels right thru them. And the fee just comes out of my PP balance.
As a buyer, I will only buy from those that use PayPal just becuase of the convenience. I want to pay for my item right then and not worry about mailing out something.
Just my opinion. |
sibhskylvr
(Mike) Batesville, AR
(Zone 7a)
March 06, 2008
02:36 PM Post #4630073
| I don't use Pay Pal & only purchase from sellers who accept a money order, cashiers check, or personal check. Just think of the money (as a seller) that you're missing out on by NOT accepting a money order, cashiers check, or personal check. And think of the repeat customers you may have as a result of accepting these forms of payment. Just my 2 cents! :)
Mike |
dmj1218
west Houston, TX
(Zone 9a)
March 06, 2008
02:54 PM Post #4630136
| The $50.00 charge the bank charges for the ever-increasing numbers of stolen and fraudulent money orders, and also bounced checks, convinced me that PayPal, Mastercard, and Visa was a better option. |
HaroldS
Glendale, AZ
March 06, 2008
04:40 PM Post #4630491
| First thing I look at in an auction is if the seller takes ONLY PayPal. If so, it is adios and on to another auction. I sometimes will watch one of those auctions and notice they seldom bring the same results as a seller who offers the same item but several options for payment. It is safe to say, sellers who limit their auction payments to PayPal only are not reaching the real potential for their item.
There is nothing I need that badly to allow myself be "verified" by PayPal in order to buy. Actually, I am seeing more NO PAYPAL auctions lately than ever before. |
Ncasselberryfla
Geneva, FL
(Zone 9b)
March 09, 2008
10:40 AM Post #4641630
| So, what's the status fo the auction site for Dave's?
All I have seen are zillions of ideas about payments and nothing more. Have I missed something?
I hope this comes to be---EBay needs some compeition, |
ecrane3
Dublin, CA
(Zone 9a)
March 09, 2008
10:43 AM Post #4641639
| Dave's working on it...I imagine there's a lot of things he needs to program and get set up before it can go live. If you want to play around, in this thread http://davesgarden.com/community/forums/t/813438/ he has a link to a test site where you can play around with a few things. |
andidandi
Arlington, VA
March 09, 2008
11:30 AM Post #4641824
| I haven't had time to read this entire thread, but have you considered the fact that PP will simply not allow you to use this method in listings on a competing auction site? What happens then? |
halo
Citra, FL
March 09, 2008
11:47 AM Post #4641901
| Im not sure exactly what you mean. I use several other auction sites and pay with paypal on all of them. |
andidandi
Arlington, VA
March 09, 2008
01:15 PM Post #4642288
| I meant that if it were a success, they would have an incentive not to allow the use of their name and system for a competing product. If it's small, it's not an issue, but I was just pointing out that putting the eggs in that one basket could a problem in the long term. |
ecrane3
Dublin, CA
(Zone 9a)
March 09, 2008
04:01 PM Post #4642951
| Since the DG auction is going to be a more specialized one for mostly plant/garden things, I don't think Ebay's going to worry about whether Paypal is an allowed payment method or not. They don't seem too worried about the other smaller more specialized auction sites that are out there so I don't see why this one would be any different. After all, Paypal makes money every time someone uses it regardless of what site it's being used on, so I can't imagine them cutting off potential sources of revenue. There are other payment processing services out there, so an auction site wouldn't have to close down if they couldn't use Paypal, they'd just switch to someone else so there's really nothing in it for Ebay/Paypal to limit where Paypal can be used. |
gessiegail
Taft, TX
(Zone 9a)
March 09, 2008
04:48 PM Post #4643126
| I only placed on classified ad in DG which was a great experience. They all offered to pay by paypal and I said , 'whatever is convenient for you'. From now on, I would only accept paypal just because I found checks all over the house for a month. Some of us don't like bookwork.
Paypal may be owned by ebay??????? But I use it to pay for most anything. A friend bought me some strep leaves on ebay and I immediately sent her her money by paypal that night. |
glendalekid
Tuscaloosa, AL
(Zone 7b)
March 09, 2008
09:42 PM Post #4644234
| Actually, you can send money to anybody via PayPal whether it involves a purchase or not. My daughter used it as a quick way to send money to her son in CA.
Karen
|
andidandi
Arlington, VA
March 09, 2008
10:22 PM Post #4644387
| I wasn't suggesting not taking it at all, just that other options be available too. I have also used it to pay for auctions on that other gardening auction site, (don't recall the name offhand, and they have non-gardening auctions too) without a problem.
The main problem I've found with them is that they don't cover plants. So if you win an auction, and get dead plants or a box of rocks, their response is that they don't care. You can't even file the claim because when it asks you what the nature of the item is, it will default to a message that plants are not buyer protected. |
gessiegail
Taft, TX
(Zone 9a)
March 09, 2008
11:20 PM Post #4644625
| I did not know that, andidandi. That is 'kinda' scary. |
ecrane3
Dublin, CA
(Zone 9a)
March 09, 2008
11:25 PM Post #4644645
| It wouldn't surprise me if the other payment services besides Paypal choose not to cover plants either, it strikes me as a risky proposition for them since there are so many things that can go wrong with a living thing like a plant. That's why having a good feedback system is important to weed out the sellers who are sending dead plants and not replacing them. |
andidandi
Arlington, VA
March 10, 2008
12:16 AM Post #4644806
| I'm sure it is risky and it may also be the case with the other payment plans.
The problem with the big site is that the risk of retaliation leaves people unable to leave a negative. When this happened to me, I went back and counted some of the people that had not left the seller feedback. It was obvious what was going on. He was selling dead plants and collecting cash for it with no recourse for the buyers.
I was just pointing it out as a consideration. You don't want to attract scammers or have people develop a negative viewpoint of your site when a single transaction goes bad and they can't get a refund. I wasn't trying to be negative, I was just trying to suggest some issues that should be considered.
|
gessiegail
Taft, TX
(Zone 9a)
March 10, 2008
12:40 AM Post #4644844
| I think that is why Dave is working so hard on a good solid feedback system before we get started. The scammers will be known pretty quickly on a site like this... |
Azalea
Jonesboro, GA
(Zone 7b)
March 11, 2008
04:02 PM Post #4651317
| I just revised the item I had as a try out here on G. It now offers a place where you can add your choice of payments, so I just added, MO or Cashier's checks. I do think you should offer a choice.
My son just ordered 3 plants from a company that took MO's and checks because that was the only one he could find that did not insist on PayPal which he did not have. He paid an outrageous price beause he had no choice and they would only sell 3 as a minimum. He ordered Sanginea Brugmansias which won't do well in our zone. He didn't ask me !! |
glendalekid
Tuscaloosa, AL
(Zone 7b)
March 11, 2008
07:41 PM Post #4652004
| I agree that buyers need a choice beyond PayPal. Not everyone has a credit card. On eBay, I take PayPal but also take MOs and personal checks. In several hundred transactions other than PayPal, I've not had a MO bounce, and only had one personal check bounce. I don't hold either for clearance before shipping. The bounced-check person did send me a MO as payment. I would imagine that bad checks and MOs would not be much of a problem with plants and other types of things like that. I do suspect it might be a different scenario if you were selling things like auto parts, jewelry or electronics.
One thing that needs to be done, and I haven't seen it mentioned is a place to put a note. When I am notified that a buyer is sending a MO or check, I make a note so I don't have to remember why it's not being paid for sooner. Just helps a whole lot to have that feature. I also use the note space myself as a buyer, so it would be useful in that context as well.
Karen |
ecrane3
Dublin, CA
(Zone 9a)
March 11, 2008
08:59 PM Post #4652335
| So Paypal won't let you in without a credit card? I always thought they were more interested in having it linked to your bank account. People were saying that if you only have a cc on file and not a bank account they limit how much you can charge. And I've got both CC# and bank account listed, but I know it always defaults to wanting to take it out of my bank account and I have to manually switch it to my credit card. |
gessiegail
Taft, TX
(Zone 9a)
March 11, 2008
09:57 PM Post #4652792
| I have never known HOW to manually switch it to my credit card. It just automatically comes out of my bank account each time I use it. |
andidandi
Arlington, VA
March 11, 2008
11:14 PM Post #4653112
| I think that you can delete the one that you don't want at that point. |
glendalekid
Tuscaloosa, AL
(Zone 7b)
March 11, 2008
11:30 PM Post #4653191
| ecrane3,
The credit card amount that you could use before you had to add a bank account used to be very small, maybe $200 or $250. Then it was changed to a much higher amount, something like $2000. It may be even higher now.
gessiegail,
When you go to pay and it shows they are going to take the money from your bank account, this is actually a little "drop-down box" where you can change it to the CC if you want to. You have to manually change it every time, though.
Karen
|
ecrane3
Dublin, CA
(Zone 9a)
March 11, 2008
11:36 PM Post #4653230
| My real question was whether you had to have a CC# on file with them, or if just a bank account was enough. You mentioned somewhere above that not everyone has a CC so they can't use Paypal, and I wasn't sure if that was really the case or not since Paypal seems to prefer to take money from bank accounts, so I figured you might be able to use PP with just a bank account. |
HaroldS
Glendale, AZ
March 12, 2008
12:07 AM Post #4653338
|
| Quoted: | | Then it was changed to a much higher amount, something like $2000. It may be even higher now. |
It is still $2,000 - at least that is the amount of "sending" limit I have. |
glendalekid
Tuscaloosa, AL
(Zone 7b)
March 12, 2008
12:09 AM Post #4653345
| ecrane3,
Sorry. You are correct. I worded that badly. I was really trying to say that I believe a buyer should have a choice in addition to PayPal. You can have a just a bank account on PayPal.
Karen
|
glendalekid
Tuscaloosa, AL
(Zone 7b)
March 12, 2008
12:11 AM Post #4653352
| Hi Harold,
So, it is still $2000. That's good to know. I guess my little purchases haven't added up to that much yet.
Karen
|
lavender4ever
(Louise) Leesburg, FL
(Zone 9b)
March 12, 2008
12:22 AM Post #4653399
| In do not think that paypal does enough to protect the seller either. My inlaws sell on ebay alot and one of their items is a professionally made cd of their business. They sold one to a guy and he stopped payment with paypal and said it was poor quality. He never even contacted them. It took two months of contacting paypal and complaining and he finally sent the cd's back and they had no money and they suspect the guy ripped a copy because the cd was fine. Paypal ruled in his favor even though my inlaws have hundreds of positive feedback and no negatives. |
HaroldS
Glendale, AZ
March 12, 2008
12:34 AM Post #4653435
| Karen - if you log in to PayPal, it should show you how far you are from reaching your sending limit. Or maybe they only show that when you are getting close to your limit (like me.) LOL
Another point we should be aware of with PayPal is that if there is a dispute with a seller on Dave's auction (or any other site or seller not eBay) is that your recovery will be limited only to the funds they can recover from that seller's account. In other words, if a seller you have a dispute with keeps his seller's account with PayPal cleaned out (as most people recommend to do) PayPal will not help you get your money back from that seller. They only will guarantee a resolution if the item was purchased via eBay. So don't be fooled by their resolution policy, which is very iffy outside of eBay.
|
Azalea
Jonesboro, GA
(Zone 7b)
March 12, 2008
12:41 AM Post #4653461
| Not sure, but I think if you don't have both a CC and Bank acct listed, you have a "Pending" payment. It will not clear for 3-4 business days.
I hate these because some people don't understand why their things are not shipped right away, as if it were an instant payment. Ebay tells the buyers not to ship until the payment has cleared, sometimes they don't clear, perhaps there is not enough cash in the bank acct for the payment. |
threegardeners
North Augusta, ON
(Zone 5a)
March 12, 2008
06:35 AM Post #4653733
| I don't have a credit card listed with paypal. I was verified with 2 small bank account deposits(which I had to report to them in the proper order and exact amount, something like 72 cents) and a phone call. The phone call was freaky, they gave me a verification number and within 30 seconds the phone rang and I had to tell them the number, I wasn't expecting it that fast!!
edited to say it clears the bank as fast as using a debit card, almost instantly.
This message was edited Mar 12, 2008 12:45 PM |
andidandi
Arlington, VA
March 12, 2008
10:19 AM Post #4654186
| The point that HaroldS makes is a good and important one. I got burned when one of the highest ranked sellers went under. He kept taking orders for a few weeks even though he was out of cash and not shipping. The customers from his last month or so of orders did not get refunds because his account was emptied. There was media coverage of it. |
irisloverdee
Lebanon, OR
March 12, 2008
10:23 AM Post #4654201
| I, myself prefer checks...but do except Paypal.
I, prefer to PAY by check or money order.
But a chose would be nice.
D |
glendalekid
Tuscaloosa, AL
(Zone 7b)
March 12, 2008
12:42 PM Post #4654693
| azalea,
Yes, on PP if you have only a bank account listed, your payment will not clear for 5 days. It comes through as a pending e-check. Except for one that cleared in 3 days, I have always had them clear on the 5th day. PP says 4-6 days. Several months ago there was a glitch in the system, and it was not showing the pending e-checks had cleared. It was also showing some instant payments as pending. I now double check on the system, not trusting it to be accurate.
lavender,
PP only protects the seller from fraud -- nothing else - and that's nearly impossible to collect on.. That's one of the big gripes on eBay from sellers. PP will refund money to the buyer for any excuse at all and not even require the buyer to return the merchandise.
I did recently have a fraud case with PP. Buyer paid with a bank account and had a back-up CC so the payment went through as an instant payment. I shipped her order the next day. Five days later her bank notified PP that the account was closed. The CC was also no good. So PP took the money out of my account.
Even though writing a check on a closed account is a Federal fraud offense, PP would not even talk about giving me back my $$ under the seller protection until I could prove via the DCN that the package had been delivered. After that, still they wouldn't give me back my $$ -- just kept trying to get it from the buyer, who ignored them. I closed the two NPB cases on her I had open on eBay. The Non-Paying Bidder strikes got her attention, and she finally sent me a check.
Karen
|
Azalea
Jonesboro, GA
(Zone 7b)
March 12, 2008
02:20 PM Post #4654989
| I now have a score of 1587 pos FB, but a couple of years ago, I got one neg from a NPB. I had 5 other sellers contact me about this gal - it seems she had left 50 undeserved negs for others ruining their perfect scores. She was claiming that she had got dead plants or that they were not received and was mad when they were not replaced. It seems she had a po box but did not pick them up for 12 days.
When the seller sends them Priority and had the delivery receipt, she had no leg to stand on, so she was finally banned with the 3 complaints from sellers. This is a rare occurence but you do need to be aware that there are a few folk's out there that will try to cheat. Most people are honest. I should get over it, but it still bugs me that I have a 99.9% score instead of 100% all because of one cheater. |
gone2seed
Milton, FL
(Zone 8a)
March 12, 2008
04:08 PM Post #4655359
| Azalea,I know exactly how you feel.I kept a perfect rating until one doofus left me a negative "by mistake".The comment was actually very positive but she claimed she hit the wrong button.Once it's done it's done. |
HaroldS
Glendale, AZ
March 12, 2008
06:12 PM Post #4655764
| My only negs are retaliation from sellers for giving them a well deserved neg. That is the fallacy of the mutual feedback system. If you dare give a deserved neg, you will most assuredly get an undeserved one right back.
eBay is now locking the seller out of negative feedback, leaving only the buyer able to post a negative. Which should make me happy. But which is just as silly and unproductive as before. The actual culprit is the retaliation negative. If someone can figure out how to handle them, then I will be in favor of this whole feedback thing. |
glendalekid
Tuscaloosa, AL
(Zone 7b)
March 12, 2008
06:42 PM Post #4655857
| I really don't like feedback, either as a buyer or as a seller. The question arose on another thread regarding buyers feeling "blackmailed", which I agree with. But on the other hand, seller's also feel the same way, and for good reason as well.
Harold, you are correct in that no matter whether you are a seller or a buyer, there is a problem with relaliatory action by one party or the other. eBay's new system is not going to solve it either, as you noted.
I wish I had a good solution, but I don't.
Karen
|
gessiegail
Taft, TX
(Zone 9a)
March 12, 2008
07:01 PM Post #4655902
| People, you are taking this waaay too seriously. I have a negative -2 rating on ebay and never went back. This happened several years ago before I got a pay pal account. I didn't even know what one was back then. I tried to use my credit card when I won the bids and I was told "no"! So, I said 'just don't ship' and they didn't but they kept me off of ebay for the last three years (which is good for me as I would have spent a fortune).
This is just to say that there are reasons why people have too many good remarks when they don't necessarily deserve them and too many bad remarks when people like me didn't even know what I was doing. (I didn't find out until this year that is totally unacceptable to say, 'dont ship it if you won't take a credit card'...I am not this scammer and criminal...
People put way too much stock in all this feedback on ebay. Dave will come up with something acceptable but life isn't perfect and neither are people...both buyers and sellers. If the worst thing that happened to me was that someone made me sell it to other people, ( or I even lost some money) I would get down on my knees and be extremely grateful |
andidandi
Arlington, VA
March 12, 2008
07:22 PM Post #4655977
| I have to say I agree that a feedback system is pointless for a smaller site, and in this category of products. Get a payment system that's less vulnerable to gaming and fraud, and forget about feedback.
This message was edited Mar 14, 2008 7:10 PM |
acornsprings
Kilgore, TX
March 13, 2008
10:20 PM Post #4660921
| i have also had to cut paypal out of our system. there "anal" need to attach my paypal account to my company bank account was to much. i can not afford to allow anyone access to that account.. can you??? i prefer to run cards from here.. it cost less and i am in control not the e-bay tecks now running e-bay.
ty |
glendalekid
Tuscaloosa, AL
(Zone 7b)
March 13, 2008
10:34 PM Post #4661066
| Ty,
I have two eBay IDs. One I use for selling, and one I use for the stuff I buy. My seller's ID and that PP account has a bank account on it, but it's not my "real" bank account. I use it only for eBay and PP. My buyer ID has only a CC on it. I, too, would not allow access to my bank account that I use for everyday banking.
Karen
|
acornsprings
Kilgore, TX
March 14, 2008
11:37 AM Post #4662878
| The paypal account was attached to an old bank account that had closed and they realized it (after 2 yrs) and froze my paypal account until i updated bank info and after over 3000 transaction over 8 years i took it as an insult. American Express does not ask for bank account access? So I told them to keep my 18 bucks and moved on. I can say I never really had a problem with the paypal system. The 1.5% rebate you get when you spend your paypal money via the Paypal mastercard made handling the money CHEAP. Looks like i am going to go open a free-be checking account so i can get my Paypal account back up.. I am looking forward to launching auctions again. it has been 6 months!!!
Thanks Dave
ty |
glendalekid
Tuscaloosa, AL
(Zone 7b)
March 14, 2008
11:43 AM Post #4662904
| Dave,
My bank opened the one I use on PP over the phone. I told the fellow what I wanted and why. He was not surprised at all, so I think it's something that a lot of people have done. They don't charge me anything for the account and since it is with the same bank as the other one I can transfer money on line. I don't have any checks for the PP account, but I don't need them either.
Karen
|
HaroldS
Glendale, AZ
March 14, 2008
05:15 PM Post #4664290
| Yeah - I just broke down and got "verified". Washington Mutual has free checking requiring $1 on deposit. The fellow who opened my account didn't miss a beat as he too has a separate bank account himself for PayPal. I think the bank hopes you might use other banking services some time. (They have 4% guaranteed for 8 months at the moment, which is tempting.)
B U T - you gotta be careful paying with your credit card. You have to first click on other payment options because the default payment is your bank account. Then look for your credit card they have on file and click that. Then you have to jump thru hoops again as the nex window asks you if you're sure you want to change the payment option from your bank account. Be sure to click on CHANGE. The other option is DON'T CHANGE, which will draw your payment immediately from the bank account. Some people might think "don't change" means don't change the credit card option they have already designated. Sneaky, sneaky. They sure do NOT want you to use a credit card for payment. Costs them money. Which they already have factored into the seller's fees, but if they don't have to pay it, that is pure gravy for them. |
glendalekid
Tuscaloosa, AL
(Zone 7b)
March 14, 2008
06:45 PM Post #4664611
| HaroldS,
Yep, there is a way around them as you've found out. They do try to sandbag you so they don't have to pay the CC fee. But we're smarter that; aren't we?
Have a good evening,
Karen
|
Azalea
Jonesboro, GA
(Zone 7b)
March 14, 2008
06:48 PM Post #4664621
| I have been using PayPal for several years, never a problem. I am both a seller and a buyer. I do have a separate bank account for Ebay/PayPal. When I have a sale, the payment goes directly into PayPal, when I collect a certain amount eg $100., I have it withdrawn and put into my bank account - that's a free withdrawal. If by chance I might over draw buying on my PayPal acct, they will automatically withdraw the extra from the bank account. It works great.
There is an option to have a check sent to you, but this takes time and it costs $1.00 - I don't see any reason to do this. There are options as to what type of PayPal account you have, Premium is for sellers. I don't remember the other one, but I think it does not have the same advantages. |
Debsroots
Northwest, MO
(Zone 5a)
March 15, 2008
08:11 PM Post #4668694
| This may have already been asked...if so, I'm sorry
Will there be an option for sellers to combine shipping when a buyer purchases several different items, but wants them all shipped together...ofcourse within a reasonable amount of time. |
makshi
Noblesville, IN
(Zone 5a)
March 17, 2008
09:41 AM Post #4674038
| I like paypal and haven't had any problem with them. |
digigirl
Sugar Land, TX
(Zone 9a)
March 17, 2008
11:49 AM Post #4674525
| I didn't read this entire thread (it's quite long), so maybe somebody has already said this. If so, sorry for the duplication!
But let me chime in as an anti-PayPal person. I've been bitten - hard - by PayPal, to the tune of about $2000 that they have had frozen for the last 4 years. Long story short, PayPal is not an option for everyone, sometimes by their own choice, sometimes by PayPal's.
Be sure to offer other options for those of us who cannot or will not use PayPal. There are other pay by email companies out there, or please allow checks / money orders or just straight credit card processing.
You don't want to limit your sales by only doing PayPal. |
makshi
Noblesville, IN
(Zone 5a)
March 17, 2008
12:57 PM Post #4674797
| Yes, I do think we need to be flexable. I try to work with people for the method of payment. |
buggycrazy
Lebanon, OR
(Zone 7b)
April 23, 2008
12:24 PM Post #4852418
| THERE IS NOW GOOGLE CHECKOUT, SOMEWHAT LIKE PAYPAL |
beebonnet
Coos Bay, OR
(Zone 9a)
April 23, 2008
03:08 PM Post #4853085
| I have been watching these threads with great interest. I have been a seller on eBay for 10 going on 11 years now. I don't sell nearly as much as I used to and now just kind of poke along at it. I have come through all the eBay changes, the beginning of Paypal, the ups the downs, and the forever hikes in fees. You know---I really miss the old days when it was all so much simpler. Back then we only took checks and MO's. (Before Paypal) I was sent hundreds of checks in the mail and never, never had one bounce. Of course, I sold the kinds of things only honest people want. I would think garden related items would fall into this category as well. How many scammers would be interested in our auctions for garden things here on DG?? So, I say KIS. Paypal takes more and more from your sale. When you sell something of small value---say less than $10.00---it becomes hardly worth the trouble. Don't forget that they take their cut out of the total---which means the shipping price also. I believe the people here on DG would almost always use checks or MO's or cashiers checks for purchases. From a sellers standpoint, that's quite a lot more money in the pocket. From the buyers standpoint, you don't have to give out your bank info, go through the process of getting a Paypal account, learning how to do it... You just buy, send the check or MO to the address provided through something like DG mail, and wait until your item has arrived. All the while the buyer and the seller can be talking through the special auction email system. Okay---I'm done
|
ecrane3
Dublin, CA
(Zone 9a)
April 23, 2008
03:30 PM Post #4853163
| I would tend to disagree with the part that "people here on DG would almost always use checks or MO's..." I suspect there are a good number of people like myself who don't want to deal with the hassle of writing checks and mailing things only to have the post office lose them, and would rather go for the instant approach of Paypal or other online payment processing service. I would be highly unlikely to buy something if I had to mail in a check for it. Unless it was a one of a kind, absolutely would die if I didn't have it sort of thing I would only buy it if I could pay for it electronically. And if I decide to sell things I would have a very strong preference for people to pay me electronically as well. I'm sure there are other people who prefer the checks/money orders etc, that's why we need to have multiple options so everyone has something they're comfortable with. So I agree with you that the checks, MO's, etc ought to be something that people have the option to use, but I wouldn't want to see it limited to that. |
cedarnest
Northeast, NE
(Zone 5a)
April 23, 2008
03:42 PM Post #4853227
| Noticed someone on Ebay has my user name here..lol.. so unless I get my username changed to something new I won't be a seller here..but I will definitely be a buyer...*accepts Paypal* is what I always am always looking for..fast..no checks/mo's lost in mail..I get my items quicker because the seller doesn't need too wait for check to clear... I have nothing against any sellers not wanting to accept Paypal or other online payments...just personally thats what I as a buyer prefer to use... |
HaroldS
Glendale, AZ
April 23, 2008
04:05 PM Post #4853337
| Yes, paypal for payments. With postage going up again next month, mailing a check will cost more, not to mention the additional cost if the seller requires money order or some other form of third party payment. I think all buyers know there is a cost to the seller for using paypal, and would not object to that cost being included somewhere in the starting cost. Just keep it out of the "handling" cost since I understand Dave will not tolerate inflated shipping/handling costs. |
gessiegail
Taft, TX
(Zone 9a)
April 23, 2008
10:14 PM Post #4854835
| I only buy if I can use a credit card or Paypal. I wouldn't even get my bills paid if I had to write checks. Most people pay all their bills online now (I think).
When I owned a retail store for 10 years I never got a bad check either, but check days are pretty much over (for good or bad). |
HaroldS
Glendale, AZ
April 24, 2008
12:45 AM Post #4855643
| Another thing about writing checks today is that under new banking laws last year the banks no longer have to return paid canceled checks. The few checks we do write, we have to go online to our bank account and print the front and back of the paid check if it is something we want to keep a record of as proof of payment - such as HOA assessment payment, IRS quarterly estimate payments, etc. . PITA. Yet another government "improvement" which adds to my daily chant - "I'm glad I'm old." |
gessiegail
Taft, TX
(Zone 9a)
April 24, 2008
11:27 AM Post #4857230
| Not getting your checks by is such a headache for me. I was spoiled in just sending my year's checks in a paper bag to the accountant and now he gets so mad at me because I don't keep good records. |
HaroldS
Glendale, AZ
April 24, 2008
12:16 PM Post #4857528
| gessie - I feel your pain. We now charge everything we can to our one credit card. It gives us a ticket, and the statement shows the payment. We get points for each purchase and we pay it off in full every month. No sweat going thru all statements at tax time. Our utilities are on sure pay. Our HOA wants us to put them on sure pay too, but I won't give those "volunteer" incompetents access to my bank account. I wish Internal Revenue would take credit cards! Lots of points. LOL. |
DonnaA2Z
Jacksonville, FL
(Zone 9a)
April 24, 2008
12:42 PM Post #4857703
| I am not fond of PayPal. I for one know of accounts that have been hacked and on top of that tons of information stolen. For those reasons, I don't and won't use PayPal.
From the merchants side, my husband set up an online business not too long ago. They charge for being able to hook up to them... and they charge per transaction. I'm not sure if DG would be willing to put up the money to hook up to them. It's not EBay, it's a totally different arrangement when you don't belong to them.
There are several other alternatives to PayPal if you search google that should probably be explored.
Just my $.03 worth.
Donna |
gessiegail
Taft, TX
(Zone 9a)
April 24, 2008
12:48 PM Post #4857732
| For those of us who are happy with Paypal I don't want another way to pay, but if vendors want to honor another way, I surely don't care as long as they take my pay pal or credit card. |
ecrane3
Dublin, CA
(Zone 9a)
April 24, 2008
03:27 PM Post #4858494
| I don't care if it's Paypal or some other electronic payment processing service. I just won't write (or accept) checks so there has to be some electronic option available for payment. If Dave decides he'd rather have Google checkout or something else instead of Paypal I don't mind signing up with someone new. |
threegardeners
North Augusta, ON
(Zone 5a)
April 24, 2008
04:14 PM Post #4858726
| Unfortunately, Google Checkout requires a credit card, there is no option to use a bank account and up here Debit cards do not have Visa, etc. on them... |
Azalea
Jonesboro, GA
(Zone 7b)
May 08, 2008
12:31 AM Post #4922532
| I cannot figure out how to send a combined invoice! There must be a way, but I need a little guidence.
|
ecrane3
Dublin, CA
(Zone 9a)
May 08, 2008
12:36 AM Post #4922542
| I don't think Dave has that working yet |
Azalea
Jonesboro, GA
(Zone 7b)
May 08, 2008
12:49 AM Post #4922574
| Maybe not - I gave up and just sent a total for 2 items to be paid. Thanks. |
ecrane3
Dublin, CA
(Zone 9a)
May 08, 2008
10:20 AM Post #4923575
| I think his thought was that he'd rather get something up and running sooner rather than later, and then he'll continue to add features as time goes on. Combining invoices wasn't one of the things that was 100% necessary to get the marketplace going, so it didn't get done right off the bat but it'll be there eventually. |
Azalea
Jonesboro, GA
(Zone 7b)
May 08, 2008
11:00 AM Post #4923753
| You are all right, I was just surprised when I tried to do it - I will be patient.
Is there a place where all the sales/buys will be listed?? Is the Feedback thingy up yet??
This message was edited May 8, 2008 7:09 PM |
GreenThumbsTN
Chattanooga, TN
(Zone 7b)
May 09, 2008
04:59 PM Post #4929980
| i also had a multiple sale.
i copied the info from one sale into the window of the other and added up the total manually.
then i sent one Dmail with the grand total and the other with a zero amount total.
haven't received payment so don't know if that was clear to the buyer and worked.
|
Syrumani
San Antonio, TX
(Zone 8b)
May 09, 2008
06:11 PM Post #4930209
| I had a multiple sale, too. I included the postage on the first sale, then on the second put $0.00 for shipping. I sent a separate dmail with combined details. Transaction went VERY smooth.
As far as feedback, I don't think the Marketplace feedback is up yet. What I did instead was go to each of the member pages and left feedback there. |
starlight1153
Seale, AL
(Zone 8b)
May 11, 2008
12:07 AM Post #4935240
| So glad you folks all posted, cuz I have multiple sales too and was tryign to figure out what to do. Appreciate the advice! : )
|
Azalea
Jonesboro, GA
(Zone 7b)
May 11, 2008
12:13 AM Post #4935260
| Later tho when we go public, I wonder how many folk's will bother to find our member page to leave feedback. |
ecrane3
Dublin, CA
(Zone 9a)
May 11, 2008
12:34 AM Post #4935320
| I think Dave might have mentioned that there'll be a separate feedback system later. I'm not positive though. |
Syrumani
San Antonio, TX
(Zone 8b)
May 11, 2008
08:56 AM Post #4935891
| He has mentioned a feedback system later . . .
You don't need to go all the way thru to the member page to leave feedback. On the Item page, there is a link to view feedback for the seller. At the top of the feedback page there is a link to add your own. |
dave
Jacksonville, TX
(Zone 8a)
May 11, 2008
09:22 AM Post #4935977
| There will definitely be a built-in feedback system coming! |
